milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/13/2016 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: The credit card company erroneously charged me interest on my account, after the account was paid in full, did n't provide notice of the interest so kept charging more minimum interest. After 30 days past due, they sent me an email, so I immediately submitted payment. 

1 ) New credit card, with a new charge on XXXX/XXXX/16 in the amount of {$200.00}. 
2 ) Payment cycle is on the XXXX of the month, so this payment was due XXXX/XXXX/16. 
3 ) I forgot payment right away so they charged my {$25.00} late fee, which I was fine with. 
4 ) Once I received notice that this was late I submitted payment for the full balance owed of {$230.00}. That payment posted on XXXX/XXXX/16, according to their website. So, on XXXX/XXXX/16 I had a {$0.00} balance. 
5 ) It looks like on XXXX/XXXX/16 they charged a {$4.00} interest fee. I dispute this fee since I had paid my CC balance in full, which was posted on XXXX/XXXX/16, a day before the cycle ends. 
6 ) I did not receive notice of this {$4.00} interest charge so was under the impression my account was paid in full. 
7 ) On XXXX/XXXX/16, they charged me a minimum interest payment of {$2.00}. Again, I was unaware of this transaction since I thought my account was paid in full and did not receive notice. 
8 ) On XXXX/XXXX/16, they again charged me a minimum interest payment of {$2.00}. Again, I was unaware of this transaction since I thought my account was paid in full and did not receive notice. 
9 ) On XXXX/XXXX/16 I receive an email from XXXX XXXX informing me that my account is past due. I was confused, but worried about my credit score I immediately logged in and submitted payment for the full balance. 
10 ) On XXXX/XXXX/16, I started receiving notice from Credit monitoring companies of the late payment they reported. To my knowledge, they have reported 60+ days late to Experian and 30+ late to XXXX. I am unsure of XXXX since I do not subscribe to them, but if so I would like that record to be fixed as well, please. 
11 ) On XXXX/XXXX/16, my payment posted for the {$8.00} of interest that they charged me on XXXX/XXXX/16, XXXX/XXXX/16, and XXXX/XXXX/16. 
12 ) I am requesting reimbursement of all erroneous interest charges. I dispute the XXXX/XXXX/16 charge since my account was paid in full by the time the XXXX/XXXX/16 interest was assessed. I dispute the XXXX and XXXX interest charges since they were the result of the erroneous XXXX/XXXX/16 interest being charged. 
13 ) I am also requesting all erroneous reports to the credit bureaus to be fixed. My credit score has gone down XXXX points as a result of these erroneous reports.

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 06-01-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Loan was sold from Green Tree to Ditech, horrendous customer service and my account specialist dropped off the planet for two months before we were able to communicate about my situation, she was nonchalant offered very little options. 3 mos after my verbal attempt to do a modification, sent all documents requested they said I did n't qualify because I had XXXX already at this point I 'm now four months in the rear with payments. Green Tree never paid my property taxes, I had to retrieve the lien for property taxes unpaid, And they cancelled my insurance. In XXXX I received my default letter of course, no sale date but foreclosure threat. No written documents informing me that I was in an active foreclosure status. XXXX still nothing, I asked for a pay off which was never received by myself or the mortgage broker but we were told it was sent and had expired already and a new one would be higher and the attorney fees in the amount of XXXX XXXX dollars, even if the past due payments are less than XXXX XXXX on today XXXX/XXXX/2016. I so stressed from the ordeal, I ca n't sleep and its affecting my XXXX just getting through the IVR for customer service, after an hour on the phone verifying account specifics and your concern the call conveniently is disconnected. Each time the account is updated the same personal contact info is given, but no one called or wrote to advise me that they entered my home, took pictures and placed a lock box on my door.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (IL).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: Pinnacle Credit Services removed a collections account from my credit report, they then reinserted it into my report WITHOUT sending me any notification whatsoever. I have asked that the company provide me with some sort of original document or final bill to validate the debt, the amount of last payment and they have not attempted to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: On XXXX/XXXX/XXXX I received a copy of my EQUIFAX credit report online through XXXX XXXX XXXX. Under the heading listed in the EQUIFAX report, as ASSOCIATED ADDRESSES, there is an address that is listed that I am unfamiliar with and know for a fact that I never lived there. The questionable address is : XXXX XXXX XXXX, XXXX, MASSACHUSETTS XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/16/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IN).
Issue: Late fee

Complaint: My Capital One credit card payment is due on the XXXX of the month. While scheduling the payment, on the evening of the XX/XX/XXXX I discovered that I had been charged a {$25.00} fee because I did not make my payment before XXXX. I receive paper statements in the mail and make my payments electronically. Nowhere on the bill did I see that I would be charged {$25.00} on the XXXX if I did n't pay by XXXX. I have never been charged a late fee by a company when I 've set down and made the payment on the date due and it is wrong for them to set some arbitrary time during the day of the due date to pay the bill. This is just a scam to create fees on accounts that are in the interest free period. From now on I 'll be sure to schedule the payments on the XXXX to avoid this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-09-2016 about Credit card () with CITIBANK, N.A. (OK).
Issue: Customer service / Customer relations

Complaint: We have a Citi Best Buy card and have for years. Last XXXX we fell behind on our payment, due to the XXXX my husband lost his job. I thought Citi would work with us, unfortunately they would not budge. Our account went 3 months late. Even though I was making a payment, since it was not the full amount, Citi did not care and continued to add late payments. On XXXX XXXX, 2016, I spoke to an online chat rep asking if they could please lower the interest on the card so it would be more manageable for our family. I was told no and basically that I was irresponsible for letting the card go over its limit. I asked them to state that as a Citi repr they would not help us with the payment, I was again told I was irresponsible. I was n't asking to remove the debt, just to have a payment that was manageable. We have made every payment on time for years and were treated horribly at a time we needed to the help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (LA).
Issue: Struggling to pay mortgage

Complaint: I am appealing the Loan Modification Agreement Terms and asking for further assistance. Again, I am writing to save my home at XXXX XXXX XXXX XXXX XXXX, La. XXXX. I am asking that you reverse and remove all pre-foreclosure charges and stop the foreclosure procedure and cost while we began to work through a viable financial repayment plan that will allow me to save my home of 20 plus years. I will not be able to make a balloon payment of {$58000.00} after paying you for 18 years more than the 20 years that I have paid you. Last year, I also paid a {$7800.00} payment which included previous mortgage payments, late fees, server fees, other fees, inspection fees, attorneys fees, sheriff fees and additional fees. I would like to have the {$7800.00} money applied to back payments only to reduce my loan. I am trying to save my home and I am unable to do so with the surmounting fees.The goal of paying the mortgage is to retain my home. Home retention is what I am fighting for. I qualified for a loan modification since XXXX so I am requesting that a lower rate be retroactive to XXXX and applied to the loan and reduced the mortgage. Was this loan originally with SPS or transferred as a servicing mortgage? When? I am requesting those documents.I am requesting that you send me original documents with letterhead that just states that SPS is servicing this loan. I am requesting original documents that are readable. I need the entire loan package. I would like a Loan Modification Agreement that I can afford on a XXXX XXXX monthly income check. I am requesting a lower interest rate. I have a rate of 8.50 %. Please help me to save my home of XXXX plus years with your company. I have been paying this loan for nearly 20 years and owe more than the initial loan amount. I do not want to lose my home or the opportunity for a repayment plan. I am a XXXX XXXX XXXX Veteran who served in the XXXX XXXX a XXXX years old. I am still receiving 24 hour hospital care for the past 10 months after suffering 3 XXXX in the last 12 months and two more XXXX in 24 months. I currently receive XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX I need an affordable repayment plan with a new mortgage rate to keep my home while continue to heal and before I die.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: TransUnion did not comply with the Fair Credit Reporting Act, Section 609 and 611, in regards to conducting a reasonable investigation of my dispute against inaccurate items on my credit file as well as sending me all files used by them to verify these accounts when I asked for them. TransUnion is listing accounts on my credit file from the XXXX XXXX XXXX XXXX XXXX that belongs to someone else. These accounts are not mine. TransUnion keeps stating that they verified that these accounts are mine. How could they when the XXXXXXXX XXXX XXXX XXXX XXXX informed me that my account with them was paid in full on XXXX XXXX, XXXX? These accounts have appeared on my credit report since XXXX. I never had an account with XXXX XXXX. I have paid off my account with the XXXX XXXX XXXX in XXXX of XXXX. I have PAID MY LOAN IN FULL WITH THE XXXX XXXX XXXX XXXX XXXX and I HAVE NO OUTSTANDING ACCOUNTS WITH XXXX XXXX XXXX XXXX. I have included a copy of my Paid In Full letter from the XXXX XXXX XXXX XXXX XXXX. The accounts that are listed on my credit file that I am referencing is : XXXX XXXX XXXX # XXXX ... XXXX XXXX XXXXXXXX XXXX # XXXX These are not my accounts. I did not authorize these account to be on my credit file.

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 04/22/2018 about Debt collection (Other debt) with Torres Credit Services, Inc. (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XX/XX/2018 repeated phone calls

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/26/2017 about Bank account or service (Checking account) with M&T BANK CORPORATION (NY).
Issue: Problems caused by my funds being low

Complaint: We opened a checking account for my daughter at M & T Bank in XXXX XXXX prior to her going to college in XXXX. On XXXX XXXX, XXXX they charged her XXXX separate insufficient funds fees. She contacted them and told them that she had not made the charges, that her account information must have been compromised as she had been using the debit card for some electronic transactions for school text books. 
M & T Bank concluded that since the card was in her possession she must have made the charges and refused to acknowledge any possibility that her account had been compromised. 
They are now attempting to collect the " debt '' of insufficient funds fees AGAIN. 
1. I can not find any indication that we had signed up for them to overdraft the account in case of insufficient funds - THE CHARGES SHOULD HAVE BEEN DENIED RATHER THAN PASSED THROUGH. 
2. The bank charged NSF fees 4 times in the same day - again, the card should have been declined!!

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 04-01-2016 about Debt collection (I do not know) with FAIR COLLECTIONS & OUTSOURCING, INC. (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I get calls from some collection agency which refuses to identify itself asking for someone with a similar name to mind. I refused to give my Social Security Number and the address they gave me was not mine. When I asked for the name of the company and how they got my phone number they refused to respond. They eventually put me ion hold and never returned. I recently had similar problems which was reported to the XXXX credit bureau agencies and is on record. Their phone number is XXXX They gave me XXXX different names for their company. Please make sure they do not make any false reports to XXXX parties and investigate their practices.

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 09/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (PA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: American Express sent my account to collections after only being last 20 days on a payment. They did NOT call, email, or send me mail even notifying me I was late. And yes they have all of my info. Also, they claim they ca n't tell me why it was sent to collection, stating the third party is handling the account. The collection company they referred me to could n't tell me either. My statements all show current on my payments, and I in fact just paid this account off. Now it will show collections on my credit report when I did nothing wrong, and AMEX did n't even notify me there was problem. I will be filing a law suit pending the outcome of this. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Debt collection (I do not know) with Direct Recovery Services, LLC (OH).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: Received a robocall today. The caller identified themselves only by a first and last name. Claimed that my " file '' had been flagged by " internal audit '' and that I needed to pay {$450.00} to prevent it moving to the next stage. did not provide company name, credit name or any other explanation. Went on for some time listing various percentage and dollar amount " settlements ''. This same message indicating my " file '' was in their office and a lot of other pseudo legal terms was left on the voicemail of several friends and family members.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XXXX XXXX, 2015, a hard credit pull was done on my credit report by XXXX. I contacted XXXX Credit Card Services and they declined that they were even XXXX. After doing further research, I confirmed that XXXX is XXXX. I have never applied for a XXXX Credit Card, Mortgage or Personal Loan.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: transunion had a glitch in their system that violated the rights of their consumers under section XXXX. As a result, I have been greatly affected and my score is suffering as a result. No notice was ever given which is also a violation and i am requesting that ALL inquires be removed.

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 06/14/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I opened up a charge card thru   XXXX   XXXX  /Synchrony Bank. For the last several months I have made the full months payment. I even have a letter from them showing that I am paid current, refunding the late fees I paid ( just in case ). Again, I received a bill with late fees and interest. Again I called and again they said they will correct and send another letter. This is a practice of Synchrony bank hoping we just pay the fees. I am willing to bet I am not the only consumer with this experience. In my opinion this is therie attempt to defraud the consumer.

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 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: From XXXX through the end of XXXX XXXX, Equifax 's computer systems were compromised by hackers, who were able to access the most sensitive personal financial data from 143 million Americans, over 58 % of the adult population. While at this point, the impact is unclear, potential financial hacking with incalculable damage to is possible against any and all 143 million individuals for years to come. 

I am deeply concerned about this, and am contacting the CFPB to ask for official hearings and regulations be set up to impartially investigate the breach, force Equifax executives to account for their negligence before, during and after the breach, and most importantly, to set up much stricter laws for future data security for all Credit Reporting companies. This data is the equivalent of our personal health information, yet why is there no equivalent of HIPAA? It is unconscionable at this point in history that such lax oversight and unaccountability is allowed for Equifax and other such agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We have received a letter of " Notice of Pre-Foreclosure options '' form bank of America for our house on XXXX XXXX XXXX XXXX, XXXX, WA XXXX The letter requests that we " respond within 30 days or a notice of default may be issued and you may lose your home in foreclosure ''. 
Yet, the latter did not include why this letters was issued and why we may lose our home for a foreclosure. Bank of America failed to tell us know what is the problem and what action we need to take to avoid such action by them. Especially when we paid our mortgage on time every month since 2009. 
I am attaching the letter we received from Bank of America and the last mortgage statement. We here by request asking your assistance in resolving this issue and would like the bank to : 1. Specify exactly what is the problem and what we need to do to resolve. We need that in clear " English '' not in obscure lawyer language. 
2. Rescind the letter in writing. 

We also, contacted the bank today and the customer service person was not able to help and he stated that he " could not find any reason fro such letter since our payments are up-to-date ''. On top of that, he stated that he could not do anything.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I mailed a check of {$90000.00} to part pay the principal balance of my mortgage with Green Tree Servicing. Account number XXXX. The check was mailed USPS Priority Mail, and I had confirmation of delivery and signor on XXXX XXXX. On XXXX XXXX, I noted that the money had been applied, but split : $ {$2000.00} effective XXXX/XXXX/2015 applied as my advance XXXX payment, and {$87000.00} effective XXXX/XXXX/2015 applied to my principal balance. I called to notify them that all of the money should have been applied to the principal and the effective date should be XXXX/XXXX/2015. I have numerous calls since then - mostly unhelpful and even after escalation and a supposed " rush '' to fix, I still have the {$87000.00} although now applied to the principal, but STILL the wrong effective date of XXXX/XXXX/2015. I am told this morning that it might take another XXXX business days to fix. 

My complaint : why should they split the amount when I had previously called before sending the check stating that the whole amount to be applied to the principal, and why is the effective date still wrong? I can only assume that it is Green Tree 's process to do this as it clearly benefits the company at the expense of the client.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Student loan (Non-federal student loan) with DISCOVER BANK (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have mailed in money orders with the clear account number on it and the loan number on it and a letter stating this laid out. It was recieved and again payment put to the wrong account and not a sub set loan. 2 WEEKS now of going back and forth on the phone they have still not correct and charging interest on the loan in the meanwhile. Its very simple account XXXX with loan XXXX is not account XXXX distrubte to all.

Company response to consumer: Closed with explanation