milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/29/2017 about Vehicle loan or lease (Loan) with TD BANK US HOLDING COMPANY (CA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I have been making automatic payments on my auto loan with TD Auto Finance since I purchased my vehicle last year. My payments have always been on time and in full. 
The bank account from which automatic payments are drawn was compromised, so I had to change bank account numbers. 

I disenrolled in automatic payments prior to my XXXX 2017 automatic payment and instead made a one-time electronic payment for my usual amount of {$300.00} on XXXX/XXXX/2017, my usual payment due date. The payment was incorrectly applied to " principal only '' and not to the actual payment due. I have been assessed a late fee of {$15.00}. 

I do n't know why my payment was applied to " principal only, '' but that was not my intention. 

I asked that the payment I made on XXXX/XXXX/2017 be applied correctly and that the late fee be removed from my account. The customer service representative explained he could make the request to change the application of my payment and to waive the fee, but he was uncertain as to whether or not this could be done. He refused to give me the contact information of the people who would actually make the decision. 

I have attached two documents : 1. my bank statement showing an electronic withdrawal of {$300.00} posted on XXXX/XXXX/17 2. my TD Auto Finance statement showing the correct payment on the correct date incorrectly applied to " principal only '' and not to " payment ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/15/2016 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: My home mortgage was sold without warning by my local bank ( XXXX ), to a national mortgage loan service company, Bayview Loan Servicing LLC in XX/XX/2016. XX/XX/2016 I received notice from the XXXX XXXX 's office indicating that the taxes on my property had not been paid. My mortgage is calculated to include escrow for property taxes and home insurance. After numerous telephone calls, emails and postal mail, I have not gotten a response from Bayview and the taxes remain unpaid. It is the worst customer service I have ever experienced from any company in my lifetime. Each time I call, I get a different person who only gives their first name, and can not sufficiently answer any questions, nor even provide a supervisor 's name to answer any questions or achieve any resolution. I have received no response to my email or postal mail, both of which provided verification documentation of the unpaid taxes and the specific property parcels in question. It is unfair to pay a mortgage that is supposed to include enough to cover the property tax and insurance, only to have taxes go unpaid and accrue late fees. I feel that I must somehow find the money to pay the property taxes until this is resolved and then likely fight a new battle again to get the money back or have it deducted from future mortgage payments. I am current on my mortgage payments and have not been late. XXXX weeks ago I received an escrow analysis statement indicating that I needed to pay {$340.00} in order to account for a shortage. I mailed in a check for that amount on XX/XX/2016 and I have not received any acknowledgement of that payment. I believe this company is customer-unfriendly and unresponsive to questions or concerns. There is no acknowledgement email return, no call back and no response to postal mail.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Credit reporting () with CAVALRY INVESTMENTS, LLC (TN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have a dileguincy on my credit report from Calvary Plc I contacted them and they sent my to XXXX of XXXX Tennessee I pod my bill over a year and a half ago and they never sent the court system a satisfaction of judgement no one can explain to me how to get this off my credit report XXXX ca n't do it and the court system tell me they do no report to credit burea I did my prt in paying and why has it taking over a year and a half sence the judgement for XXXX to send a satisfaction of judgement and how long will it take now until my credit report does no have this on it

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Debt collection (Medical debt) with Kings Credit Services (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX    XXXX    XXXX   XXXX   XXXX  opened date is  XXXX  this item I 'm not aware of was just given  to King Credit Services ad ded  XXXX  then given to   XXXX   and sent to  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 02-11-2016 about Debt collection (I do not know) with Commonwealth Financial Systems, Inc. (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This number calls me at least 4 times a day. 
They usually hang up. So I, called back and requested information on this debt. He hung up once i asked. 
I called back and asked they stop calling me. It was around XXXX XXXX. He told me pay your debt and was very nasty. Yelling cursing and carrying on.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Credit card () with CITIBANK, N.A. (OH).
Issue: Advertising and marketing

Complaint: I had applied for AT & T XXXX XXXX Credit card from Citibank ( XXXX ) and the same got approved on XXXX XXXX, 2015. The card has an annual fee of {$95.00} and it has an offer related to reimbursement of upto {$650.00} incurred towards purchase of new cellphone from AT & T provided new user spends {$2000.00} within 3 months. However, AT & T ( Both online and Physical store ) has declined to honor the offer citing obscure reason that they are not sure about my identity ( they can issue me a credit card nonetheless ). Even citi bank has not stepped into resolve the issue even after multiple complaints. I feel I have been cheated by the fraudulent advertisements of citibank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: I have been arguing with Bayview Loan Servicing company since they took over my loan. Most of the issues are regarding payments being recorded to account late. Until now I have been making electronic payments through my checking account. For months they have been adding small fees here and there. The representatives at Bayview I have spoken with have been rude and in most cases unable to accommodate my requests. When I question charges they often times do n't understand the codes are fees. Recently, finally, I was able to receive a detailed statement going back to when they took over the loan. It is so confusing I have no idea what they are charging me. My account has been in good standing all along and this company 's representatives feel they are in the right even when they ca n't explain what they are doing. Most recently I was told fees would be credited if I agreed to sign up for their automatic bill pay 2 months ago. I have yet to see past fees credited. Now I see new unpaid fees. 
Where do I get answers? 
If there is anything you could do to help me find out what I am being charged and what the fees are I would appreciate it. 
Why are they charging all these fees? 
Did I agree to it? Are they within their rights? 
This is the worst lender I have ever dealt with in my life. I feel they are not being transparent. 
Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (MI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have two collection notices from two different collection agency trying to collect the wrong amounts for XXXX XXXX. I attempted to cancelled the services with XXXX XXXX cause I switched carriers on XX/XX/2017. I went to XXXX. XXXX XXXX claim they couldn't cancel my account because XXXX was attempting to port my number and they can only suspend the account so I wouldn't get any additional charges. Well that didn't happen they continued to charge me when I was with XXXX and decided to use XXXX number instead of porting my number from XXXX XXXX. Now I have two different collection agency trying to collect for XXXX XXXX while this is in dispute.

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 02/26/2016 about Debt collection (I do not know) with Element Global Services (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Started XXXX/XXXX/2016 at XXXX XXXX ( my caller ID on my phone showed that it was a XXXX NC call ) It was pre-recorded message on a man talking very loudly about 'settling your debt now. ' My mom answered the phone as I was n't home. I tried calling the number back, I heard what sounded like bongos being played and obviously someone picked up because I heard a wicked/evil type laugh, then I was hung up on. XXXX/XXXX/2016 at XXXX XXXX, I get a call, the same number and same caller ID information as from the last call-the man was caucasian and very loud on a prerecorded message saying 'this is your final opportunity to settle your debt at XXXX % off, press 1 now to speak to a representative. ' I pressed one, another recorded voice said to press 1 again, so I ended up pressing 11 ( I wanted to see for myself what kind of company or who they were trying to get ahold of, etc ) and it rang and then hung up. The strange/scary thing is, I DO NOT have any debt and no collection agency is after me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TN).
Issue: Other

Complaint: Have stated to Capital One numerous times that in XXXX of 2016 they had issues with their website not to mention that I had an incorrect address on file. My payment was not accepted and they then reported on my credit report that I was 30 days past due though they refunded my fees because of this. Every single time I call I get XXXX and I am not sure they even understand what I am asking. This is my last resort to report them to remove this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I 've contacted Nationstar Mortgage on a number of occassions regarding my escrow account. Specifically, I am concerned that I am being charged mortgage insurance due to Nationstar 's negligence. The negligence is based on the appraisal that they ordered at the time I re-financed my mortgage. I understand that they contract an appraiser that is independent from the underwriting process, however, they should have qualified individuals on staff to determine if the appraisal they are considering is appropriate. First, Nationstar has a lien on XXXX separate properties with separte property index numbers. The appraiser combined XXXX properties and valued it as XXXX. By combining XXXX properties, the comps used to determine a value were not similar to my property. An additional issue was that they used foreclosed properties as comps. This type of property was not an indication of market value but distressed value. I 've researched this issue and it is in contravention to prudent appraisal guidelines. 
What is especially troubling is that the customer service departments ( general customer service, escrow department, etc. ) are not helpful and do not have the knowledge to handle my inquiry. After an over-extended period of holding, being transferred from department to another, and not knowing what " mortgage '' insurance is -- I somehow get disconnected. Regarding mortgage insurance, they continue to think that I am referring to property insurance. 
I understand that mortgage insurance is required on loans with an LTV higher than XXXX %. At the time I purchased my property this was, in fact, the case. However, the values are not being properly reflected. I have asked for another appraisal - one that values each property seperately and uses like-kind properties as an approriate comp. 
In my last contact with Nationstar, they informed me that I would be contacted by some representative from the appraisal department. I asked if this individual was an employee of Nationstar or an independent appraiser -- they were unable to discern the difference.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I pulled my credit report from XXXX, XXXX and Trans Union and an unauthorized entry from XXXX. I have contacted the company via certified mail for validation of this account that was signed and delivered on XXXX XXXX, 2016. XXXX has yet to send supporting documents bearing my signature. I attempted to contact the company again via certified mail that was signed and delivered on XXXX XXXX, 2016 ; no response. Due to the lack of communication, I then contacting XXXX, XXXX and Trans Union regarding this account and they have yet to provide any validation regarding this unauthorized account. Trans Union did not honor my request of validation ; yet the credit file under my social security number has been marked as verified. This entry must be DELETED from 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 02/21/2018 about Vehicle loan or lease (Loan) with BMW Financial Services NA, LLC (LA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: In XXXX of 2015 I purchased a used XXXX XXXX. after making 3 payments I was asked by XXXX to start making my payments through XXXX XXXX. Now It has been 18 months later and they sent someone to repossess my car. I have made the payments and they don't have them and I contacted XXXX XXXX and they said that XXXX did receive them. Now I am to turn the vehicle in or contempt charges will be filed against. I have made my payments the payments but no one will listen to me. Please help me resolve this matter. I have contacted XXXX XXXX and they have sent me to XXXX Remissions. It is quite ironic that their post office box is in XXXX, KY and so is the mailing address of 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 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
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: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (FL).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: I have had a Lowe 's ( XXXX XXXX ) Store credit card for over two years. Never been late, always paid on time or paid my whole balance off, etc. I always had a credit limit of {$2400.00}. All of a sudden on XXXX XXXX, XXXX, they lowered my credit limit to {$100.00} and reported me " late '' to the credit bureaus. I was not late. I made a return that canceled out the balance due on my card. Lowe 's charged me {$1.00} interest for that month, but I did n't know it. I never got a statement for XXXX. It was during Hurricane Irma. I live in XXXX florida. Mail was lost, we were without power for 2 weeks. No internet, etc. So it is understandable that the bill got lost. However, I figured that I did n't have anything due because of my return. I never received a statement for XXXX XXXX either, but I am applying for a mortgage and the lender told me Lowe 's had flagged my account for 30-60 days past due! I logged into their website and they charged me a {$25.00} late fee for not paying the {$1.00} interest on a ZERO balance and then they decreased my credit limit by {$2300.00}. Abolutely UNACCEPTABLE. Now I can not get my mortgage until this is cleared up. I called and did online chat with two different people today. The last representative told me that it was Lowe 's error, they were removing one of the late fees and he was sorry but that is their policy to charge {$1.00} a month even if you have a zero balance currently if you had anything on the card at all during the month. Is that even legal? Can you charge someone {$1.00} interest on zero dollars???!! All of this After I received an email from Synchrony stating that no late fees would be charged to victims of Hurricane Irma because they " care about their customers. '' I figured I did n't need it because I did n't carry a balance over. Guess I was wrong because they charged me a {$25.00} late fee for their {$1.00} in interest on a {$0.00} balance. What a load of 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 12/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was stunned when I reviewed my XXXX, XXXX and XXXX credit reports and saw that I was reported as having a late payment on the date below : 30 days past due as of XXXX XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this happened, I thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Debt collection (Non-federal student loan) with SLM CORPORATION (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Sallie Mae continues to call me every hour on the hour for an account 30 days past due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Problems caused by my funds being low

Complaint: I am in the process of closing my BBVA Compass chequing account since I had acummulated a negative balance of {$160.00}, But I still will like to pay BBVA Compass hopefully in small installments.The reasons for this are as follow : Between XX/XX/XXXX and XX/XX/XXXX my BBVA Compass chequing account had been charged four times with non sufficient funds each time around {$38.00} fees.Of all of those only one was for a real writting check, the rest were electronic payments.Althought I must admit that when all these transactions were paid by BBVA Compass it seemed practical since I did not had to face the payee going after me.But then later I realized few issues with the way BBVA Compass exercise this service on my account for instance there was no a call, email or mailing letter informing of my account been over draft ; all this time I had have exporadic access to the internet and a few years ago BBVA Compass force me to relinquish paper statements.Also in the year 2013 I remember walking to my neighborhood BBVA Compass branch located on XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX and sat with one of their employees at that time to ask for a removal of overdraft protection from my account.I Know could bear my mistakes, but all of these non suficient funds fees were for paying my XXXX, my mechanic, my car insurance and my phone company even some of the bills were for {$5.00} ; had BBVA Compass honored my request of a few years ago all of my payees would be more lenient and cheap.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
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: Account XXXX XXXX XXXX Account # XXXX opened XX/XX/2008 is being reported as a adverse account with a past due status the account is now current and is in good standing with no balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2016 about Credit reporting () with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Contacted Experian after getting a credit report from XXXX XXXX showing my Social Security Number for only their credit reporting agency was completely wrong. This caused a lot of negative reporting items to show up on my credit report and is keeping me from closing my loan. I sent proof of social security and my identification as well as a form from the social security administration. They claimed it would be taken care of immediately. I have been trying to get it resolved since XX/XX/XXXX. My loan is clear to close and still it has not changed with Experian and I am not able to close my loan. this is causing me financial distress. I have called in to Experian and have had my loan officer as well and each time they claim it will be fixed. When I asked them to send me proof its been changed they tell me they will send it and never do. I need this resolved right away!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief