milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/19/2016 about Debt collection (Mortgage) with BC SERVICES, INC. (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The collection agency Boettcher & Associates Inc. from XXXX, Colorado has failed to validate their claim to a debt ( which has been bought numerous times in the last 10 years ) as well as payment history on the debt which they had a full calendar year to provide. Recently they violated the FDCPA privacy laws by speaking with a family member about the debt, and not only that then they sent that family member a letter that stated Boettcher & Associates was attempting to collect the debt from my family member.

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 10-10-2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: In the " remarks '' on " XXXX XXXX '' as well as " XXXX XXXX Bank '' it has " consumer disputes. '' These remarks are effecting me getting a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2015 about Consumer Loan (Title loan) with U.S. BANCORP (WA).
Issue: Payment to acct not credited

Complaint: I purchased an RV through US Bank. The payments of {$340.00} initiated on XX/XX/XXXX. Approximately XXXX weeks prior to the due date XXXX of each month I would go into the main US Bank XXXX XXXX XXXX XXXX XXXX WA and submit my check that also included an additional principle payment- from XXXX XXXX XXXX. On my check I would note that this payment was for Principle only. The last several months I started to receive my statements that would say I had a past due amount ( for {$200.00} ) ; thus adding it to my normal payment. I went in and they said they would fix it - but the following month there again was another past due amount of XXXX. I actually got a call last Friday the XXXX from a bank collector looking to have me submit the past due payment. 
Any borderline teller should be able to bring up my account and see that all along I 've been making my regular payment plus added principle. When I had this XXXX min conversation I was transferred to another employee ; who in speaking with them ask about a couple of statements that I received ( XX/XX/XXXX and XX/XX/XXXX ) that I had a XXXX amount due so I wrote {$400.00}. towards principle only and was told that those payments really did n't all go towards the principle that some went to future payments -paying interest. When I ask for a print out of all payments I made she told me I would be charged a fee for this. Really! I was told the situation was change and the past due was taken care of-when I went to the bank today it still had a past due of XXXX on my account. 
My main concern is if this is happening to me ( a senior citizen ) how many unsuspecting people world wide that do n't check their monthly statements are they doing this to. 
I had similar issues with my mortgage for several months. They were not applying my full principle payment to my principle but taking out and applying to my interest-as if I would give them free money. So over all, this has gone on for many months-despite my telling them that I will seek out further investigation. I got insulted when the folks that called me said it was the front line teller that was causing the problems. I know they go into their computer templates and place the payments in the appropriate boxs. I have most of my statements and my check register noting days of payments with check numbers and how much additional principle made. I 'm really tired of hearing I 'm sorry -I think/believe there should be an outside audit run on their procedures and if found at fault-upper management lose their jobs. This is very stressful for me- I work in a VERY High stress work field ( XXXX ) I really do n't need to constantly monitor and call attention to inappropriate bookkeeping from professionals. I believe XXXX financial got nipped for doing something like this. 
Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-03-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This HELOC account went into default XXXX. XXXX reports the last activity date of XXXX ( when the house foreclosed ) however, they continue to report 90+ days late as of XXXX ( 6.5 years later ). We sent XXXX credit bureau dispute letters however, XXXX has failed to fix the reporting issues. Please CFPB step in and require them to remove the lates after the account charged off. This is account is now 6.5 years old. It should be falling off my credit report all together as of XXXX. This item is reporting to mine and my husband 's reports. 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 explanation
Consumer complaint received 01-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: cra and hippa violation inaccurate information sent the po report to them with the case number with XXXX XXXX  equifax and XXXX taking more than 30 days to resolve my issue

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Debt collection (Auto debt) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: I keep getting unsolicited calls from a debt collection agency who claims to be located in XXXX tx named SANtander. They claim I have a XXXX XXXX and keep calling for XXXX XXXX or XXXX. I have told them my number is not asicaocatied with these people and to not call me anymore XXXX. It happened back in XX/XX/2018 I thought I wouldn't receive anymore calls then yesterday at XXXX I get voicemail asking for me to call her back XXXX ( XXXX ) XXXX she's there till XXXX. They want to run my credit card and only want a debit card and XXXX XXXX  is how the payment is applied. Last time they said they were the law and and used XXXX ( XXXX ) XXXX This number. I have registered my number w do not call list yet they keep violating the rules an think it's joke and it's illegal to solicit money in fraudent ways. They claim to be a debt collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE (MI).
Issue: Problems caused by my funds being low

Complaint: On XX/XX/XXXX I was charged a NSF fee for XXXX due to a check I wrote around 2 weeks before this date. 
Upon investigation and many phone calls I was told the {$37.00} could not be refunded because Huntington has credited me too many times in the last year. One of these credits is due to the last complaint with the CFPB. 
I also found out that Huntington changed my account without my permission to a " Asterix free checking '' When I had a " Huntington 5 account '' I found out I was using ATM and being charged fees also, then found out my account was no longer the Huntington 5 account. 
There was no notice of my account changed, there was no reason from huntington on why it was changed and this was done without my permission. 
I am very upset that the check that was bounced back was not covered under the huntington 24 hour grace. What is disturbing is nobody can answer why it was not covered. All I am told is " It is up to the bank ''. The check would of put my account negative {$21.00} if I would of gotten the 24 hour grace. Thus would of been paid ( I did pay the NSF charges the same day. 
The disturbing part is the Huntington Customer Service. The local bank declared " Personal checks are not covered by 24 hour grace '' Call center agents tell me that I am not eligible for 24 hour grace anymore because of my past account history. Well I was never sent a notice that 24 hour grace is not longer available for me. 
The local banking center says I am eligible for 24 hour grace still and that they are sorry my account was changed without my permission. 
This is a very frustrating bank and I was also told I can never have any money refunded until XX/XX/XXXX. Because you are only allowed {$50.00} a year and the {$300.00} from my last CFPB complaint exceeded that. I thought this would be a good jester from Huntington and did not realize if I made anymore mistakes I was going to be staked out and have all my privileges removed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/17/2015 about Student loan (Non-federal student loan) with ACS Education Services (KY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: This is related to a previous request, Case number : XXXX. 

Based on the success of my previous request. I have requested that my co-borrower be released from my loan. ACS stipulates that I must make 24 consecutive payments for this to occur. However, since my payments were misapplied, ACS is not showing that I meet the stipulation. 

If my payments are adjusted correctly and the overage balances are moved forward, I believe I meet the requirement for the co-borrower to be released. I would like to see a full audit of my account and payments, along with the stipulations of my loan, to have my co-borrower released from the loan. I would also like to know the stipulation of my loan in the event of the death of the co-borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Student loan (Federal student loan servicing) with MOHELA (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Hello, I currently have my Federal Student Loans serviced by Mohela. I attented to set up a recurring auto-debit set up, whereby I would have an additional amount withdrawn every month. I wanted the additional recurring to go to a specific loan, rather than be spread across all my loans. However, I called them and they explained they do not have that option available. They said I would have to pay manually every month if I wanted my additional payments targeted. Given that they are a federal loan servicer, I find that they do not have this option to be ridiculous, and purposefully unfair to consumers. This is a policy put in place for the purpose of extracting additional interest. A consumer should have the option to direct where his additional recurring payments go, especially with the servicer pulling out all the stops to ensure we use auto-debit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2016 about Debt collection (I do not know) with Commercial Trade, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: Just received notification from XXXX subscription that a new collections was added to my report. Puzzled, I log on to see what was going on. XXXX collections were reported to the credit agencies, however, not one time did Commercial Trade Bureau contact me via phone -or- mail. How can I pay debts that I know nothing about when the collections agency is n't properly notifying me?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Equifax 's online credit report disputing service does not work ( www.investigate.equifax.com ). If you try to use it, it just runs you in circles between XXXX web pages. Credit reports are supposed to be accessible and the ability to dispute inaccuracies are supposed to be easy and available. This needs to be fixed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I continued to stay in contact with Wells Fargo while I was trying to sell my house to at least short sell, if possible. I informed them I came to the house every day, was maintaining the house and had personal items I was trying to get out. I had piles to go to the auction, to storage and to move. 
I was never given a first time vacancy letter. Instead, one day, I came home to a notice on my door, the back door locks were changed. My personal belongings were thrown all over the place. My tax documents were gone through and stolen. I had antiques, tools, items ready to go to auction for sale that were stolen. The place was a mess and I had a showing that afternoon for the house. 
On top of this, when I called Wells Fargo and their service who changed the locks, they told me it was n't necessary to file a police report, only to find out later it was very necessary. I was continually given a hard time on the phone with my claim. They gave me different claim numbers, they told me to file a burglary claim online but my policy number was never accepted online then they told me that residential policies could not be filed on line. I was continually re-directed. In the meantime, I had over {$2500.00} worth of stolen items, along with my identity.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Billing disputes

Complaint: I filed a complaint with you over a month ago concerning the excessive charges on my citi card # XXXX and received a satisfying answer from XXXX XXXX of the Executive Response Unit saying all interest, late charges and membership fees were credited back to my acct. A balance of {$21.00} remained. I called her over 6x, leaving mess- ages, asking her what the balance was for as I had paid in full all my charges on XXXX XXXX of {$23.00}. She never returned my calls. On Sunday XXXX XXXX I called Citi 4x the last call lasting 40 minutes. The balance was reduced to {$10.00} but they could not tell me what it was for. The last call the balance was reduced to {$4.00}, again they could not tell me why I am being being charged. It 's amazing that an agent ( XXXX ) and a supv could spend so much time on the phone for such a little amount but they refused to remove the charge, even though they can not tell me what it is for. Obviously I will never do business with Citi again. Please help again!!! This is so aggravating and frustrating.

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 02/22/2017 about Debt collection (Medical) with Fairway Capital Recovery, LLC (KY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I made a {$420.00} payment against a debt of {$1100.00}, which should have left a balance of {$750.00}. They sent a notice showing a balance due of {$890.00} with no notice that they were charging a fee, interest, or any other modification of my debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Consumer Loan (Vehicle loan) with MUFG UNION BANK, NATIONAL ASSOCIATION (CA).
Issue: Managing the loan or lease

Complaint: Union Bank IT employees continue to " Cancel, Stop, Change '' Bank Fraud Alerts, Overdraft Protection Alerts, Deposits and withdraws.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Debt collection (Auto) with ALLY FINANCIAL INC. (MO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Receiving calls everyday and sometimes up to XXXX or five times a day! I explain over and over payment set up already on their system! I have never missed a month but they call if you are three days late! I feel they need to review their processes because it is harassment as much as they are calling and their workers or not notating call!! 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 explanation
Consumer complaint received 05/28/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: My issue is really trying to collect a refund that they owe. I agreed to repay my debt back and made all payments. My very last payment that was deducted out of my bank account on XXXX/XXXX/15 was {$150.00} extra. They have only refunded me {$20.00} to day. I am still waiting for my remaining {$130.00}. Each time I call Midland Credit Management MCM I am routed to a call center in XXXX. They use fake American names and they have access to all of my personal information including my bank account, social security number, address etc. I am getting the run around trying to collect my refund and can not speak to anyone who can help me. I am very frustrated and angry as I kept to my agreement, plus I am really upset how they just released my personal information to just any one in XXXX without my permission. Please help me get my refund back,

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: judgment with XXXX had been resolved and needs to be removed from my credit report or marked as judgment satisfied. I already disputed this with XXXX and they deleted this file and I uploaded the receipts to Equifax and they have ignoredmy request to change any information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Conn's, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Payment had just come due and i spoke to a representative told her my situation that i had lost my job and had no income, insisted that i give her my bank information told her it was no use no i had no funds.she was hesitant for me to give her a date of payment. I told her as soon as i got a job would pay.kept telling me she needed a payment.i myself closed the discussion and told her would call them back.since then i have been receiving more than 4calls a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/22/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Closing/Cancelling account

Complaint: I have been on hold for 1.5 hours trying to cancel my credit card. Thirty-five minutes into the call I did get connected to a representative only to be told that I must be connected to a " specialist '' in order to close the account. It has been an hour and a half and I am still on hold on the call.

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 05/15/2017 about Mortgage (Conventional home mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY).
Issue: Trouble during payment process

Complaint: XXXX   XXXX  has made every single monthly payment since receiving a TPP and permanent modificatio n, but Rushmore keeps improperly saying that she is a month behind. Rushmore has sent her a mortgage statement and default n otice indicating she is a payment behind when she should be current. ( Ex. A. and B ).      XXXX   XXXX  received a   XXXX   XXXX   Trial Period Plan ( TPP ) with payments of {$1500.00} beginning in  XXXX   XXXX  from her previous servicer,  XXXX   XXXX . ( Ex . C ). S  he made 3 timely  TPP payments for  XXXX ,  XXXX  and  XXXX  of  XXXX . While waiting for her permanent modification documents, she made TPP payments for  XXXX ,  XXXX , and  XXXX . After she mailed in her  XXXX  payment, she found out that the servicing of her loan was being transferred to   Rushmore. She then continued making TPP payments to Rushmore    for    XXXX ,  XXXX  and  XXXX   XXXX . After she made her  XXXX   XXXX  TPP payment, she received permanent modification documents from  Rushmore in dicating a higher monthly payment of {$1900.00}. ( Ex. D ) Following the terms of her permanent modification, she signed and returned the documents, and began making payments of {$1900.00} starting with the  XXXX   XXXX  payment. Although her  XXXX  payment was initially returned, her attorney sorted this issue out,  and Rushmore  accepted both her  XXXX  and  XXXX  payments of {$1900.00}.  XXXX   XXXX  was notified she needed to sign new permanent modification documents in  XXXX , but the payment remained the same. She signed and returned those documents in  XXXX . ( Ex . E   ).   She made her  XXXX ,  XXXX  and  XXXX  payments in the amount of {$1900.00}. Attached as Exhibit F are copies of every single check  XXXX   XXXX  has paid from  XXXX   XXXX  to  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Student loan (Non-federal student loan) with URS Holding, LLC (MI).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Enterprise Recovery System continues to contact my employer even after I had sent a letter indicating not to do so. They continue to harass my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Debt collection (I do not know) with Weinberg Mediation Group LLC (MO).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I received a phone call from XXXX ( XXXX ) XXXX XX/XX/18 XXXX, which went to my cell phone voicemail with a recorded message regarding the following : This is final courtesy call from the Weinberg Mediation Group . Before reporting that you've been uncooperative in the investigation against you, if we do not hear from either yourself or your legal representation today we will be left with no recourse other than to report your noncompliance issue to the proper jurisdiction. Our office number is XXXX again thats XXXX thank you good day I have not received any other information nor communication otherwise written or verbal from this group and/or office regarding any alleged debts. The person does not leave his name or ask for a name of the individual hes seeking. The tone of the person leaving the message is very demeaning. 

I have not tried to contact this mediation group and dont plan to based on my legal rights.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation