milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/30/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Trouble during payment process

Complaint: Here we go again. This has happened for the third time now, with them not applying a payment that I have demanded that they apply all towards principal and they refuse to correct the problem for me. The continue to apply one payment out of the additional {$5000.00} principal payment and apply that one payment towards the future. Therefore, making an additional {$400.00} + in interest, because it it just sitting their for an entire month!!!! This time, the payment was made on XX/XX/XXXX, for {$5000.00}.  Called on XX/XX/XXXX, spoke to XXXX, and asked for the payment that was placed in the " future '' to be placed back on principal. She said it would be fixed. Called back on XX/XX/XXXX, problem was still not fixed. Spoke with XXXX, she said she would get it fixed. Still, on XX/XX/XXXX, the problem is still not fixed. THEY HAVE BEEN COLLECTING ADDITIONAL INTEREST FOR 9 DAYS NOW!!!!! SEE OUR LEGAL ORIGINAL MORTGAGE DOCUMENTS THAT STATE THEY MUST APPLY ANY ADDITIONAL PAYMENTS MADE TOWARDS PRINCIPAL AS LONG AS WE OWE NO $ . The next payment is not due until XX/XX/XXXX!!!! PLEASE HELP US WITH THIS!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 
THEY ARE A SCAM COMPANY!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: on XX/XX/2017 I join XXXX  XXXX XXXX a XXXX XXXX XXXX XXXX . They sent XXXX store card a proposal to lower my payments and interest and remove all late payments. XXXX continue to report me 30days late every month. They accepted the proposal with the understanding they would receive my payments on the XX/XX/XXXX of each month. I'm trying to increase my credit score. XXXX continue to send negative information to the credit bureau. They continue to show me late. I have contacted them several time and nothing has changed.

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 (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: XXXX has placed me on collection for cable services to a person who is using services in the XXXX. They continue to attempt to collect on a wrongful account # XXXX. Services are being provided to an address in the XXXX where I do not reside or know anyone at this address. This is not my first wrongful debt incident with this company that I suspect is purposely doing this.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I was recently noticed by Seterus, my mortgage servicer, that I owed late fees for late payments for XXXX 2015, XXXX 2015 and XXXX 2015. I have records from the USPS showing the tracking data including the date delivered and signed for by an official of Seterus. On one occasion, the XXXX 2015 delivery was delayed by the USPS for an unknown reason. The payment was mailed 3 days prior to the due date. The payment was mailed through USPS using a 2-day priority mail postage. It was delayed by 4 days with no explanation. I called Seterus and was told by their customer service department that the only way I could dispute a late fee was to write to them and mail it. I had previous taken care of similar issues over the phone but now they are telling me this can only be disputed by mail. 
The due date for my mortgage payment is the XXXX of the month. The 15 day grace period allows to the XXXX of the month. As per the attachments, the payments for XXXX and XXXX 2015 were received and signed for on the XXXX of the respective months. The XXXX payment was mailed on the same date as usual but it was delayed by the USPS which is shown in the tracking information. It was supposed to be a 2-day priority mail delivery with signature verification.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2015 about Debt collection (Medical) with Account Services Collections, Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: UT XXXX XXXX CenterItemized Statements XXXX & XXXX Received XXXX/XXXX/XXXX, and Related PaymentsI received subject itemized statements for services rendered on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I paid all invoices received from UT XXXX. But they submitted bill for {$290.00} to Account Services Collections, and placed on my credit reports. 
Billed to my XXXX XXXX:XXXX {$3700.00} and paid {$3600.00}. 
Balance due : $ XXXX was billed and paid : {$72.00} - XXXX/XXXX/XXXX, $ XXXX XXXX/XXXX/XXXX, $ XXXX, $ XXXX XXXX/XXXX/XXXX, $ XXXX XXXX to my XXXX Insurance : XXXX/XXXX/XXXX {$2900.00} and paid $ XXXXBalance due : $ XXXXI was billled and paid {$420.00} - XXXXGrand Total Balance due : {$430.00} Grand Total Paid by me : {$700.00} Diff. {$270.00} due meAccording to your policy, the payment made on XXXX/XXXX/XXXX was charged at the time that the XXXX/XXXX/XXXX appointment was scheduled. As you can see, I was overbilled, and overpayment was made for these appointments in the amount of {$270.00}. Therefore, UT XXXX XXXX XXXX owes me {$270.00} for these overcharges. 
Please remove the collection of these bills, since I have paid all invoices as billed. Furthermore, please refund the amount overpaid. I am also notifying the Better Business Bureau and the Federal Trade Commission of these over billings. 
Sincerely, XXXX XXXX XXXX XXXX XXXXCc : XXXX Federal Trade Commission

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (CT).
Issue: Unauthorized transactions/trans. issues

Complaint: I have a prepaid debit card with rush card on XXXX XXXX there was supposed to be doing some kind of update to their system and it was only supposed to last a couple of hours here it is 13 days later I 've had XXXX pay checks deposited into this account and I can not access any of my money you call rush card to try to find out what 's going on your on hold for XXXX to XXXX hours once you finally get someone they tell you they ca n't help you because their system is down but most of the time you 're put on hold for XXXX to XXXX hours to pick up and then hang up on you I have changed my direct deposit so no more of my checks will be going into this account but I would like to have access to the money that is on the card now but I called on XXXX XXXX and that was my last straw the customer service rep told me that I should change my direct deposit which I kindly inform her that I already did that I just wanted to know when will I have access to the money that 's on the card right now she told me that it could be weeks before I will have access to that money this situation has caused me and my family unneeded stress in my life my landlord is threatening to evict me before the situation happened I was a little behind with my rent I made an agreement with my landlord I would pay him {$300.00} a week until I was caught up and he would n't evict me and I was doing that until this situation happened now I have missed XXXX payments and my landlord is threatening to evict me I 'm scared that by the time this whole situation is fixed me and my family will be in the streets every customer service rep for Rush card that I have spoken to I have explained the situation to them and they do n't care why they keep saying is they sorry they sorry me sorry I do n't want to hear sorry anymore I want my money how could this be legal that they can hold your money like this and a Rush Card representatives are telling people that the cards are working and that 's a lie my card has n't worked for over 13 days and counting at this point I feel no one at Rush Card cares about me and my family I have XXXX kids that depend on me where we supposed to go if my landlord evict us I hope you can help

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/29/2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: This is regarding our loan # XXXX. Our first Homeowner Support Specialist, XXXX XXXX contacted me on XX/XX/XXXX regarding our loan. We submitted paper work requested by XXXX XXXX. We were immediately reassigned to a loan negotiator XXXX XXXX. We submitted our information regarding out loan including hardship letter, personal and business tax returns, bank statements, and information about the property associated with the loan without much feedback from either XXXX XXXX or XXXX XXXX. We were reassigned again XX/XX/XXXX to XXXX XXXX XXXX. During this time we acquired the assistance of an attorney XXXX XXXX XXXX of XXXX XXXX, XXXX. XXXX XXXX attempted to contact XXXX XXXX in numerous occasions on our behalf regarding a short sale of the property in association with loan # XXXX. There was no response from XXXX XXXX to either me or my legal representation. A mortgage complaint was filed on my behalf from XXXX XXXX and we were reassigned to a XXXX Homeowner Support Specialist XXXX XXXX. We resubmitted all of our paper work again only to be reassigned to a fourth person XXXX XXXX XXXX. This whole ordeal took so much of my time and efforts getting information to different people at Citi Mortgage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-05-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Hi, I recently discovered while checking my credit on credit karma that there is an address that is not mine. This address I have never been to and I want this to be remove from my credit reports has I think this could be a person trying to do fraud using some of my information. 

The wrong information on my credit reports are as follows:XXXX , CA XXXX - this has NEVER been my address and have NEVER even been in the area. I just recently moved to XXXX. 

Could I have some help on how I can remove these from my credit reports? 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Checking or savings account (Checking account) with PNC Bank N.A. (DE).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: On XXXX XXXX {$25.00} was debited from XXXX rather than XXXX as it was supposed to. Rather than using the overdraft protection that I requested to come out of XXXX, the account accrued ridiculous d.a.i.l.y. fees for a simple {$25.00} balance. 

On XXXX XXXX, the full negative amount was XXXX from account XXXX, after {$150.00} in fees had racked up - rather than simply doing this from the start when the {$25.00} was initially taken. 

When I called, I was told nothing could be done as I already had a courtesy refund of fees earlier in 2017, which is untrue, those fees were requested due a billing dispute. The snotty representative told me to close the account, then. 

I work for a bank and I can tell you - this exact behavior is why customers hate us. These disgusting business practices are why banks have no trust among American consumers. I would never treat a customer like this and find it reprehensible that PNC ca n't make money in an honest way.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (NC).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX, Citimortgage coerced a voluntary judgment from me for a XXXX mortgage on a home I possessed while I was still negotiating terms for loss mitigation with the XXXX lien holder. This action took place during a mediation with a mediator selected from a list they provided. I fell behind on payments as I lost my job of nearly 10 years in XXXX XXXX. I was still unemployed at the time they had me sign the voluntary judgment even though I repeatedly told them I did not want to sign it. The XXXX lienholder subsequently foreclosed in XXXX XXXX. Citi, through their third party attorneys, XXXX and XXXX, sought to have me file a notice of exemptions in XXXX XXXX based on this voluntary judgment, and I was served with this paperwork in XXXX XXXX. I responded timely with a motion to open and dismiss the judgment but my argument then was insufficient. I now see, based on the XXXX filings and now an improperly issued notice from the sheriff threatening to take my personal property if I did not respond by a date certain ( came regular US mail ), that Citi and their attorney have dealt with me unfairly, fraudulently and illegally, particularly in light of the XXXX XXXX, XXXX Consent Order to Cease and Desist foreclosure activity against borrowers with pending proceedings from XXXX XXXX, XXXX through XXXX XXXX, XXXX, and the subsequent Consent Judgment of XXXX XXXX which afforded balanced remedies and/or restitution to borrowers in this category including XXXX. I was a qualified borrower. However, I was never notified by Citi or its attorneys of the Consent Order, Consent Judgment or any potential rights or remedies I may have had under them. I believe they deliberately rushed to get the voluntary judgment against me in XXXX in order to exclude me, and they did, in fact, exclude me from being a borrower under the Consent Judgment even though I did qualify. I have suffered irreparable financial harm from CitiMortgage and its third party attorney, XXXX and XXXX by their not following the Consent Order to Cease and Desist action against me and then by excluding me from the Consent Judgment where the balance on the XXXX mortgage may have been resolved under XXXX and/or other provisions, and then by their continuing to pursue the full balance of the mortgage plus accrued interest, for which they also did not properly document the ownership of the 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 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: bankruptcy XXXX bankruptcy XXXX i supplied them with letter of dispute and reason and they refuse to update my account in a timely manner.

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 09/13/2017 about Debt collection (I do not know) with Midwest Recovery Systems (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Midwest Recovery just reported a {$160.00} collection balance on my credit report. Prior to the appearance of this account on my credit report, I did not receive my notice of my right to dispute, which is a violation of federal collection law.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Consumer Loan (Installment loan) with HSBC NORTH AMERICA HOLDINGS INC. (VA).
Issue: Managing the loan or lease

Complaint: My husband and I got a revolving line of credit loan in XX/XX/XXXX. We bought a credit life insurance policy to cover the loan. My husband died in XX/XX/XXXX. I told the lender about his death many times and asked them to use the policy to pay-off the loan but they ignore me.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (PA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: They called my fathers phone number. He could n't understand the first person so he said okay. They transferred him to someone else. The person got on the phone and clearly without verifying any information of who they were speaking with blurred out my name and stated that I owed a debt and that they were gon na take it to court. I myself as a debt collector know this is illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-02-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Other fee

Complaint: I switched my card from XXXX ( with annual fee ) to XXXXXXXX ( with no annual fee ) in XXXX 2016. I was not refunded the portion of the annual fee for the remainder of 2016 when I had a no-fee card. In addition, I was not given the benefits of the XXXX card from XXXX 2016 onwards ( XXXX miles per dollar spent ). I earned XXXX miles per dollar spent which is the XXXX earning rate. 

In other words, I was charged for a higher product but given the service and benefits of the lower product.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: In review of my TransUnion report via XXXX XXXX, I 've discovered on XXXX XXXX, 2016 XXXX XXXX XXXX hard inquires were removed from my credit profile and re-inserted on XXXX XXXX, 2016 without notification. TransUnion is required by law to inform me within 5 days of re-insertion that they are adding anything to my credit profile and since TransUnion failed to notify me they broke the law. TransUnion violated my rights under the FCRA SECTION 611 laws. I 've been calling TransUnion ever since and received no help. TransUnion representatives refused to transfer me to the Fraud Department or the XXXX Department for assistance with this issue ; multiple incidents with rude, unprofessional and uneducated representatives representing TransUnion ; I have also been told by TransUnion representatives that TransUnion was aware of this issue but, refused to correct it or provide a resolution to its consumers that were affected by this glitch or TransUnion error.

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 05/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: XXXX  has ignored my request to provide me with the physical documents that their company has on file that was used to verify the accounts I disputed in my file. Due to the fact that they have past the 30 day mark and can not provide documentation for verification of these accounts, under Secto n 611 ( 5 ) ( A ) of the FCRA  - they are required to '' ... promptly delete all information which can not be verified, '' that I have disputed. Please resolve this matter as soon as possible.     Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Credit card () with JPMORGAN CHASE & CO. (VT).
Issue: Other

Complaint: We requested the SCRA military relief act to be applied to our credit cards through Chase. Chase has denied the benefit stating the benefit does not apply to our card because my husband is only an authorized user on the account and is not liable for the account. They further stated the law does not apply because we live in Vermont. All of our other cards had no problem and promptly gave us the SCRA benefit on our account. We believe we are eligible for this benefit and Chase is breaking the law by not extending this benefit to our account.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Mortgage (Conventional fixed mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: After Carrington Mortgage Services purchased my loan from XXXX, they never notified me and I missed a payment. The next month, after realizing, I went online to make a payment and they would not allow it. They said I had to register with XXXX XXXX and send the $ that way. This did not seem right, so i did n't do it. I then contacted them again and they said I had to pay both months. At the time, we were not able to do that, so they asked me to fill out the loan modification paperwork in order to get that payment rolled back into our mortgage. This started a grueling nightmare project for 6 months of filling out paperwork, faxing XXXX pages at a time and then them continuing to say they never recieved it. I sent all the paperwork, completely XXXX different times, yet they " never received it ''. I called many many many times, trying to get this worked out, only to be put on hold for XXXX minutes, or to be told they needed something else ( that I had already sent ) or even re-telling my entire story becaus eno one had made record of it. For 6 months they let this go on. When I finally got everything in ( or more like they found it ) they processed my loan modification and then came back and said we did n't qualify and our house would go into foerclosure if we did n't pay the full amount due.

Company response to consumer: Closed with explanation