milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/29/2016 about Credit card () with U.S. BANCORP (PA).
Issue: Balance transfer

Complaint: I have XXXX balance transfers on my US Bank credit card - XXXX due XXXX XXXX, XXXX due XXXX XXXX and XXXX due XXXX XXXX. All at 0 % so there is no highest percentage to payoff first. However, the minimum due amount goes towards the XXXX XXXX balance and the rest goes to the XXXX XXXX balance with none going towards the XXXX XXXX. How is this fair. They are paying off the one that is due longer not what is due now. I want to payoff the XXXX XXXX balance but was told that if I do that only minimum payment goes towards that balance and the rest will go to the XXXX XXXX. I have to payoff the XXXX XXXX first to payoff the XXXX XXXX. This is not fair! I do not have the money for the entire amounts just the XXXX XXXX. So when I can not pay off the XXXX XXXX balance because of the way they are allocating my payments I will have to pay accrued interest on the balance due XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Credit Technologies, Inc. (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On  XXXX   XXXX ,    2016, Credit Technologies Inc placed  a hard inquiry on my  XXXX ,  XXXX , and   XXXX    credit  reports. I advised them that they did not have my written authorization to do so and I requested for them to remove it and it is still on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (VT).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I manually changed the monthly payment amount for my Capital One credit card to {$1200.00}. The next day Capital One charged me for the amount I changed my monthly payment to and then also charged me again for the entire balance on my credit card {$1500.00}. I called Capital One the next day as soon as I noticed that I had been charged twice. The payment was made on the XXXX of XXXX and I called them on the XXXX of XXXX. I also checked with my bank account with XXXX XXXX  from which the funds were supposed to be drawn from, and they had no information about the transaction, and so the funds had not been withdrawn from my bank account yet. I called and spoke with XXXX Bank wh told me that Capital one should be able to cancel the transaction since the transactions had not posted on their end.I had a three way call with Capital One and XXXX XXXX. When I spoke to Capital One they informed me that the transaction had been posted to my account on their end and they hadn't receive the funds yet. The transaction had posted to my account less than 24 hours after the due date, even through every other transaction takes 2-5 business days. Capital One told me that they could not reverse the charges and told me that the only option I had to reverse the double charge was to put a stop payment in with XXXX XXXX account. XXXX XXXX was not able to do this as it would take 2-3 business days to cancel the payment, which by then the payment would have gone through on their end. So Capital One was not able to offer me any solutions for dealing with a double charge. Their systems were flawed in that they allowed for two payments to be made on the same day without having raised any questions. Their inconsistent practices with the time that it takes to process transactions created an unfair situation where I did not have enough time to adequately deal with an accidental double charge to my account. The speed at which Capital One processed the transactions prevented me from having enough time to put a stop payment in pace with XXXX XXXX. Furthermore their inability to offer any feasible options for resolving the issue is predatory as it forced me to pay they funds which I did not have at the time, and then pay them more money for late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/29/2016 about Debt collection (Non-federal student loan) with ATG Credit, LLC (SC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In XXXX XXXX, my account was transferred from XXXX XXXX to ATG Credit to collect a debt that is owed to XXXX XXXX. In XXXX XXXX, I received final statement from XXXX XXXX that my remaining balance for my debt was in the amount of {$25000.00}. However, when ATG Credit first contacted me to collect this transferred debt it stated that I am to owe {$32000.00}. I contacted ATG Credit on several attempts to communicate that the balance due did not match what I have paid towards this debt. I also informed ATG Credit that the debt they attempted to collect does not have the monthly payments I provided to XXXX XXXX for the last two years accounted for. I still provided ATG Credit with monthly payments in the amount of {$250.00} from XXXX XXXX- XXXX XXXX, as I was instructed that they would resolve the matter. I was told from a representative at XXXX Credit that they would communicate with XXXX XXXX and the original collector, " XXXX XXXX '' to confirm my remaining balance. However, I have not received any confirmation and no one has resolved the matter. XXXX XXXX, I asked for ATG Credit to remove my credit card information and to stop taking payment until the matter is resolved. From XXXX XXXX, this is still an issue that has not been resolved. I am continually receiving letters from ATG Credit stating that I owe {$32.00}, XXXX in full, but nothing that confirms they are looking into resolving my remaining balance due. I have not received payment confirmation from ATG Credit for payments made between XX/XX/XXXX-XX/XX/XXXX, even though I have requested this each month. I changed my address to my parents ' address in the event that I was not receiving their letters, but even with the change in address nothing was or has been delivered to my parents ' address as well. I worry that this company is collecting debt with no clear statement of what the remaining balance is. It should not take a matter of six months to communicate with the debt collector what the remaining balance of the loan should be. ATG Credit has been very rude and provided poor service to resolve this matter. I have faxed and emailed ATG Credit my last balance statement from XXXX XXXX as proof of what my remaining balance should be, and the matter was still not resolved. This collector is not doing their part to fix this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This inquiries not authorize or fraudulent inquiries

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 06/16/2015 about Credit card () with HSBC NORTH AMERICA HOLDINGS INC. (FL).
Issue: Other

Complaint: I sent a letter to HSBC Bank inquiring about a account that they listed on my credit reports, which I do not recognize. The account number is listed as XXXX. I disputed their reporting reporting of this account under FACTA rules and regulations. I wanted a FACTA request for a complete accounting of account. I asked them for the date and amount of each and every charge, payment, or adjustment made on the referenced acct. I also told them that under FACTA, they must either provide me the requested info or delete this acct from all credit reports. To this date HSBC Bank has not provided me this information.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Avant Credit Corporation (LA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Request to CLOSE ACCOUNT and give payoff balance in XX/XX/XXXX. Advised was refinancing home to clear debts especially this one at 65 % APR. AVANT of Louisiana, LLC refused to cooperate with me or XXXX XXXX XXXX that was handling refinance of home and cutting payoff checks. Clearly told both of us would not close account nor put a payoff amount in writing. 
Applied for loan for medical emergency XX/XX/XXXX for {$2600.00}. because of the urgency..failed to read fine print that showed 65 % APR which meant at least {$130.00} a month was added to balance even if I paid more than monthly amt due on or before due date. This is the only Creditor that was not paid and only creditor that REFUSED TO CLOSE ACCOUNT ON DATE OF CONTACT REQUEST. My pain and desperation for emergency dentalsurgery led me to now having to deal with a financial burden that keeps increasing in leaps and bounds monthly, a company that refuses a request to close the account to stop the 65 % APR, refuses to allow me to talk to management. Seems I 'll be trying to pay this one debt forever and keep bad credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (IN).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I believe this servicer ( American Education Services ) is incorrectly calculating the interest charged to borrowers. The original load was in the amount of {$33000.00} and was disbursed on XXXX/XXXX/05 with a term of 238 months and a monthly payment of {$230.00}. The reported interest rate is XXXX % and the accrual method noted is simple interest calculated on the balance. According to their information the daily interest is the principal balance x XXXX % divided by 365 days = the daily interest accrual. I have used a number of simple interest loan calculators to compare their rates and payment terms. In all cases they are charging at minimum XXXX % greater in interest than the reported rate. 

With all of the current discussion concerning the impending student loan disaster I decided to go back and review the loans for my children. Based on the calculations it would appear that just for this loan it will cost about {$6900.00} more than the published information. If I am missing something I would like to know what it is. Otherwise this constitutes fraud I and needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (OK).
Issue: Credit card protection / Debt protection

Complaint: I had unemployment insurance on my Capital One account and they marked my account late 6 times on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/29/2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Delinquent account

Complaint: I entered into an agreement with ATTUniversal/Citicard to pay a credit card debt, The agreement was negotiated by XXXX XXXX XXXX and the payments were made thru them. I have copies of my signed agreement from XXXX and the agreement letter from Citibank. 
The original contract stated that I would pay Citi {$570.00} per month for a total of 12 months. I have copies of the front and back of each of the 12 cleared checks. The checks are dated XX/XX/XXXX thru XX/XX/XXXX. Since the final payment, Citibank has continued to report to the three credit bureaus that I owe them {$10000.00} in spite of my proof of the agreed-upon payoff of 12 x {$570.00} = {$6900.00}. Twice, I have sent them XXXX 1 certified return receipt mail and 1 fax XXXX copies of the cancelled checks and both the XXXX and Citibank agreement letters. They have never acknowledged receipt of any of them. The account has been moved to four different collection agencies who can not provide proof of the check that allegedly did not clear. They just repeat what Citibank has told them " The XXXX XXXX check was returned for insufficient funds. And I, once again, owe them the original amount of $ XXXX. " There was no XX/XX/XXXX check. The XXXX and final payment was XX/XX/XXXX. I have repeatedly asked for proof of the NSF check but have never received it. 
I have written the credit reporting agencies asking them to remove the incorrect information, to no avail. 
Citibank continues to say the NSF check broke our contract and I still owe them the {$10000.00}. I would like to see this item removed from my credit report and marked " paid as agreed. '' Please note this has been going in for more than a year and been circulated to four different collection agencies with NO help from Citibank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2015 about Debt collection (Medical) with AmeriCollect (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: The collection agency is attempting to collect debt I do not owe. They are attempting to " balance bill '' after the original creditor was paid what they agreed to accept from my insurance company for services. They have placed it on my credit reports and also have called excessive number of times to my place of employment. They have also let my coworkers know that the call was about a debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (MI).
Issue: Managing the loan or lease

Complaint: I 'm currently in the last stages of getting approved for a mortgage. 
I was approved up until they found that I was late on XXXX payments with AllyFinancial ( XXXX, XXXX and XXXX ) The payment date is on the XXXX, and afterspeaking with customer service they confirmed that I was not late on the XX/XX/XXXXpayment, although it did show that on my credit report. I have been a long time customer through your company for many years and hope that you will take that into consideration. Correcting this situation and hopefully retracting the other XXXX late payments from my credit report will help me immensely and willbe the only way I can improve my credit report and get my dream home. Your anticipated prompt consideration and cooperation with this matter is greatly appreciated. Once again, THANK YOUXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There is duplicate student loans on my report. They have been closed on XXXX accounts and transferred. My student loans have been 90 % paid for. The information on my reports are inaccurate.

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 12/16/2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (PA).
Issue: Struggling to pay mortgage

Complaint: My mother XXXX XXXX in XX/XX/XXXX, prior to that she was ill from one of those new pharmaceuticals. I did not have power of attorney to pay the mortgage, so it got behind. When I tried to make payments after she XXXX, they still had the mortgage in her name and SOCIAL SECURITY NUMBER, so I coul n't access the account to try and make payments. The company then foreclosed on XX/XX/XXXX. We have been issued an eviction notice, but we 're unsure of when that will be carried out. I have contacted legal aid to get a temporary restraining order on the eviction. The collection agency has been unwilling to help, and I have tried to refinance his loan through HARP. That is along process, though.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I submitted my annual Income-Driven Repayment Plan re-application to XXXX XXXX and Navient TWICE per the studentloans.gov instructions - the first application was # XXXX and was submitted onXX/XX/XXXX and the second was # XXXX, submitted XX/XX/XXXX. XXXX XXXX  only confirmed receipt and approval of my application upon my filing of an inquiry to studentloans.gov on XX/XX/XXXX - case # XXXX. Navient took two more weeks and only approved my application yesterday because I wrote a strongly worded email to their " customer advocate '' after my automatic payment was 200 % higher than normal. I am already stretched thin financially after moving across the country and taking a pay cut to be closer to my family and I overpaid on my student loans this past month because of these service providers ' neglience and irresponsibility ( or just unwillingness to process my application ). The moral of this story is that student loan providers are no better than loan sharks who will use any means necessary to extract all the money they can from their customers, who are now virtually required to get some sort of degree to be competitive in the job market. My family did not have the means to pay for me to go to school and I wish someone had told me how predatory the student loan industry is before I signed on the dotted lines.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Billing disputes

Complaint: Capital One is threatening a lawsuit if I miss another payment on my card ending in XXXX. I 've told them repeatedly that the charges making up the balance ARE NOT MINE!!!!!! I will NOT pay this balance!!! Let them waste their money on a lawsuit. I 'm still not paying for these charges as they ARE NOT MINE!!!

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section.    I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner.   If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness.   To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue.   1. XXXX   XXXX   XXXX  #  XXXX  2. XXXX  #  XXXX  3. XXXX  #  XXXX  4. XXXX    XXXX   XXXX   #  XXXX  5.  XXXX   XXXX   XXXX   #  XXXX  6.  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 04-11-2018 about Debt collection (I do not know) with Professional Debt Mediation, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: This account was unauthorized. I am a victim of identity theft.

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 01-09-2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage co. bought XXXX XX/XX/XXXX and first thing they charged me XXXX dollars Attorney fee which I protested and after several months they removed it. and they have assessed my account for XXXX dollars Escrow that is also a lie and for 18 months they have been relentless on me after I have shown them on paper where I only missed ONE month at the most for insurance because of a cancelation of all my auto insurance in XXXX and I did no know that they canceled my homeowners insurance also. I sent paperwork that proved I got Insurance the next month. They also say that I was one month behind in my payments which I have checked all my bank statements that say I am not. Please help me because they are doing this me and maybe a lot of other older people wrong by profiting off of escrow and legal fees. On the first statement they sent me I had XXXX dollars in the escrow line then they changed it to XXXX - sign later. Thanks XXXX Nationstar Acc. # XXXX

Company response to consumer: Closed with explanation