milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/22/2015 about Credit card () with Continental Finance Company, LLC (CA).
Issue: Delinquent account

Complaint: Continental Finance -- Verve credit card Since opening the account in XXXX 2014, Continental has regularly charged late fees to my account and reported my account as late to the credit bureaus when that has not happened. Initially, issues began when the card had to be re-issued because the card had not been received. Although, I had not received the card, Continental began charging me fees on the account. Late fees on a card that I did not have! 
Since that time, I have been charged a late fee each month. This account is setup on bill pay through my financial institution. I have this account setup so that payments are received by Continental at least 2 days prior to the due date and I always pay more than the minimum amount due. My financial institution has confirmed that payments have arrived as requested each month. I have noticed that it takes Continental approximately 6 days to process my payment. According to Continental, because they have not " processed '' the payment on or before the due date -- regardless of when they receive the payment, they consider the payments to be late and as a result, they are entitled to a late fee and can -- and do -- report my payments as being " late '' although the payment was received by Continental at the address as indicated on my monthly statements BEFORE the actual due date. 
I have never heard of a company considering a payment as being late when the payment was received in their offices BEFORE the due date because it takes them so long so process the order and do not feel I should be regularly penalized for internal payment processing issues at Continental. 
Continental also charges interest on late fees ... late fees that they refuse to refund. My balance due on this account is a result of late fees and not actual purchases.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (TX).
Issue: Trouble during payment process

Complaint: Our home flooded during XXXX XXXX. Insurance gave us a {$40000.00} advance, which after many phone calls, CitiMortgage released to us. Our insurance settlement of {$240000.00} was granted in XXXX. Since we had a {$40000.00} advance, we mailed CitiMortgage our check for {$200000.00}. Although we sent the check XXXX weeks earlier, CitiMortgage shows receiving it XX/XX/17. After many phone calls they released {$47000.00} to us on XX/XX/17. I then spoke to XXXX on XXXX who told me the rest of the money would be released and overnighted that week. The check never came so we called back and were told the request " kept getting bounced back ''. I then spoke to XXXX who explained to me that they are holding {$150000.00} which they refuse to release to us until we are 100 % complete. I have called and spoken to XXXX many times, and they are firm on this because our original contractor 's bid was for much less than it has ended up costing. I have uploaded cancelled ( paid ) checks but they still refuse to release the money, even after we had an inspection showing 90 % complete. We then finished everything structural ( counters, cabinets, etc. ) and had another inspection. That inspection again showed 90 % complete which does not make any sense as all that is left is paint - in fact we are moving home this weekend. I can not make my final payments to the contractor as we have been paying out of pocket all along but CitiMortgage isn't releasing the money, so we are out of money. Today, I spoke to XXXX who again asked for an " exception '' to release {$100000.00}, but I have asked for this multiple times and never received ( and never received a phone call stating that I wasn't getting it, I keep having to call ). I also asked for another 100 % inspection.

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 04-12-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (NV).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I made a agreement to pay debt but not own the debt. I ask could they put my agreement in writing and they refuse to but in writing what I agree to pay them because they say it is they company policy not to give a written agreement. It also is not the amount that they company wanted from they phone company the asking me an amount more than what they claim i owe

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Debt collection (Medical) with Professional Recovery Management (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Fox Collections has refused to provide enough information for me to certify this debt belongs to me. I requested Validation of this debt ( Acct # XXXX XXXX ) and my letter was received by Fox on XXXX XXXX 2015 by certified mail. Fox sent me a letter stating that they had verified my name and address ... nothing else sent. I have attempted to contact the original creditor on file, but they are now out of business and the new company is not servicing their old debt, nor has any record of it. 
Validation request was dated XXXX XXXX 2015 and Fox received it on XXXX XXXX 2015 ( see validation letter attachment ). Fox 's response was received XXXX XXXX and contained no detailed invoice and simply stated my name and the amount owed ( see attached evidence ). After speaking with the representative on the phone I was informed to sign and send in the authorization form at the bottom of the letter they sent. I did so on XXXX XXXX and still have received nothing in the mail. While speaking with the representative I located what I thought might be an EOB relating to the debt in question. The Fox representative and I both agreed that it was not and this EOB did not relate at all to the debt in question. I sent in a second validation letter dated XXXX XXXX 2015, received by Fox on XXXX XXXX 2015 at XXXX ( see attached USPS return receipt and XXXX validation letter attachment ). I have yet to receive a response to this letter. After reviewing Fox 's response and evidence to my XXXX complaint I can only concur that I was correct in my initial evaluation of this alleged debt not being mine because they can not provide me with further details from the actual company. The attached evidence that Fox provided on the XXXX website is from there own files and not the alleged original creditors ' database.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2015 about Credit card () with PAYPAL HOLDINGS INC. (PA).
Issue: Unsolicited issuance of credit card

Complaint: Paypal issued me a credit card for which I did not apply and began charging late fees even after the initial charges were paid. I did not request the credit card and they continue to charge late fees on an " outstanding balance '' that consists of monthly late fees, not purchases.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/15/2015 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (WA).
Issue: Loan modification,collection,foreclosure

Complaint: After XXXX complaints to you, I received a letter stating that US Bank would have a decision/approval for the short sale by XXXX. It is now XXXX and the file has n't even been reviewed by a negotiator. My XXXX lien approval expires XXXX and I needed my approval from US Bank by XXXX in order to close on time. I have left numerous messages for supervisors and have had NO return call or email.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Bank account or service (Checking account) with KEYCORP (NY).
Issue: Deposits and withdrawals

Complaint: Back in XXXX, XXXX, I had a judgement filed against me where the bank put a levy on some funds in my account ( {$920.00} ). A couple of days ago, XXXX, a XXXX XXXX served Key bank with papers to have those funds transferred over to them. Instead of Key bank transferring the held funds, they took out money directly from my bank account ( {$960.00} ). Key bank has confirmed the first held funds are still sitting there waiting to be transferred and I have confirmed with the creditor that they sent the paperwork to the bank to have the held funds transferred over and nothing more. On top of that, Key bank with drew funds from protected funds ( I collect unemployment ) and also took it from an account that had less than the NY State protected amount per the XXXX law of {$2700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have sent a letter regarding identity theft and disputing the following accounts and I have yet to hear back from the credit bureau.
I am a victim of identity theft and have included a police report with this dispute. Items I am disputing are : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 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 non-monetary relief
Consumer complaint received 07-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (CA).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: My account with Synchrony was opened for {$1500.00}, because i had major transmission work done and did not have enough credit cards to spread the enormous expense over. They offered 12 months of interest free payment ( 30 % deferred APR ). I was paying down, on the average more than the minimum, on a monthly schedule. On X/XX/2017 after 12 months and a balance of {$780.00}, had expired i was hit with a {$450.00} interest charge. Now my balance went up to {$1200.00}. I immediately called them and asked why did they do that and they said that it was in their contract, which i never read since i opened this card at XXXX transmission and all i had to do is sign. I never had or had the opportunity to read any contracts. Also, no one ever discussed or disclosed that the interest will balloon at end of 12 months. I asked to talk to their supervisor or someone higher up the org-chart and they said i need to call next business day. I called several times between late XX/XX/XXXXand XX/XX/XXXX. Each time they put me on very long hold times 1.5hours or longer as i tried to get in touch with their supervisor to explain what is going on. Last time i called and asked to pay off the original debt and was put on hold again for well over 2hours. I do not have time to wait on the phone for unreasonable amounts of time as i need to work and have responsibilities. I called all 5 of my other credit cards and all the banks said that after their deferred APR expires normally the regular annual APR kicks in. There is NO Ballooned interest with any of the other credit agencies. I believe this bank is practicing unethically and possibly criminally. I want to pay off my original debt in one lump sum and be done with it. <P/>Please help!!!! <P/>Thank you. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX 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 monetary relief
Consumer complaint received 09/23/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Have put XXXX on even after power and utilities commission told them to take off Then put att back on and refuse to take off even thou its thru another company that is not original debiter they have refused for 4 years to take of lates of XXXX/XXXX/XXXX / XXXX and XXXX late payments even thu i have sent them all documents proof many times over they show my student loan twice and that it is not paid off XXXX owed they show half of credit limits and have XXXX limits and XXXX balance they XXXX limit and up to XXXX balance that they need to send all companies over the last 4 years new credit reports with an apology to me and company for not complying to federal and state regulations. 
That they have had information and letters rom fed and state agencies sent to them many times over and they take off then put right back on when they no better and have cost me XXXX in time copies certified mail and countless complaints over and over for the same thing for years Consent to publish the description of what happened? Consent not provided Supporting documents

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 04-10-2015 about Consumer Loan (Vehicle loan) with Oxford Law, LLC (PA).
Issue: Problems when you are unable to pay

Complaint: I have been receiving relentless phone calls from a company that call themselves " the law firm '' upon a search of their telephone number I have found that their true name is oxford law firm and they are a debt collecting company. They have threatened to show up at my home and job and have now began calling and harassing my family members daily. When asked to provide a written legal document regarding the supposed debt I am told an email will be sent ( although I am requesting mail ) but one have never been received. I am told in first call that I have 30 days and following calls that I must pay full balance of supposed debt immediately or my file will be signed off on by the office attorney.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: In XX/XX/XXXX I received a targeted offer from Delta   to receive XXXX Delta Skymiles and a {$50.00} credit by applying for the American Express Delta Skymiles Credit card. 
The provision was to spend a minimum {$1000.00} within the first 3 months in order to receive the miles and credit and to have the account in good standing. They require 8 weeks to award the miles and credit. 

I received the credit card in XX/XX/XXXX. The spending was requirement was quickly met within the first month and the account balance always paid in full on time. 

It is now almost XX/XX/XXXX ( 6 months ) and after 4 dialogues with American Express, they still have not awarded the miles. Even elevated to management they say " they - some remote awards center '' are working to resolve it. Each dialogue results in a note being sent to the department that awards miles and that it will take another 24 business days to cycle. 

This is a clear case of shenanigans. I believe American Express could resolve this quickly if they chose to and probably wish consumers would just give in and forget about the miles.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Consumer Loan (Installment loan) with Sierra Credit Corp (CA).
Issue: Managing the loan or lease

Complaint: I had gotten a loan from Sierra Credit in XXXX, CA i let the car go resulting in my credit getting hit. Eventaully they brought my score way down and i decided to contact them and pay them to have them show im paying the loan. XXXX said i would see a difference in XX/XX/XXXX. I payed them since XX/XX/XXXX only to see they keep updating my credit as negative. I have receipts that im paying but they keep hurting score, i have tried contacting them to speak to XXXX and the representives tell me i will get a call back. This was over a month ago. I refuse to pay more money to this company as they are hurting my credit score regardless if i pay them or not. I wonder how many individuals theyve done this too already. I have not and will not pay until i receive a call, which the neglect to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-12-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I recently sold my home. The buyer 's loan was through Wells Fargo. On the date escrow was to close, nothing happened. I was n't notified and my realtor was n't notified that escrow was going to be delayed for two weeks. In the mean time, my husband had taken three days off of work, we hired a moving company and we spent a lot of money we did n't have to had we been notified that the close of escrow would be delayed. For the next two weeks, we were unable to pay bills and suffered a lot of stress due to the financial pressure their lack of communication put on us. When we confronted them about it, they apologized and accepted full responsibility. They then backpedaled and said they could not discuss it with us because of confidentiality ( we wanted to discuss their lack of communication ; not the reason escrow had been delayed ). Since then, it has been like talking to a brick wall. I feel that large companies like Wells Fargo should be held liable when they fail to communicate something as important as a two week delay to escrow closing. Maybe two weeks without being paid is n't a big deal to them but it was a very big deal to us.

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 04-02-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Delinquent account

Complaint: In XXXX, Bank of America errouneously debited our checking account prior to the due date, and cause our accounts to overdraft, and they ended up charging us off for a MISSED PAYMENT. BOA messed up. BOA REFUNDED overdraft fees that incurred in our personal checking. BOA was supposed to refund payment. BOA only refunded payment AFTER the payment DUE DATE of XXXX/XXXX/XXXX. BOA then continued to take AUTOMATIC DEBIT withdrawls on the last day of the month until the account was paid in full. However, they also charged us off due to the missed XXXX XXXX payment, which BOA refunded AFTER the due date. We complained CRA 's. Bank of America " verifies '' info and CRA says they cant update without permission from credit grantor. We complained to the XXXX in XX/XX/XXXX, at which point Bank of America responded on XXXX/XXXX/XXXX saying the info was correct. They had many facts misrepresented, and the author of the letter, XXXX XXXX, HAS NEVER RETURNED A SINGLE PHONE CALL although she states we can contact her to discuss any issues AND XXXX XXXX says " BOA does not manage my credit report '' and that they cant fix it. XXXX XXXX also says we were " pleased with the outcome ''! I have attached the phone records showing our conversations, and I have attached the bank records showing that the refunded was provided to us AFTER the XXXX/XXXX/XXXX due date, which means they posted in XXXX XXXX. Bank of America has completely ignored the 50+ attempts since XX/XX/XXXX that we have made to get this resolved. XXXX XXXX says we can contact her yet she has never returned a single phone call ( she states to call her in the letter ). WE NEED HELP and WE EXPECT someone to review the REAL FACTS of this issue. Once reviewed, we expect Bank of America to contact all CRA 's and to have them update our account to 100 % paid as agree and on-time. THE CHARGE-OFF should be removed. This is the final notice prior to legal action being filed. Thank you for your help. ALL FACTS ARE ATTACHED INCLUDING the " Master Dispute '' which contains over XXXX of documented evidence proving BOA 's failures to rectify this situation.

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 12-12-2015 about Credit card () with CITIBANK, N.A. (TX).
Issue: Transaction issue

Complaint: I have a Macy 's credit card for which I automatically debit a checking account to pay my monthly bill. I purchased furniture on a 12 month interest free promotion at Macy 's, which promised to bill me in XXXX equal installments. The furniture amount was over {$1400.00}. On the first monthly payment, Macy 's debited my checking account the full amount of the charge rather than XXXX of the charge as should be done on a 12 month interest free promotion. I asked Macy 's representatives if my auto-pay would make the promotion not work, and I was told it was not a problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Payday loan () with D2 Management LLC (CA).
Issue: Charged fees or interest I didn't expect

Complaint: D2 Management called my cell phone number and hung up so I called them back. CSR XXXX answered the phone and said " You owe for a cash advance and its for {$300.00}. '' I proceeded to tell her that I do n't owe it because I paid it off. She rudely responded with " I will put this on your credit and will let the company know you are refusing to pay it. '' Those were not my words. She hung up on me and I proceeded to call back. This time I got XXXX. She looked over my account and said I did not pay it off when in fact I did. I took out this loan in XXXX. In XXXX I paid off all of the advanced places I received a loan from. Making small payments while employed and unemployed. XXXX the let me know that XXXX was going to sue me UNTIL they saw the student loans on my credit report. She proceeded to argue stating that they will do a " hearing '' regarding my account. Its been 9 yrs and there has been no contact nor any letter. XXXX stated XXXX contacted me in XXXX and many phone calls and I hung up on them which is completely UNTRUE.

Company response to consumer: Closed with explanation