milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/28/2017 about Mortgage (Conventional home mortgage) with ASSOCIATED BANK, NATIONAL ASSOCIATION (WI).
Issue: Trouble during payment process

Complaint: Due to when I get paid and how much I get paid from my employer, I frequently have to pay the principal and interest portions of my mortgage payment separately. This is allowed by my lender, Associated Bank and I have been doing it for years. Frequently, when I do this, the teller who takes the escrow portion ( second payment of the month ) places the money in the incorrect account ( escrow or P and I ) or applies the wrong amount ( either too much or too little money in either P and I or escrow ). I have, over the years, contacted Associated Bank dozens of times in attempts to rectify this issue as, if the payment is not made and applied correctly, even through no fault of my own, I am ultimately responsible for the bank 's mistake as it is my credit that suffers for their mistake, not them. <P/>The XXXX 2017 mortgage payment was applied incorrectly by the teller, I was told, when I called this morning to check if the payment had been applied. I called my local loan officer, XXXX XXXX, for assistance. XXXX told me, during the course of our conversation that because I did n't make my entire mortgage payment at once, like other people do, there was nothing that could be done to help me, because my situation is so rare. <P/>Additionally, he stated that Associated Bank 's system for processing payments was not set up to accommodate multiple mortgage payments. So, here is a multi million, if not billion dollar bank that, in 2017 has a computer processing system so inept it can not process multiple mortgage payments on the same account. That makes no sense. This mortgage is my largest bill, by a longshot. I have tried the BBB, We Care at Associated Bank numerous times in attempts to resolve this issue. I am so frustrated and am at my wit 's end. I do n't know what else to do and am pleading for assistance. Make Associated Bank work with me so I can make allowable, on time payments, per their policy. Make them honor good faith lending practices. I do n't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Debt collection (Federal student loan) with Navient Solutions, LLC. (PR).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I was tricked into an online learning college scam and ive become aware of it a few months to this day. I was pursuing a dream of becoming XXXX, but unfortunately I was not lucky at the moment I enrolled in an online institution because there was no XXXX degrees being offered at the time XXXX of Puerto Rico. So I decided to entrolled at XXXX XXXX ONLINE to start pursuing a career XXXX. I asked for several loans to pay for the courses I was enrolled in and transactions were made between the education institution and the financial lender Salie Mae to cover the expenses of the degree, which were pretty expensive. XXXX XXXX XXXX was charging me {$300.00} per credit and the concentration courses were even XXXX credits, each course lasted 9 weeks and I only lasted 2 years before finding out that a college in Puerto Rico, XXXX XXXX, was offering the same degree, and I didnt had to pay a cent for the same education and even a better one. I was told that not even XXXX charges {$300.00} per credit. Now I have my degree but there is still no jobs XXXX, neither I have being able to start my own business due to the poverty level im under. I survive by doing a job here and there, by donations my parents give me and by welfare I got at the moment of enrolling in XXXX XXXX due to the benefits a student renter has for having such low income. 

I understand that there is a debt forgiveness doctrine practiced in the economic world. Similar to XXXX XXXX XXXX where every seven years debt must be forgiven. There had pass 8 years almost and yet, my debt has not been forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Equifax repeatedly ignores and violates my rights under the FCRA. They continue to report unverified items on my credit file after repeated request from all parties involved for verification. To date I have not received anything in the form of verification i.e. executed contract(s), 1st hand account of credit agency rep verification from original creditor(s). receipts, canceled checks from my bank account, etc...

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Credit line increase/decrease

Complaint: The credit card company formerly known as GE Money Bank who services several of my credit accounts randomly and without warning cancelled or closed paid accounts and lowered credit limits on my credit accounts without cause. I have never been late on any of my accounts and in fact have a monthly automatic payment set up on each of them. Because of this action my credit score has been harmed.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Debt collection (I do not know) with CITIBANK, N.A. (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: OneMain Financial has been calling my home trying to contact my mother-in-law regarding her account with them. They call several times a day starting early in the morning until about XXXX. I usually get 3 to 4 calls a day, both robocalls and human. I have told them that my home phone number is not her number and she has as well but they continue to call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/25/2016 about Consumer Loan (Installment loan) with Conn's, Inc. (OK).
Issue: Managing the loan or lease

Complaint: I have XXXX installment loans with XXXX 's that were suppose to be 12 months no interest. I have made my month payments until XX/XX/XXXX I was n't able to make the payment so they gave me a deferment, without knowledge they are no charging me interest on those accounts. I tried contacting them and they said yes I 'm being charged interest now since I was n't able to make payment. I changed the address on the account to my current address however they would change it back to an old address. I never received any notices saying that the account would be charged interest now. Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2015 about Credit card () with AMERICAN EXPRESS COMPANY (WA).
Issue: Customer service / Customer relations

Complaint: American Express sent a letter to me, dated XXXX XXXX, XXXX, stating that they were updating my address from XXXX, to XXXX ( I moved in XXXX ). However, I have not had any kind of relationship with American Express since I filed for personal bankruptcy in XXXX ; the balance on my old AMEX card was written off in the bankruptcy. On XXXX I called American Express Customer Service ( at XXXX ), spoke with XXXX, and asked him why they were trying to communicate with me via USPS. He told me I needed to call their " Special Handling Team '' at XXXX, which I did. I spoke with XXXX XXXX and asked her why they were communicating with me when we had not had a relationship in over a decade. She told me that they received information from " the USPS data base '' that my address had changed, and that is what triggered the letter. However, she refused to state why American Express had attempted to send a letter to me in the first place, and when I asked to speak with her supervisor, she hung up on me. 

American Express is harassing and haranguing me over an old debt that was discharged in bankruptcy. American Express needs to tell me why they are trying to contact me and why they are harassing me. If it is in fact because of this old debt, they are violating the Fair Debt Collect Act and they need to be sanctioned for this violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
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: The data showing on my  XXXX  account states : " {$10000.00} from  XXXX  to  XXXX  and {$500.00} from  XXXX  to  XXXX  '' for the credit limit. This is incorrect for the {$500.00}, the account was closed with a {$10000.00} limit.     This was previously disputed with the credit bureau and a second attempt was unsuccessful online with an error message.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Mortgage (VA mortgage) with JPMORGAN CHASE & CO. (VA).
Issue: Application, originator, mortgage broker

Complaint: In process of obtaining a mortgage loan, there were errors on the credit report that was obtained. We filed for bankruptcy XX/XX/XXXX and bankruptcy was discharged XX/XX/XXXX. After the bankruptcy, the credit report was obtained. The first error ; was on the XXXX mortgage stated ; foreclosure proceeding started XX/XX/XXXX ; conventional real estate loan, including purchase money first. The second error was on the XXXX mortgage, stating charged off ; XXXX mortgage. Both were filed with the bankruptcy chapter XXXX. The third error was a judgment that has a status that was NO SATISFIED, that was also filed under bankruptcy chapter XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Specialized Loan Services, XXXX. Purchased/acquired my mortgage loan, and from XX/XX/XXXX, and XX/XX/XXXX ; I had sent payments on the amount of {$470.00}, However on XX/XX/XXXX they will raise my mortgage payment to {$480.00}, they increase my payment XXXX dollar per year. I could use these on my XXXX dollars {$8.00} on laundry machines ; and to pay {$40.00} co-payment with my Endocrinologist. 

I have not received SLS Mortgage interest statement and or my property tax bill paid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Debt collection (Credit card debt) with Weber & Olcese, PLC (MI).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: I got divorced in XXXX and I got stuck with a credit card bill that I could not afford to pay. I was taken to court and the judge ruled in XXXX Banks favor and I did owe this bill. I get XXXX in XXXX and XXXX in XXXX and the judge said they won judgement but could not collect.In XXXX they served garnishment papers on any income tax return I get, but I dont have to file as Im way below the poverty level. I got a official looking court document on XXXX XXXX XXXX the next day I called the courthouse and was told no court papers had been filed and to ignore or contact the lawyer listed. I did not contact him as hes not pleasant. But I did notice he signed a scrawled name in spot where the judge or clerk signs. Here is the name of lawyer XXXX XXXX XXXX XXXX Mi. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/30/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: XXXX charge off account verification. The original creditor was not able to provide any information regarding this account to me. Experian dispute responded as verified. I don not believe they correctly investigated this account

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/24/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I contacted the credit agency TransUnion. They tell me that in order to get the false inquiry on my credit report removed, I need to send an authorization letter and an inquiry deletion letter. I contacted the XXXX Bank to try and obtain an inquiry deletion letter and they told me to contact the credit agency. So I kept calling back and forth with no result or progress. XXXX companies gave me a lot of numbers that could n't help me at all, so I 'm trying to find out how I resolve this unauthorized hard inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Debt collection (Credit card debt) with NORTHLAND GROUP INC (GA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I previously instructed XXXX to discontinue communications with me in all shape, manner and/or form. Recently XXXX representatives have begun contacting me regarding information I sent to the CEO 's Office. I have not communicated and/or forwarded information to the CEO 's office since I instructed XXXX to cease and desist. They in turn have begun calling and sending emails and XXXX Message notices. This is in strict violation of the cease and desist. Additionally, XXXX sold the alleged credti card debt to the Northland Group who in turn have been contacting me. Due to this transaction, XXXX does not even have standing and/or an interest basis to be contacting me except to harass. I provided the Northland Groupd an opportunity to provide me strict proof of any debt obligation related to the credit card debt they are seeking to collect but they failed to so so. As a result, I have also ordered the Northland Group to cease an desist in all forms of communications. The correspondence ( s ) are attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX ( Walmart Credit Card ) is incorrectly reporting my account as late. I submitted a dispute with the bureaus and XXXX XXXX responded with a document showing that they NEVER received payment from me since XX/XX/XXXX ( please see attached document showing them saying I never paid ). 
I have made payments to Walmart in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( Please see attached documentation as proof ). 
Furthermore, the noted on my credit reports that the account was closed in XX/XX/XXXX, when the account was closed in 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 02-11-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Deposits and withdrawals

Complaint: i had an account with bank of america. I realized my debit card had been stolen by someone I knew, and apparently had been used to buy and send money orders as well as other things. When I reported this to Bank of America as soon as i realized what was going on they refused to give me back the money that had been in my account before the fraudulent activity as well as asserted that i was fully responsible for the charges on the account though I had no knowledge that was going to happen. I filed a report with them stating that I was not involved and was trying to file a claim for fraud however they never initiated anything even after multiple contacts with them. I am not able to open a new checking or savings account anywhere not even through second chance banking opportunities as this is listed as fraudulent activity on my part. I 've been trying to resolve this issue for a few years and need to be able to open accounts as I do not feel i should be made to pay fees for something I did not do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Debt collection (Medical debt) with Hauge Associates, Inc. (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have a a unverified account from HAUGE ASSOCIATES. I had previously disputed this account. I have never done business with HAUGE ASSOCIATES. Pursuant to the Fair Debt8 Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that HAUGE ASSOCIATES Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that HAUGE ASSOCIATES Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (DC).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I was making payments and prepayments we only applied to interest and not principle. I was in a repayment plan that was not repaying the loan, after 5 years my balance was the same despite paying more than my payment and I was not made aware.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Mortgage (Other mortgage) with Ditech Financial LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Green Tree Servicing LLC and its affiliates keep on calling me at all time of the day regarding a mortgage payment. I never signed any note for this company. I asked them on many occasions to stop calling me. They wo n't stop. I would like to have them to destroy any record they may have created on me for whatever purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: The address : XXXX, Fl XXXX I have never lived at, visited or otherwise have any knowledge of This address except to say we heard that our account was in fact hacked from XXXX And they attempted to have all new credit, cards in my name delivered to this address. Some time ago..

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Credit card () with JPMORGAN CHASE & CO. (IL).
Issue: Billing disputes

Complaint: After receiving several offers for credit card from southwest chase credit card. I called one day to inquire about the card. I spoke with a woman, she told me about the card, and as an incentive to become a customer she said that the annual fee of XXXX would be waived. After hearing that I applied and was approved for credit. I got my card in the mail, and activated it, got the app and check balance periodically. Today, I checked my balance on my app. I noticed the annual fee was charged to my account. Which I figured was a mistake on there end. So, I call and speak with a CSR, a guy who I should have gotton his name, was not helpful and was VERY unprofessional. His tone of voice was absolutely despicable. I felt as I was his child he was reprimanding. I told him about the fee and he continue to say you didnt see what was being said when you applied, it said that, we dont do that. No customer or any human being or XXXX an animal should be spoke to like that. He needs to be retrained. I asked to speak to a Supervisor, which she was not helpful at all. She acted as she looked into and did not see anything. I felt if she would have did some digging then she would have been able to assist me. I felt as she did not want to help me and I was a bother to her. Being a new customer and being treated as I was, this leaves a bad taste in my mouth and have me wishing I would have never got an account with SouthWest Chase. I wish I can close this account but I can not, I got a hit on my credit getting the card and if I close it so soon, it will be bad on my credit. I feel stuck and no way out. I will warn others and inform people of my experience, so others wont get trapped like I am.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I had made my payments on time but yet I still get late fees to my account and there is this interest purchase charges on my account every month and I haven't made any purchases in the last 5-7 months. I sent numerous letter and no one has responded. I tried calling and they tell me that there is nothing they can do. They are ripping everyone off by doing this. Please resolve this!!! If no purchases are made in that month then they should not be charging any interest purchase charges.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have sent all documentation to the credit bureas about fraudulent items that are showing on my credit reports. An identity theft statement, police report, a victim statement and a name of all accounts, addresses, names, birhtdays, ect to the credit bureaus. The credit bureaus replied with a letter stating that they refuse to block the fraudulent information. These items are fraudulent and do not belong to me. they stated that i must have gained from these items. it is a store on the report that is for kids. i am a XXXX year old man. i am not even familiar with this store. I am asking that the bureaus immediatly block and remove all of these fraudulent items immediatly.

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