milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/13/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (MI).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Comenity - XXXX XXXX credit card does not have the option to set up reoccurring payments which is very inconvienent. You have to go online each month and setup the payment. Unfortunately I was dealing with an ailing family member and was preoccupied for months until they passed and forgot to set up my payments. I have gone online for several months even years and paid on time. This is the only creditor I have that does n't have an option for reoccurring and you ca n't set up the next one until after your payment is made. I received a phone message and was horrified that I forgot to set up that payment so I immediately setup a payment to make it current then I set up another one after that one got paid for the next due. Called the company the very next day was transfereed to customer relations and they told me to write a letter and fax it or mail it asking for forgiveness and if they can fix the late reporting to my credit report. I received a letter dated XXXX XXXX, 2017 stating they reviewed my file and ca n't make any adjustments to my credit reporting. Bottom line you should be able to set up any online account to have reoccurring payments so you do n't make the mistake of not setting it up every month. Even XXXX who has interest free promotions like XXXX XXXX allows you to set up reoccurring payments. It seems companies that wo n't want you to mess up so you end up paying all the interest ... which to me is very deceptive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filled BK in 2012 so everything was discharged including all tax liens. 
In all XXXX credit bureaus still shows that i owe tax liens and property lien. 

I have proves from the court, BK discharge certificate. Please assist. 
XXXX XXXX XXXX XXXXXXXXXXXX

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 02/23/2016 about Debt collection (Credit card) with AMERICAN EXPRESS COMPANY (NJ).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I signed a stipulation of settlement ( attached ) in XX/XX/2015 which said my payments are due by the XXXX of each month, with a 7 day grace period. I have typically made payments on the XXXX of the month, but have decided to exercise my right to pay at the end of the month. 

I spoke with XXXX who said that the original deal I signed does not matter and I need to make payments by the XXXX. He said that if the payment is not received, my entire settlement agreement become null and void and I will be responsible for the full pre-settlement amount, and will have to prove my side by spending money on lawyers.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NM).
Issue: Problem with fraud alerts or security freezes

Complaint: Companies : Equifax, XXXX, and XXXX Dates : XXXX 2017 Following the Equifax data breach, I have attempted to freeze my credit with all three agencies. I have run into broken websites that ca n't verify my identity, long hold times, and hangups on their customer service times. 

But more importantly, I did not CHOOSE to be a customer of theirs, and yet in order to put a security freeze on my credit, I must PAY THEM. This is extortion. This service should be opt-in. When someone opens a bank account, credit card, or loan for the first time, they should be able to opt-in to this service and opt-out at any time. 

Americans are clearly not the customer, they are the product being sold. And yet somehow also we must pay for it.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Student loan (Non-federal student loan) with GREAT LAKES (NH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Pulled directly from Great Lakes Borrower Services Website : How Payments Are Applied " However, when it comes to extra payment amounts ( see examples below ), after all interest and late fees due have been satisfied, we automatically apply the extra amount to the unpaid balance on the loan with the highest interest rate ( if there are multiple loans in your account ). If you do n't want the extra payment amount to be applied this way, contact us. If you, instead, want an extra payment amount to be applied to a specific loan, you must provide us with the loan 's account number and interest rate. '' I was a XXXX major and currently work for XXXX XXXX. I state this so that my concern may be taken a bit more seriously as I 'm sure you receive unmerited complaints all the time. Their are multiple issues at play here, but I will start with what I assume to be the most common. I am currently in repayment on XXXX loans with this lender ( technically it 's XXXX XXXX XXXX ), XXXX has a 8 % interest rate and the other 8.375 %. I have all of my amortized interest paid and so only pay monthly accrued interest. I overpay each month in order to further deplete the principal balance. As the quote states above all extra payments will be applied to the higher rated loan. THIS IS NOT TRUE. I have been informed by multiple service representatives that I need to continuously call in to request that my over payments be allocated the way that I prefer and that if I do not than they will be applied proportionally to each loan. XXXX off that is not how it should be because the borrower is at a loss in this case. XXXX that is not how they advertise on their site which is fraudulent as well. I have been happy that they are willing to prorate my payments and make the adjustments that I prefer, but I ca n't imagine many graduates thinking this way nor looking into it. Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2016 about Debt collection (Medical) with AR Resources, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This is for XXXX XXXX XXXX, I paid this off I spoke with a XXXX from XXXX XXXX XXXX she also agreed I do not owe this money she has tried to get it taken off. her number is XXXX I sent a copy of my o balance to XXXX XXXX at AR Resources XXXX fax XXXX sent this fax XX/XX/XXXX I have been trying to get this off since XX/XX/XXXX, This is affected my score. I really want this off. I do not owe them. I can send a fax to show you the XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I thought I was ordering XXXX free credit report from Transunion. I provided my credit card number as requested to verify my identity. I never saw information about a charge for additional services, but XXXX charges showed up on my credit card bill, XXXX for {$1.00} and XXXX for {$21.00}. When I called customer service I was told that I had ordered a " free '' trial membership ( for {$1.00} ) and when I did n't cancel it within 7 days, I was charged {$21.00}. I never knew I ordered this. The rep referred me to the " escalation department '' who cancelled my " membership '' but refused to reimburse the amount charged. The rep told me I used the wrong website to get my free report, and it was n't their fault. Very deceptive. I now see there are lots of similar complaints online. I never thought to check them out before doing business with them. I thought being XXXX of the XXXX credit reporting agencies to which we are repeatedly referred to check for identify theft, that it would be a reputable company. Clearly not. Can anyone stop them from deceiving others?

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 09-01-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with ASTORIA BANK (VA).
Issue: Loan modification,collection,foreclosure

Complaint: To Whom It May Concern : This letter is an explanation of why we are requesting a short sale of our current home to Astoria Bank. My spouse was laid off due to a reduction-in-force from her job in XX/XX/XXXX. When this occurred I requested a deferment of payments for a few months and a loan modification to be applied to the end of my mortgage loan. The request was denied even though I had given Astoria all the necessary information requested ( hardship letter, pay stubs, bank statements, taxes, budgets, bills, and letters of explanation ). To further increase the severity of our financial situation at the time we had a rate adjustment on our current loan, which increased the mortgage by additional {$1500.00} dollars. 

Since then my spouse has been unable to find steady work and has been taking temp jobs to try and assist with helping to make ends meet. We did not think that it would be this difficult for her to find employment which would sustain our household, but it has. We have drained our bank accounts checking and savings to almost non-existence and have only been able to make payments up until this point by borrowing from friends and family to help us make our mortgage payments and to make ends meet. 
Early XX/XX/XXXX we pursued the short sale avenue, received an offer on our home and have submitted a short sale package again to our mortgage company Astoria Bank, which is trying to use deceptive practices to deny this transaction, by requesting the same paperwork over and over again. They are coming up with reasons to deny the short sale, which we will have no course but to continue down the foreclosure route. We have provided ( hardship letter, paystubs, bank statements, taxes, budgets, bills, letters of explanation, and two years ' worth of data ) and they still request more and say the package will be denied. 
We can no longer support the payment with XXXX steady salary in our household. This has been great financial burden on our family and very stressful time in our lives. Our household incomes as I have mentioned before has been reduced of 46 % of take home salary and an increase of 80 % on our mortgage loan, with another pending adjustment coming. We are customers in good standing currently with this bank, and have never missed a payment, but this has now come to where we have drained every dime. We tried to get the process completed before our bank account became empty, and a year later Astoria is being very difficult ; The bank drawing this process out seems as if they want to force our offeror to withdraw and force foreclosure which makes no sense to us. Our realtor says they have never seen anything like this ever, and believe Astoria is being deceptive in their practices. Please let us know if there is any action we can take as consumers against such practices.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have hard inquiries on my credit report that I did not authorize. The hard inquiries are XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ) also (XX/XX/XXXX ), ( XX/XX/XXXX ), and ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX XXXX XXXX ( XX/XX/XXXX ). They are all unauthorized hard inquiries. I have contacted all credit bureaus to get the inquiries removed but they have yet to be removed from my credit report. I was told that there was nothing that could be done by one agent at transunion. I simply want these inquiries removed from my credit report with all credit bureaus.

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 09/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I disputed and requested validation with at least 30 days to investigate. I also advised them that if any action is taken which could be considered detrimental to any of my credit reports I would seek legal counsel. It has now shown up on my credit report, and I have not received any verification.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: With the previous assistance of the CFPB, Navient agreed to allow me to enter into a repayment plan at a lower interest rate with lower monthly payments due to economic hardship. My economic hardships resulted from being unemployed and no offers on the table at that time. The repayment plan was that I was to pay {$340.00} per for the next year at 1 %. If at any time I did not make a payment on time Navient had the option to remove me from the payment plan. The payments were to be automatically deducted on the XXXX of each month. The first payment was due XXXX, 2015 and the funds were taken out XXXX XXXX, 2015. The second payment was due XXXX XXXX and the funds were taken out on XXXX XXXX, 2015. The XXXX pay, likewise, were due on the XXXX but this time they were not automatically deducted from my account on XXXX XXXX, 2015. When I contacted Navient I was told that I had defaulted on my account and that I no longer had a payment agreement with them. 
At first I thought it might have been a error on my credit union 's account because the funds were in my checking account and available for withdrawal. I explained to the representative that it had to be a banking error because the funds were there. He stated to me that that did not matter and that my repayment plan was now void since Navient had not been paid on time regardless of whose fault it was ; since it was a new month and I had not notified them by the last day in XXXX. He also stated that I maybe be able to get into a new repayment plan but it would be more than my original plan. I notified my financial institution of what had happened because of the error with my account. It was then that it was brought to my attention that Navient had not attempted to withdraw any funds from my account on XXXX XXXX, 2015 per our agreement. After checking my account statement I checked my Navient account. Under the correspondence there are two documents stating that I am delinquent on my loans. The are dated before the XXXX loan installment was due. I did receive a message stating that if I do n't enter into a different payment plan or pay the past due amount this month my account would be placed into bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This company has put a almost {$8000.00} debt on my credit and I was never notified about owing the hospital anything this has caused my credit score to be affected really badly

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have informed XXXX about fraud and identity theft on my account on XX/XX/2015.I send many letter to XXXX and credit bureaus to inquire incorrect items.Its still showing negative item and my job was declined.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Debt collection (I do not know) with Midwest Recovery Systems (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Looked at my credit report onXX/XX/XXXX and noticed a new account. The account is under MIDWEST RECOVERY SYSTEMS. I called the number today XX/XX/XXXXand spoke to a representative and he informed me that the debt is for a payday loan that I took out in XX/XX/XXXX from a company called XXXX XXXX in XX/XX/XXXX. I have never heard of the company nor did I take out any payday loans. The representative told me that e would do a debt validation letter and I should receive a letter in the mail. This company has contacted me before claiming that I owed another payday loan from another company a year ago that I disputed and I had it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Consumer Loan (Installment loan) with GreenSky Trade Credit, LLC (TN).
Issue: Problems when you are unable to pay

Complaint: A salesman came to my house to sell me Solar Panels. I told him I was interested. He insisted that I take a loan from this company. ( GreenSky ). After he left I calculated the money I would be paying. I cancelled the loan before any money exchanged hands. I then called XXXX and cancelled my order. The sales man said that I would be liability for the loan. GreenSky sent me a bill for {$12000.00}.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NC).
Issue: Problems caused by my funds being low

Complaint: My complaint concerns : Bank account fees all credit and retail cards. It is a disgrace that the banks and retail are making money by charging high over draft fees. All charge XXXX . I had to cancel my bank account because of those fees. It cost me! XXXX of my social security check. I had made a mistake when I used my on Line Banking account with Wells Fargo. I also had a problem with Target. That overdraft fee was XXXX dollars because my last payment arrived on time but was a dollar short. Needless to say I cancelled the card .and paid them off. We are in a depression. Banks and retail love it. They make a lot of money with it, in today 's times. The lower middle class is suffering enough, and all the poorer folks are really suffering. The outrageous fees are not helping any one except the banks. Yes they all have a one time grace period but after that, there is no reversal of fees. They are making XXXX dollars. This system is a self defeating cycle. 
This issue needs to be addressed. Who decided that fee, and why is there no competition among banks to make it lower? I can only hope more people like me make a complaint in order to change it. 
XXXX XXXX, XXXX NC 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 09/20/2015 about Debt collection (Medical) with AmerAssist A/R Solutions, Inc. (MD).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: Original debt is from XXXX XXXX XXXX dated XXXX/XXXX/10 in the amount of {$250.00} and is now a dead debt. AmerAssist A/R Solutions purchased the account for collections and has placed it in the credit bureaus with inaccurate amount of {$410.00} and a date of XXXX/XXXX/10. I have tried getting this corrected through the credit bureaus with no success.

Company response to consumer: Closed
Consumer complaint received 03/29/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My complaint is against Midland Funding , LLC. I question whether they really own this debt. I now have a judgment because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Payoff process

Complaint: Care Credit Card - Used for Pet, Vision, Medical, etc .... 
In XXXX, we had a series of unfortunate mishaps. We had to take our cat and dog to the vet on separate occasions. We have bills totaling over $ XXXX. The Care Credit card allows options for deferred interest if you pay within the promotional deadline. In multiple cases we selected 0 % for 12 months. Each month our bill provides the monthly balance, deferred interest, and when the promotional date expires. 
My concern is deceitful and misleading payment processing. 
For example : Charge # 1 - Expires XXXX/XXXX/XXXX with a balance of {$4000.00} Charge # 2 - Expires XXXX/XXXX/XXXX with a balance of {$5000.00} I will pay {$500.00} to charge # 1 to avoid interest. Care Credit is not applying the full payment to charge # 1. Instead they are applying portions of the payment as they see fit. A consumer paying {$500.00} naturally wants to pay down charge # 1. There is indication in their payment system that says otherwise. A consumer believes all of the {$500.00} payment is being applied to charge # 1. 
Care Credit has been deceitfully spreading out the payments among the multiple charges, which then makes the consumer default into interest charges. This is not only wrong but a bold face lie since there is nothing indicating/differentiating payments to multiple charges. 
We have never been late and always pay on time. I am angry because we have multiple charges we have been trying to pay off, only to see that Care Credit is lying to their customers about payment distribution. 
We expect an inquiry to be made and restitution to all customers they have been cheating for a long time. I have no idea how many years we may have been paying interest believing we were paying our promotional balances on time. 
Shame on you Care Credit for your deceitful practices!

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (TX).
Issue: Making/receiving payments, sending money

Complaint: I elected to start using PayPal for most of my online purchases and I chose the option to have the purchase go to my XXXX credit card account. That worked just fine in the beginning. Then one day I started to receive e-mail notices that my PayPal account was past due. I could not understand this because my purchases were supposed to go my XXXX card account, where I could pay them off each month. As it turns out, I had XXXX purchases that went to my " PayPal Credit '' account. I knew I had a " PayPal '' account, but I did not know I had a PayPal Credit account. At any rate, I contacted PayPal about the matter and I paid them for the XXXX purchases I made, but I requested that they waive the Finance Charges and Late Fees. I asked them to close my account and told them that I would not use their services to pay for purchases. 
Evidently, these request to close my account and waive the late fees went completely unheeded. I have read about PayPal being sued by Consumer Financial Protection Bureau about this exact matter XXXX XXXX 2015. My transactions were in XXXX 2015, so that should have stopped their deceitful practices long before.

Company response to consumer: Closed with explanation