milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (CA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: on this site you state that 'You can not be charged a late fee if you paid at least the minimum amount due and your payment was received by XXXX XXXX. ( in the time zone where payments should be received ) on the date it was due. ' However, this has not been the case with my TJX Rewards Platinum MasterCard from XXXX XXXX. 

My credit card statement includes the warning : 'Late Payment Warning : If we do not receive your Total Minimum Payment Due by the Payment Due Date listed above, you may have to pay a late fee up to {$35.00}. ' My payment due date is the XXXX of each month and I have paid at least twice the minimum due each month before the due date, yet I have been assessed a late fees. For example, in XXXX, my due date was XXXX XXXX and my minimum due was {$140.00}. I made a {$200.00} payment on XXXX XXXX, and a {$100.00} payment on XXXX XXXX, yet I was charged a late fee for this billing cycle. 

I called the company and was told that the payment made on XXXX XXXX was counted towards the XXXX billing cycle ( which ended XXXX XXXX ) and thus did not count towards the minimum payment due in XXXX. It also did not count towards the minimum due in XXXX because it was after the due date of XXXX XXXX. Therefore, any payments made between the due date and the 'cycle date ' do not count towards the minimum payment due for either month. I asked to speak to a supervisor on XXXX XXXX ( around XXXX XXXX ) and asked where this was disclosed, the supervisor stated that it was in the terms of service - it took him several minutes to find a reference to it - which stated that only one payment was due per billing cycle.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Involved in the Equifax security breach which is a mishandling of data putting myself and hundreds of thousands of others at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Credit card () with TD BANK US HOLDING COMPANY (NJ).
Issue: Other

Complaint: The creditor TD Bank USA/Target Credit is reporting an incorrect first delinquency date on my XXXX report. This account has aged off on both of my XXXX and XXXX reports. I have tried disputing it a few time through XXXX but the account keeps returning that the information was verified and belongs to me. I have also spoke with reps from XXXX dispute department trying to explain to them that the account is reporting the wrong date and should of aged off my credit report. The only feedback I get from them is to contact the creditor direct. So I called TD Bank/Target today and spoke with a rep from their corporate headquarters that deals with credit accounts. She advised me that this account no longer has any history with their department and to dispute it. I stated to her that I have disputed the account a few times and that someone in her company is verifying the information as being correct. Then I requested if I could have her send me a letter stating that the account no longer has history, so I could use it to submit to XXXX, ; she refused. Then I asked her how is it that you are claiming there is no history available on this account but yet some how its being verified. She could not answer the question. So I politely asked if I could speak to a supervisor that deals with the credit agency disputes and she got nasty and told me she must release this phone call and good luck. 
By Law this account should of aged off after 7 years of reporting and it has n't due to TD Bank/Target reporting false information.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Experian Information Solutions Inc. (MN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F )  otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete Thanking you in advance. 

I demand the following inquiries removed immediately. 

The following inquiries are unauthorized : XXXX XXXX XXXX   Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX. Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/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 04/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: all XXXX credit agency, s says there not able to at this time to give me a credit report I tried to get a credit card at XXXX XXXX XXXX and they denied because they said the credit score was low I contacted the credit agencies 3 days after I received the letter from the bank that I was denied the credit card

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 09-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX/XXXX/2016 I received a notice from Convergent collection agency stating I owe XXXX {$190.00}. I do not owe that debt and have received a statement from XXXX stating No Payment Due.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Problems when you are unable to pay

Complaint: Santander Consumer USA is the lender : The short story is we bought a car a 2010 XXXX XXXX for {$18.00} on XXXX, the loan was set at XXXX percent interest. Since that time we have been late almost every Month with hardships after getting laid off. They repo 'd the car and chrged us an extra XXXX repo fee. 
My wife was n't making the payments and I was giving her money to make them, they repo 'd me again last month and charged me more lates fees and a XXXX dollar repo fee again. Now XXXX the bank says I owe XXXX for a car that only blue books for XXXX. and they wont work with me on a buy out for a lesser amount they wont waive fees or work with me at all. I want to let them take the car but I know that wont help my credit history and they will come back and say I owe them more new late fees and maybe XXXX. They do n't keep the records correct the statements are a mess, the company has many many many complaints. Why is our Government allowing Santander to do this to hard working Americans? The car will cost me over {$400000.00} by the time I pay it off and it 's only worth XXXX. What a joke our system is to even allow this kind of robbery. I offered them XXXX to pay it off and they refused? XXXX XXXX? Are they from XXXX? This is why we have people trying to beat the system because the system is not working for the people. If anyone looked at my account they would see that I am being taken to the cleaners. I need help please. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Mortgage (Conventional fixed mortgage) with CARDINAL FINANCIAL COMPANY (MI).
Issue: Settlement process and costs

Complaint: On XXXX XXXX, 2015 I made contact with Cardinal Financial Company LP Doing Business As as Sebonic Financial through the web site XXXX. I agreed to apply for a mortgage to refinance my personal residence. The mortgage terms were to be 30 year fixed at an interest rate of 3.375 %, origination fees of {$350.00} and a 30 day rate lock. After multiple delays on their part, on XXXX XXXX, 2015, two days prior to closing, they informed me that instead of paying origination fees of {$350.00} as originally stated in the Good Faith Estimate ( GFE ) dated XXXX XXXX, 2015, if I wanted the loan at the original terms I would have to pay origination fees of {$2700.00} as a rate lock extension charge. When I pointed out that the bulk of the delays were on their side and that on two occasions I was told by Sebonic/Cardinal representatives that if I was timely in my production of documents I would not have to pay for a rate lock extension, I was told by XXXX XXXX, XXXX XXXX XXXX, to take it or leave it. Given that rates had increased 84 % from the 3.375 % to around 4.0 % in the intervening 67 days and the XXXX is assumed to start raising rates in XXXX, I could do nothing but take it and pay the increase in fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/28/2016 about Credit card () with CITIBANK, N.A. (CT).
Issue: APR or interest rate

Complaint: I initially made purchases with an understanding that if balances are paid prior to special promotion ends, i would not get interest charges. I have made a total of {$8100.00} in two years with promotional terms along the way. I have paid a total of {$7400.00} which would leave a balance of {$650.00} They have charged me a total of {$4000.00} of interest! that is absolutely unacceptable. I have spoken to an attorney who has gone over every statement and has made sure that the balances that were carried over were all paid prior to promotional terms so they should n't have gotten any interest. I was advised to go through CFPB and get this resolved with merchant prior to filing a lawsuit.

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 05/16/2017 about Debt collection (I do not know) with QC HOLDINGS INC (MT).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: My ex sister in law received a call telling me that the person on the phone was trying to contact me. I called them back and left a message. I received a call today at XXXX XXXX onXX/XX/XXXX. I was trying to get information about this debt l owe. They stated that I owe {$1900.00} and they would take XXXX if I paid today. I told them to send me the paperwork about this debt. The person on the phone got really upset with me. I also told her that I do n't have a checking account and have n't sinceXX/XX/XXXX. She was very belligerent towards me because of my response to her.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (WA).
Issue: Trouble during payment process

Complaint: my 30 year fixed harp mortgage changed from {$750.00} monthly to over {$2000.00}. I was sent a higher mortgage payment in XX/XX/XXXX and when i called, they said that my insurance or taxes must have gone up, raising my escrow but after checking with both i was told no, the escrow was to remain the same. I continue to receive 2 phone calls a day from Nationstar mortgage, continue to receive letters with increased monthly mortgage payments plus late fees and have attempted to speak with them on the phone to no avail. One person whom I spoke with said that the mortgage company must have applied a mortgage i sent in in XX/XX/XXXX to principle rather than a payment and I tried to tell her that I did not intend this to happen and no one contacted me. This phone call took place inXX/XX/XXXX. I get phone calls at XXXX XXXX every XXXX ( I work XXXX until after XXXX so this is early for me and wakes me up every XXXX ) then they call me again in the afternoon when I am work and ca n't talk to them ... ..customer service is manned by " English as a second language '' people and ca n't understand the issue, reading me a script which does n't help. I have been working on this for over a year ... .please help.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Merchants' Credit Guide Company (KY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have a collection account on my credit reports from Merchant 's Credit Guide for a some kind of medical collection from a radiology place. I have no idea what this is and I have attempted disputing this with the credit bureaus and have not had any success in getting this resolved. This needs to be removed from my credit reports. This does not belong to 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 07-06-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There is an account listed as in collections from Oregon XXXX XXXX XXXX. I have this account set up on automatic debits from my checking account for monthly payments. I have never missed a payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Transition has an account from the us department of treasury listed on my credit file which has been closed since 2011 which is a government fine from the bankruptcy court for a bankruptcy that did not belong to me. However transunion has the wrong date the fine was open and the wrong date the debt was closed. This account is closed and in collections and they are still charging fees and interest that is appearing monthly on this closed account. This should be deleted it 's not my bankruptcy that got the fine imposed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On or about XXXX XXXX, XXXX, I learned that XXXX XXXX XXXX erroneously reported to XXXX and Transunion credit reporting agencies that my car loan was at least 30 days delinquent in XXXX XXXX. I called XXXX XXXX XXXX to inquire about the claims. The customer service representative did not show that my account had ever been 30 days delinquent since the inception of the loan. The representative further suggested that I dispute the reported information in my affected credit report files. Shortly thereafter, I disputed the claims with both credit agencies. Around 30 days later, I learned that the reports were not changed, but simply updated. My car loan payments are due on the XXXX of every month. I plan to upload my payment history from XXXX XXXX XXXX that proves that my XXXX XXXX payment was not 30 days late. In fact, the XXXX XXXX payment was made on XXXX XXXX, XXXX, according to the financing company website.

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 12/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (FL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Dear Sir or Madam : American Express hasnt applied the {$650.00} credit which Im requesting in fees due to not receiving statements. Please stop ignoring my requests as every single one has been ignored. I have gotten the odd disputes for this case that are not described as this dispute. The process for this has been very challenging. 

Requested Credit/Refund : {$690.00} Reason : Statement not Received. I am appealing a rejected dispute on my card. AMERICAN EXPRESS conclusion is wrong. I contacted AMERICAN EXPRESS repeatedly, sending the request via mail & online. I was given a bunch of different dispute numbers for this same issue yet my balance never changed. The wording of their responses didnt match my requests. Its been all a mess and a very difficult process. I never receive the {$680.00} in adjustments. All I got were my old missing statements. I hadnt received statements from XXXX-XXXX since I moved. This dispute is for credits towards those months of being over-billed. I am seeking adjustments for multiple fees charged per month, as not receiving statements caused my bill to increase. The minimum payment amount also skyrocketed because of it. Ive reviewed all of the transactions within the time frame when I did not receive statements. Those fees billed still pending credit are listed below. Fees dates & amounts : XXXX/XXXX/XXXX {$37.00}, XXXX/XXXX/XXXX {$86.00}, XXXX/XXXX/XXXX {$86.00}, XXXX/XXXX/XXXX $ XXXX {$38.00}, XXXX/XXXX/XXXX {$87.00}, XXXX/XXXX/XXXX {$29.00}, XXXX/XXXX/XXXX {$38.00}, XXXX/XXXX/XXXX {$91.00}, XXXX/XXXX/XXXX {$31.00}. The following 6 transactions arent listed in the statement but are shown in the inquiry area under the account services tab and in the open a billing dispute choice XXXX screenshot attached ) : XXXX/XXXX/XXXX {$91.00}, XXXX/XXXX/XXXX {$12.00}, XXXX/XXXX/XXXX {$9.00}, XXXX/XXXX/XXXX {$0.00}, XXXX/XXXX/XXXX {$0.00}, XXXX/XXXX/XXXX {$3.00}, XXXX/XXXX/XXXX {$24.00}. Totals : {$680.00}. Its been a difficult process requesting this credit. I only ask for the credits mentioned.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Debt collection (I do not know) with Halsted Financial Services, LLC. (HI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They called my office asking for me and told XXXX of my staff it was a personal matter and I needed to call XXXX XXXX XXXX XXXX XXXX. when I called the area code ( XXXX ) number they wanted me to confirm my social security number and date of birth. I refused and asked them what this was about. They would not tell me. I did tell them that if they were attempting to collect on any collection matter, that I have filed with the FTC twice.The latest date was XXXX/XXXX/2016. I keep telling these people that this is NOT my debt and I also filed an Identity theft issue. I also told them that after I got off this call I was going to contact the CFPB and file a complaint. They hung up on me without saying good bye. I sent letters, etc and still they keep coming after me. It needs to STOP. The last company is Halsted. But funny, the number that first called is a Hawaii area code. Please ask them to stop harassing me over a debt that I keep filing that does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2018 about Mortgage (Conventional home mortgage) with FREEDOM MORTGAGE COMPANY (TX).
Issue: Trouble during payment process

Complaint: The current loan with Freedom Mortgage corporation was acquired from another mortgage company a couple of months ago. My mortgage payment is due by the first of each month, grace period until XXXX. I use the Autopay of my bank on XXXX of each month. I checked with my bank and was told that my bank usually mail out checks a few days ahead. Freedom Mortgage deposited the checks on XX/XX/XXXX and XX/XX/XXXX. I received the late payment charge for XXXX and again on XXXX. I called Freedom Mortgage several occasions for the problem. They always blamed the USPS not very reliable, which may not be true. Finally one person from Freedom Mortgage admitted that their system was down so that they could not process payments on time. They reluctantly waived my late charges and warned me that they would not waive any more. The mortgage company put unnecessary burdens and blame on a borrower for a problem of their own.

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 01/17/2018 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (LA).
Issue: Struggling to pay mortgage

Complaint: I purchased a mobile home in XXXX for {$40000.00}. I put down {$10000.00} and financing {$30000.00}. This was financed with Green Tree and they have since changed their name to Ditech Financial but it is the same company. 
On XXXX XXXX, XXXX, I will have been paying this mortgage for 20 years. The company now says I still have a balance of over {$16000.00}. 
I requested an amortization and according to this document, most of my payments have gone to interest with zero going toward the principal. When I questioned Ditech, I was told it was because of simple interest which is crazy because I should still have principal payments and not zero. 
According to my calculations, I have paid over {$80000.00} on a {$30000.00} loan. Ditech has sent me a letter stating that I owe over {$22000.00} on this {$30000.00} loan that I have paid on for 20 years. 
So for the past 20 years, this company has only applied {$8000.00} to the principal which is just crazy. 
I need help. I have contacted them and offered a settlement offer of {$3000.00} along with a hardship letter as I am now living on a limited income of {$850.00} per month. They have turned down my offer and asked for {$7000.00} and I have counter offered {$5000.00} but I feel that I have paid them enough. 
They have called me asking when I am going to vacate my home and I told them I wo n't leave. 
Please help.

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