milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/24/2018 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (OH).
Issue: Trouble during payment process

Complaint: I pay my mortgage electronically I usually add an additional XXXX for principle payment every month. I paid and extra XXXX to principle in XX/XX/XXXX and noticed the payment wasn't applied correctly even though the system and payment method was abundantly clear when I submitted it online. I called to have to payment reallocated and asked them why it wasn't applied correctly they told me the system had a glitch and said since the payment was over a regular payment amount it just future pays instead. I let is go because I don't normally pay that much every month. I decided I wanted to try and start applying an extra XXXX every month I could so this month on XX/XX/XXXX I did that. The system once again applied it to future payments even though I clearly applied it correctly as stated in the correct fields in the online system. They are being deceptive in the practices for payments to hope that clients don't pay attention and they get more money towards interest verse the clients expectations on the principle balance they are trying to pay down on. I shouldn't have to call every time I pay extra and have them fix it. This is a shady company in my opinion. I want all my online payment to be applied correctly. The system states it can be applied up to XXXX so I'm not sure why it's not. When I call they say it's a glitch or I'm not applying it correctly and that is not the case. My email receipt reflects exactly how I applied it. But some how when I see how it was actually applied it's future posting and not being applied to principle. This is very deceptive. Please look into this and help find a resolution so every month when I apply my extra money to be rid of the shady company I'm not wasting my time calling every month to have my payments fixed which they hope people won't look so it's in their favor.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CO).
Issue: Problems when you are unable to pay

Complaint: Santander is reporting a profit and loss on my credit report for something that they repossessed and resold but I am being charged for the entire amount of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Balance transfer

Complaint: I transferred a balance to my  capital one credit ca rd in   XXXX   XXXX    . I went to look up the information on the end date to avoid paying interest and this information was not available online. It was also not available on my statement. Aft er two chat  sessions and a phone call, I was finally given this information. It is hidden for some reason and it is not acceptable. Capita l one seems  to be deliberately hiding this information or making it difficult to access for consumers. Maybe they are doing it to keep consumers in the dark about their balances and therefore they forget and get charged ridiculous interest rates. This information should be readily available to the account holder.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (UT).
Issue: Settlement process and costs

Complaint: A XXXX dollar home was built in our neighborhood. Prior to people moving in, the house largely burned down, creating a major eye sore for the entire neighborhood. This occurred on XXXX XXXX 2009! And, to date, XXXX XXXX Chase declines to assist in any way to facilitate in assisting the neighborhood clean up this ugly mess seen here on XXXX : XXXX NOTE : I have personally, as well as countless others in my community contacted Chase about help. They say they can not & will not talk to us about this, as we are not the owners. However Chase annually pays the property taxes, not to mention " other '' costs, so they have a financial interest in the property. They just do not care enough about the local personal property owners to bring this matter to a close or rectify it by rendering assistance to us!

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AFNI INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XX/XX/XXXX I sent a letter to XXXX XXXX XXXX which they received on XX/XX/XXXX asking for validation of a debt that tgrh stated I owed. XXXX XXXX XXXX was unable to provide that information because so they stated they would give the account back to XXXX XXXX ... Shortly after I seen that I now had a XXXX XXXX debr on my XXXX report through a company called XXXX in the amount of {$1.00}, XXXX in which I was never notified by XXXX via mail in reference to this debt, lastly I received a bill from a company by the name of Afni for XXXX XXXX with a debt amount of XXXX ... These companies has failed to provide any proof that this is my debt and XXXX XXXX keep selling my account to multiple people without any contractual obligation from me ... I asked that this account be removed from my report by XXXX, I ask that my information be taking from Afni system and not to be sold or transfered to any other company because they have failed to provide me with the audit trail of the said account ....

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Debt collection (Medical debt) with Debt Recovery Solutions, LLC (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: University XXXX XXXX has removed this debt from my credit before as a result of it being supposed to be paid for by XXXX XXXX XXXX XXXX. This was several years ago. Now Debt Recovery Solutions is reporting it and has not sent me ANY notification of the debt collection and has reported it to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 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: Equifax leaked my credit information. I am now forever vulnerable to be a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2016 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: APR or interest rate

Complaint: I had failed to make a timely credit card payment to Barclaycard XXXX XXXX. This was just a matter of forgetting to pay my bill. 
Received an email notification reminding me of my need to pay and that it was delinquent. My Account balance to pay was {$180.00}, due XXXX/XXXX/2016. My new statement with additional purchases of {$2700.00} arrived with a due date of XXXX/XXXX/2016. My new statement indicated a late fee of {$27.00} which is standard. It also had an interest XXXX of {$34.00} which is for the unpaid balance of {$180.00} and should not be applied to the new purchases until that payment is delinquent. So an interest charge of {$34.00} for {$180.00} equals 18.29 % for 1 month! or 220 % annualized. Check their math!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The information on the entry for the  Chase  account is incorrect. This account had been reflecting on  XXXX  for the last 5 years a Payment Status of " Paid '', and " Payment Status Details '' of " paid, was charge off ''. It also was reflecting a {$0.00} Balance Due of {$0.00}  ( " - '' ) an  d Past Due of { $0.00} " - '' ). The "  Status Updated  '' date reflected a date of  XXXX . I also received a  XXXX  in  XXXX  for the same account and recently requested another copy of the same  XXXX .     In early  XXXX  of   XXXX   I tried to get my mortgage refinanced and my  XXXX  credit report was updated approximately 4 days later by Chase to reflect an older "  Status Updated ''  date of  XX/XX/XXXX  In addition the Chase entry reflected a Status of " Charge off '' with a " Payment Status '' of " PAST DUE ", a P '' ayment Status Details '' of " PAST DUE '' amount '' of {$16000.00} and a " Balance '' of {$16000.00}. My  Credit Score  also dropped over  XXXX  Points and prevented me from refinancing my mortgage.     I immediately sent a credit dispute letter to  XXXX  indicating my Credit Report information was incorrect and out dated ( i.e. the older "  Status Updated Date  '' changed from  XXXX  with the correct information to a  " Status Updated ' ' date of  XXXX  with INCORRECT information. However, this dispute to   XXXX    resulted in no change to my credit report. I then called Chase directly and was forwarded to multiple departments and managers none of which were willing to correct my report or acknowledge it was wrong. They directed me back to the  Credit Reporting  agency  (   XXXX  for resolution ) I sent another dispute to   XXXX   with copies of the '' before '' and " after '' credit reports ( with  one  copy of the recent incorrect report and multiple copies of the correct report from that had been reflecting correctly for the last 5 years ) and a copy of the  XXXX  issued back in  XXXX  but got the same result. No correction updates to my  XXXX  report for the Chase account. This information remains out of date and incorrect.     This incorrect and out date report has prevented me from refinancing my mortgage, increased my insurance rates and preventing me from getting preferred credit in other situations.     Please Help me either get this  Chase  entry either deleted or updated back to  XXXX  out balances and past due amount. This entry is now  one  month from bein g 6 years old a nd had been reflecting positively with a  Paid Status, wa s charge off and  XXXX  past due for 5 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-09-2017 about Bank account or service (Savings account) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Deposits and withdrawals

Complaint: I have been banking with capital one 360 over a year now checking and savigs. Always had funds deposited by XXXX in my user names and never been a problem until XX/XX/2017 I received an email stating my account has been closed and was given a phone number to call. On XX/XX/2017, I spoke with Manager XXXX from customer service department and I advised him of the situation. Then he transferred me to security department. I spoke with XXXX and he advised that due to deposit names not matching they decided to close all my account and that the monies will not be released. They stated they not able to verify the usernames that was deposited into my account. Overtime I saved a total of XXXX in my capital one accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Debt collection (Medical) with Stanislaus Credit Control Service, Inc. (OK).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I was informed by my XXXX XXXX recruiter that I have an outstanding bill therefore, for days I have been trying to contact them to pay the debt so that I can clear my record and enter the military. I have called multiple time and left messages, i also sent a email.but have not received any reply, meanwhile I am unable to move forward toward entering into the military. See attachment..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/29/2018 about Debt collection (Medical debt) with MERCHANTS ADJUSTMENT SERVICE, INC. (AL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Back in XX/XX/XXXX, I became very ill with the XXXX. I went to XXXX XXXX   because I couldn't XXXX XXXX XXXX XXXX. I gave the hospital all my insurance and billing information. I never heard about me having any type of balance till XX/XX/XXXXafter running my credit for a home. The balance is {$230.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Credit card () with CITIBANK, N.A. (VA).
Issue: Credit determination

Complaint: I submitted a request for a Citibank credit card and was declined because they said I could not use my household income. I am a stay at home home with excellent credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/14/2016 about Debt collection (Credit card) with Total Card, Inc. (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call up to XXXX per day every day after I told them I have no income since XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I applied for and was granted a loan modification on the above Home Equity Line of Credit on XXXX XXXX, 2014. This process lasted nine months during which time I made interest payments as directed by Bank of America on time and in the amount requested. However Bank of America reported all XXXX of these payments as " missed '' to XXXX and XXXX which has severely impacted my credit score. 
I am requesting that these are removed from my credit report as it does not accurately reflect the integrity with which this loan handled. There is a big difference between ignoring a financial obligation and following instructions of a loan modification representative. In the ten years prior to the balloon date of my HELOC all of my payments were made on or before the due date and more than the minimum payment was made. During the modification process ALL of the payments were made on time and in at least the amount requested or more. 
The purpose of credit reporting is to indicate a borrower 's credit worthiness and commitment to repay their debt and I have made every effort to repay this loan in a timely and consistent manner and fulfilled all requests for documents during the modification process in 48 hours or less in an attempt to expedite that arduous process. 
This report has seriously impacted my credit score causing my homeowners and car insurance to go up substantially and I see no purpose in Bank of America damaging my credit score when I have fulfilled all that they required from me with this loan.

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 10-09-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Credit determination

Complaint: XXXX had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely 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 inquiries be removed. 
I have inquiries from XXXX XXXX XXXX XXXX. Dates XXXX, I have XXXX inquiries on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Capital One Bank XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX and XX/XX/XXXX. XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: OCWEN AND GMAC MORTGAGE ARE REPORTING NEGATIVE ACCOUNTS TO MY CREDIT REPORT. I HAVE NOTICED A NEGATIVE MORTGAGE ACCOUNT REPORTED BY OCWEN ON MY CREDIT REPORT WITH ALL XXXX BUREAUS. WHEN I REACH OUT TO OCWEN ASKING THEM TO VALIDATE THE ACCOUNT I RECEIVED A LETTER FROM THEM STATING THEY " NEVER ACQUIRED SERVICING ON THIS ACCOUNT '' AND THAT GMAC HAS FILED BK. IF OCWEN NEVER SERVICED MY ACCOUNT THEN THEY SHOULD NOT BE REPORTING IT TO MY CREDIT REPORT. LETTER BEFORE XXXX XXXX STATED THEY ARE REPORTING INFORMATION CORRECTLY.. ( ATTACHED PROOF LETTERS ) THIS IS A MAJOR VIOLATION OF FCRA

Company response to consumer: Closed
Consumer complaint received 04/20/2016 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Payoff process

Complaint: I set up an online payment of {$1500.00} for my Synchrony Bank credit card for XXXX XXXX and it cleared my bank soon after. I confirmed with both my bank and Synchrony the funds had been released/received. I am now being told that the funds will not be available for three weeks while they make sure my payment is n't fraudulent (? ). I was told it was because it was large and had it been for the minimum amount, no problem. Am I being punished for paying my card down? I offered to contact my bank to confirm the funds were not " fraudulent '' and was met with no interest to confirm.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with UNITED SERVICES AUTOMOBILE ASSOCIATION (MI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I contacted USAA to inquire as to why my credit card reporting status showed under adverse accounts on my XXXX  report.I was never late with the account. I was advised that the company closed the account and that is why it is reporting as adverse. I specified the company closed the account because I had to go through a credit counseling agency to get an interest reduction and the stipulation for the reduction was that the account be closed. USAA would not negotiate a lower interest with me even though I was not late. I was instructed to dispute the account with the reporting agency XXXX 
I filed a dispute with XXXX because USAA stated they would not change the status. Initially, it appeared as closed. However, the completion of the investigation with XXXX  now shows the account is being managed by a financial counseling program. This addition to my report caused a decline in which my score went from XXXX to XXXX. If USAA did n't have that notation on my credit report before hand why did they feel compelled to place it on my credit report now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I can not access my anual report it says I am not me

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 10/25/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Servis One, Inc. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I am writing as I received a response from XXXX .but they have not up load -ed the letter. at the time of the transferred of my loan XXXX responded that at the time of transfer and I quote.the short year history escrow statement reflected an actual bal XXXX at time of transfer end quote .this is where the problem lies with bsi financial .I received from bsi the final escrow statement showing XXXX XXXX had closed out the loan .prior to that the escrow acct was corrected add XXXX for shortage .I received a letter stating that there was no money from the transfer transfer from XXXX to bsi and was then charged a I believe either XXXX or XXXX to start the escrow accout. I would like to know where the XXXX esc -row amount went at time of transfer.i believe this is where the problem lies

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (CA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I made 2 purchases using this card. The current amount on the first XXXX XXXX Plan XXXX ) is {$4800.00} and it expires on XXXX/XXXX/XXXX. The current amount on the second one ( Plan XXXX ) is {$1800.00}, and it expires on XXXX/XXXX/XXXX. The promotion on the 2nd purchase was NO INTEREST if I pay it off before XXXX/XXXX/XXXX ( and if I do n't - about 28 % per annum will be charged retroactively to the date of the purchase ). I have always been current on all the payments under both Plans. On or about XXXX/XXXX/XXXX, I made an EXTRA payment ( after all regular payments have been made ) with specific written instructions to apply it to XXXX XXXX only. The company refused, instead applying only {$19.00} to Plan XXXX out of the entire payment of {$900.00}. That meager allocation to XXXX XXXX is intended to assure that I will never be able to pay off that Plan before XXXX/XXXX/XXXX XXXX it would be mathematically impossible ) unless I also pay off completely XXXX XXXX. That is, the promotion that I could pay off Plan XXXX and avoid the interest charge was FALSE because the backdoor interest allocation makes sure that this will not happen unless I also completely pay off {$4800.00} under Plan XXXX. As a matter of fact, this allocation -- contrary to my specific instructions -- makes promotions on both Plans to be false and misleading. As long as I am current on all the payments, I should have an unqualified right as a consumer in an industrialized country to designate how any EXTRA payments are to be applied. XXXX XXXX should be reminded that XXXX, where it murkily operates, is not some lawless jurisdiction where fraud and misrepresentations can be perpetrated upon the unsuspecting public with impunity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There are two inquiries on my report that I disputed with XXXX and the credit bureaus. I also spoke with XXXX  concerning the two inquiries and XXXX stated they do not show the inquiries in there system. XXXX told me to dispute them with the credit bureaus and I did. XXXX  Equifax, and XXXX keep stating they verifed the inquiries. The credit reporting agencies did not verify. If this was true they would be removed. I called XXXX again and they stated the credit bureaus did not verify anything with them. The inquiries were on XXXX XXXX, XXXX and XXXX XXXX, XXXX. These inquiries are affecting my score and I want them removed immediately! The number I used to contact XXXX is : ( XXXX ) XXXX.

Company response to consumer: Closed with explanation