milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/20/2017 about Debt collection (Payday loan) with MNE Services, Inc (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I took out a payday loan on line from USA and paid it back through my checking account via direct debit. I started to get threatening phone calls and eventually a XXXX XXXX called stating he was an attorney calling to inform me that my case was being filed in court unless I settle for {$550.00} on XXXX XXXX XXXX. He had me to purchase a XXXX card and fax a copy of my ID along with a note stating the last XXXX of my SS # and that I was making a payment in the amount of {$550.00}. The XXXX cards I purchased was XXXX with and exp date XXXX and XXXX on the back and a XXXX exp XXXX and XXXX on the back. Now XXXX called my home phone stating that my case with a ref # XXXX will be filed in court unless I settle for {$300.00} or set up payments over 6 months for {$74.00} to settle the debt out of court. He stated he was calling from arbertration and he transferred me to the payment dept to set up the payment. He caught me off guard and I gave him my debit card number and {$50.00} to come out XXXX/XXXX/XXXX. Afterward I realized it was a scam and went to my bank and cancelled the card on XXXX/XXXX/XXXX. I do not owe any payday loans.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Mortgage (Conventional home mortgage) with RoundPoint Mortgage Servicing Corporation (NJ).
Issue: Trouble during payment process

Complaint: My total payment with Mortgage, mortgage insurance, and taxes is {$1000.00}. On XXXX XXXX my payment raised to {$1600.00}. With such a large increase I called my Mortgage Roundpoint Mortgage ) and they claimed my escrow was short due to an increase in taxes. 

On XXXX XXXX I quickly went to XXXX and confirmed my taxes have not increased. They gave me a copy of my XXXX tax bill and preliminary tax for the first 6 months of XXXX. They also said no tax payment have been made towards a majority of XXXX and none of XXXX. 

I called back RoundPoint and they looked at where my taxes were sent, XXXX XXXX which is not my township. In addition they said my taxes were more than double of what my taxes actually are. They asked me to email them my form showing taxes from XXXX XXXX and we would use my grace period to adjust this. I emailed the tax document on XXXX XXXX. 

I had a 16 day grace period. On XXXX XXXX I called back and was informed the new anticipated date for completion is XXXX XXXX. I told them this was unacceptable, I need my taxes paid and I want to pay my correct amount. They said they would " escalate '' this matter and I 'd get a call back Monday the XXXX. 

No call on the XXXX. I called back Thursday the XXXX and still no update. Again it would be escalated and I should have a call in the next day. 

RoundPoint Mortgage has been accepting my payment and not paying my taxes. This sounded incompetent at first when they said they were paying the wrong township. The fact they put the burden on myself to prove the amount of my taxes, which I did and still taking over a month to fix this almost feels criminal. My taxes have n't been paid in 5 months and now my mortgage payment is late.

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 07/20/2017 about Vehicle loan or lease (Loan) with CAPITAL ONE FINANCIAL CORPORATION (MS).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: I have two payments left before my loan matures on XXXX XXXX, 2016. I Called to get my payoff. While I was aware that I have 4 additionally deffered payment I that were attached to the end of the loan. During the course of the loan problems arose where I had to defer my auto payment. Capital one deferred the payments and each time I was charged XXXX dollars to do so. I was told when I deferred the loan it would simply be added to the end of my loan requiring 4 more months of payment after the loan matured. When I called in to get my payoff I was told it was XXXX I asked where that amount coming from since my payment is XXXX per month and 6 payments would make the total XXXX. There was an additionally XXXX added to what I owed. I was then told by a representative in the Office of the President that each time my payment was not made on the the exact billing day of my contract ( meaning I had no grace period ) I was assessed intrest and that intrest was deducted from my principal and therefore more was going to intrest than to the loan. In addition, the four deferred payments were also assessed an extra intrest. That interest was derived by the formula where the principal bal was multipled by the interest rate of 25.13 % and divided by 365 days to get the additional interest being charged to my loan. So in affect, I was charged to two different points of interest on one loan. Next I was told after the loan matures I have 150 days to pay off this excess balance, ( the four defered payments plus all this extra added interest ). It was further explained that I could lose my vehicle and it affect my credit adversely if I failed to pay this lump sum. My problem is this, first I was never told the loan accrued intrest which was deducted from the principal if I didnt pay loan on the exact day. Next, I was told the deferred payments would be adding on additional months to my loan. I was not told it was adding adding and extra intrest to my loan in addtion to the 23.13 % already being tacked on. I believe Capital one has dealt with me deceptively by not fully explaining how the intrest acrued with the loan payment date as well as for the deferred payments. As a result, I have believe Capital One is literally stealing my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (TX).
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: In response to complaint XXXX Discover Card failed to respond to written request for documentation and proof to support the data being reported to the XXXX credit bureaus. This account has been disputed initially with the XXXX credit reporting agencies and came back verified each time without any of the requested documentation to substantiate the data being reported to XXXX, XXXX and XXXX. CFPB closed the complaint on XX/XX/XXXX without resolution allowing my consumer rights to continue to be violated. The initial attached letter requested under the Fair Credit Billing Act copies of the following : Original Contract with signature, Copies of all billing statements from inception reported as XX/XX/XXXX, and Full Accounting of account since reported inception until reported as charged off and afterwards. Discover after 60+days has not provided any of the supporting documentation listed above or any proof that it provided to the CRAs during their investigation. If Discover Bank is unwilling, unable, does not have accurate records pertaining to the debt, then they must remove the negative information being reported monthly to the XXXX credit reporting agencies. In response to complaint XXXX Discover wrote a letter with no supporting documentation and attached a corrupted file that could not be opened. None of these documents addresses the initial FCRA 623 investigation. How can I or anyone else including the XXXX CRAs validate or verify the accuracy of the balance, status, dates opened, closed, payment status, etc if Discover can not provide proof of the information it 's reporting to the CRAs? Also Discover Bank failed to provide written notice to me that it that furnished negative information to the CRAs. The notice must be provided to the consumer no later than 30 days after furnishing the negative information. Another violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: My date of birth is wrong on my credit information and it is not allowing me to use my credit or get my credit report. I have sent a comment email to annualcreditreport.com but I dont know if they can do anything. How do I get this fixed immediately? How will this continue to affect my credit?

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 10-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ND).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: All three major credit bureaus have illegally hoarded my personal information without this Consumer 's expressed written consent especially Equifax as all of my personal information was compromised in their breach. Pursuant to the 1974 Privacy Act, all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their false and misleading ways. According to the Fair Debt Collection Practices Act, all three credit bureaus maliciously and collectively shared this Consumer 's personal information to make trillions of dollars by selling it to various debt collectors,  employers, financial institutions, and a host of others.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2017 about Mortgage (Other type of mortgage) with NAVY FEDERAL CREDIT UNION (VA).
Issue: Applying for a mortgage

Complaint: On  XXXX   XXXX ,  2017 ( or about ),  I was told that my loan request was sent to  Navy Federal Loan Committee with a request t o waive  XXXX  exceptions. I was told the request was denied.  <P/> However,  Navy Federal br oadcasts in its advertising that it works with its members to find solutions.  <P/> In this case I am suspect that the request was ever made by underwriting.  <P/> In fact - the misrepresented to me and the public how they work for their members.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Deposits and withdrawals

Complaint: I have had a bank account with Bank of America and their predecessors for more than 40 years. My bank account does not reflect electronic funds in the amount of {$440.00} which was supposed to be directly directly deposited in my checking account. I will attach email sent to me by XXXX announcing such payments by XX/XX/2017 but no money ever appeared in my bank account. I will also attached picture of activities in my Bank of America account for you to verify that no money ever appeared as announced in the attached email. 
I have already emailed XXXX to further investigate this matter at their end but I believe is Bank of America ' illicit behavior what has been causing me loss of my money and credit worthiness. They have acted without any supervision or accountability for mistreating and taking advantage of consumers. 
I had a similar problem with Bank of America last year when I filed a complaint against them and I am still waiting to receive an answer. 

I hope you enforce the law in organizations defrauding people like me that I am a provider being pushed into bankruptcy due in part to Bank of America. They are have continued disposing of my money illegally. 
The Individual appointed by the bank to do the investigation from the complaint filed last year never returns my phone calls or responds to my request to set up a phone appointment. She knows full well I am a provider and ca n't answer phone calls while providing care. 
Bank of America 's negligent and dismissive response to my previous complaint when funds were not paid as scheduled and future payments, not scheduled by me replaced, the one never sent to XXXX. I am currently paying 26 % in interest as a result of this matter. Bank of America 's behavior demonstrates inability to ensure the security of consumers hard earned money. This is serious enough to render them ineligible to perform their duties. 

I appreciate all the interest you put to my case. The amount of financial problems associated with Bank of America unaccountability and unresponsiveness are too long to describe here. 
Please advise me on the best course of action. 
You can publish my case but not my name or account number. I believe it may cause me additional consequences.

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 12-04-2015 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: RE : Common Wealth Financial Systems Account # XXXX and XXXXXXXXOn XXXX XXXX, 2015, I requested debt verification/validation of the alleged debt claimed owed in the amounts of {$750.00} and {$300.00}. Correspondence was sent via USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX, which Common Wealth Financial Systems received on XXXX/XXXX/2015. After not receiving verification/validation, I then requested, on XXXX/XXXX/2015 via USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX which they received on XXXX/XXXX/2015, for Common Wealth Financial Systems to remove theses negative items from my credit report. They have failed to respond to either of my request.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: APR or interest rate

Complaint: Capital One raised my interest rate on my current bill. I received NO notice by phone, email or standard mail to advise me that this hike was about to occur. Just prior to receiving this bill I made a purchase with this card. If I had known that this hike was about to occur I would have used a different card. XXXX with a lower interest rate. When I called to complain they told me my card was an adjustable rate card which once again I had no knowledge of that if it is indeed an adjustable rate product. When they sent me the original solicitation to sign up for the card a number of years ago that stipulation must have been hidden in the fine print. On both counts Capital One was deceptive at best.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Debt collection (Auto) with SANTANDER CONSUMER USA HOLDINGS INC. (LA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I attempted to contact Santander Consumer and XXXX XXXX XX/XX/XXXX about accounts I had with them. I wanted them to send me information on when the account was opened and paid off. I contacted them via mail and sent a certified letter. I gave them 30 days to respond. No response. Contacted XXXX about the situation and asked them to remove the debts. It has been over 30 days and no response from XXXX and I sent them a letter certified as well.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2015 about Credit card () with CITIBANK, N.A. (GA).
Issue: Billing disputes

Complaint: On XXXX XXXX, 2015 I ordered several clothing items on XXXX under order number : XXXX. I only received some of the items ordered and when I called to inquire about the XXXX items that were missing, I was informed that instead of those items being sent to me as planned, the items were routed back to the distribution center inadvertently. I was further informed that I would receive a credit for the items that were not received and that if I still wanted the items not received, I would need to place a new order for the items that were not received. I informed the clerk that I still wanted the items not received and she told me that XXXX of the items was no longer available. She then proceeded to place a new order for the XXXX items that were never received ( minus the item that was no longer available ). The new order was placed under order number : XXXX. I was told that I would receive credit for XXXX items never received and that Macys would need to bill me again for the XXXX items on the new order. To date, my account still reflects a balance that includes the XXXX items never received XXXX the charges for the new order. As such I have paid for XXXX of the items from the old order XXXX and have also paid for the item that I was told was no longer available and never received. Each time I call Macy 's about my account, I am told that a credit back to my account for {$180.00} is being processed, but even now, nearly XXXX months later the promised credit has not posted to my account. In the interim, I am being forced to pay interest on a balance that is more than my original order until the issue is resolved. Thus far, Macys has been unable to offer a resolution and each time I call they promise a resolution in another 7-15 business days just to get me off of the phone. I feel that Macy 's business practices are unlawful and unfair to consumers and would like to have the matter further investigated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/29/2017 about Mortgage (Other type of mortgage) with PENNYMAC LOAN SERVICES, LLC. (FL).
Issue: Trouble during payment process

Complaint: In 2015 I lost my job 3 days after my first mortgage loan payment on XX/XX/XXXX. I spent 8 months without a job and early XX/XX/XXXX I fell behind on my loan payments.  As a result, my original loan was refinanced and payments under the new loan started on XX/XX/XXXX The XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX were applied to the old loan. By XX/XX/XXXX XX/XX/XXXX according to Penny Mac records I was 2 months behind. Issue solved and registered for auto-draft. Ever since then, every month I have to call because they draft the money from my account but for some reason they put it on hold and the money never gets deducted from my account unless I call and curse and swear to somebody. Today I received a call that I didn't pay XX/XX/XXXX XX/XX/XXXX. I'm pretty sure I called onXX/XX/XXXXto check on my account. Same thing... lady told me money was drafted and put on hold. But the person that called me today says the money was applied to XX/XX/XXXX and not XX/XX/XXXX. I have talked to collection agents, supervisors, they transfer me to a complaint division of some sorts... and everyone promises to fix the problem and it's been already a yr and problem hasn't been solved. I think that the money they had put on hold for XX/XX/XXXX was applied to XX/XX/XXXX instead. I'm pretty sure that I called on XX/XX/XXXX to check on the status for XX/XX/XXXX payment... and still, they messed it up. Don't know what to do anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: This civil judgement was place on my credit report for {$3000.00} that does n't belongs to me. I have contacted Experian about this account letting the know that this account belongs to my ex- wife and that it is also paid in full. They say that they did an investigation and the result is that it belongs to me and not paid. I have contacted the courts and they say that the account is paid in full but Experian is still saying that this account is mine and its not paid. I try to dispute it again but they will not do another investigation. I need this account to be remove from my credit report because not only is it paid in full but its not mine.

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 01-03-2017 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Equifax has improperly shared my credit report even after I have placed fraud alerts on my file. I have several inquiries I did n't authorize and they are refusing to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (MA).
Issue: Loan servicing, payments, escrow account

Complaint: Called SPS Portfolio Servicing to make my XXXX mortgage payment on a permanent loan modification and was transferred ( 6 ) times to different representative. Lastly XXXX XXXX, SPS Collections Manager tel : XXXX working hours XXXX -XXXX ( Monday through Thursday ) indicated that the instructions from SPS Attorney, XXXX XXXX was to refuse payment and transfer the call to her office. I have tried at least 6 times to make the payment over the phone. On hold now for 1 hour 45 minutes. I have asked to speak to upper management by XXXX XXXX indicated that he is the manager on duty and can not accept my payment per SPS Attorney, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2016 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (NJ).
Issue: Other transaction issues

Complaint: Hi, I have been having difficulty sending money from my US account to my bank account in XXXX via Western Union. I regularly send money using these XXXX accounts for the last few months but my last XXXX transactions, XXXX on XXXX XXXX 2016 and XXXX on XXXX XXXX 2016 did not go through. After using the company website feature of repeating a previously performed transaction of sending money from a US account to my own XXXX account, on XXXX XXXX 2016 I received an email titled " Your transfer is being reviewed ''. On XXXX XXXX I received a follow up email " payment received '' asking me to pick up the money in person in XXXX while I had asked the money to be deposited in my account in XXXX. On XXXX XXXX I received another email titled " Canceled money transfer '' saying the company had received my request to cancel the transaction so they were canceling it. I made no such request. After the XXXX transaction was denied I called the company but did not get a straight answer about what happened or what I should do differently, just some indirect answer about an " internal validation '' not going through. The money was refunded to me thankfully without any deductions. No money was deducted for the XXXX XXXX transaction as of now. The company apparently expects me to keep on applying until one day something changes and the transaction goes through. I do n't know what that something is.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (KY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The company continues to call me, saying I owe although I 've made a payment in full.

Company response to consumer: Closed with explanation