milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/29/2015 about Consumer Loan (Installment loan) with Atlanticus Services Corporation (TX).
Issue: Taking out the loan or lease

Complaint: I took out a loan ( {$480.00} ) with Fortiva XXXX company for an iphone that was merged with XXXX company. The loan was for 6 months at {$35.00} per month beginning XXXX/XXXX/2015. I made my payment through my online banking system XXXX ( XXXX XXXX XXXX XXXX XXXX, the online banking sends a check ( check # XXXX ) was mailed to Fortiva XXXX in the amount of {$100.00}. The address mailed to was XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. Fortiva company cashed the check and it cleared in my bank account on XXXX/XXXX/15. Company sent a text on XXXX XXXX, 2015 saying that my payment was due on XXXX/XXXX/2015. I contacted the company on XXXX/XXXX/2015 and spoke with representative XXXX, and informed him that my payment was sent and check cleared in my bank on XXXX/XXXX/2015. He asked me to fax a copy of the check that cleared in my account. I faxed a copy of cleared check to Fortiva Research department fax # XXXX immediately ( XXXX/XXXX/2015 ). I followed up with a call to make sure they received my fax. They confirmed that fax was received. I followed up a few days later again, and representative told me that it 's still in payment research. Today, XXXX/XXXX/2015, I received a call from the representative saying that they did n't receive payment and it 's past due. I spoke with supervisor XXXX XXXX and he assured me that this issue will be cleared up in a day or two from him personally and he will give me a call back. I 'm filing my complaint now because I read online that someone else had the same issue with Fortiva XXXX and they have ruined their credit. I 'm taking precautionary measures before this is reported on my credit account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 07-07-2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (AE).
Issue: Account opening, closing, or management

Complaint: I filled a fraud with the FTC a few months back about I fraud account opened in my name with USAA. I sent out letters to them but have not received anything back from them. I called them and all they did was update my personal info so whoever could n't use the account which has a negative balance. They said I 'm responsible but I do n't see how.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
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: XXXX  sold a secured credit card account in  XX/XX/XXXX  to  XXXX   XXXX , this account was opened in   XX/XX/XXXX .  I disputed it several times as they can not verify this account as  XXXX  did not send the account information to  XXXX   XXXX  and they can not verify the debt, yet they continue putting it back on my credit reports after it has been removed by the reporting age ncy, Especially   XXXX  and  XXXX , Transunion recently removed it at my request, but from what i have seen it gets put back on my credit file months after it was removed by my dispute. All   XXXX   credit bureaus are not allowing me to dispute this account online now. Please help 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 08/19/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Making/receiving payments, sending money

Complaint: Have called Citibank about 2 weeks ago to trace two payments from my account to a third party who claims has not received these payments. I spent more than 30-40 minutes on the first occasion trying to resolve the issue with a phone representative who promised I would receive a notice within 48 hours with the results of the payments trace. When I requested a name, representative id or reference number for our call, the representative could only offer me her first name, but promised me that a record of our call would be logged onto their systems for referral in case the I did not receive the notice promised. More than 2 weeks later no such notice was received. 
I just called again to follow up on this request, speaking to a new representative by the name of XXXX ( she declined to provide me with any other information, including a representative id, or extension number ), who could not find any reference to my previous call and thus had to initiate a new identical request as the previous one, again consuming more than 40 minutes on the phone. Once again, she declined to provide me with a reference number, representative id number of extension number, only saying that she would put a trace and that I should receive a notice within 48 hours. 
Most other companies I have dealt with generally offer a reference number after a customer call, together with a representative id number, so that the issue can be traced back if not resolved adequately. 
Citibank 's process for resolving customer matters requiring follow up are either severely deficient out of organizational incompetence, or more cynically, purposely designed to avoid leaving an accountability trail that could lead to regulatory actions. 
I believe that this matter deserves your attention as it is clearly abusive of the banks customers, as well as possibly abusive of the regulatory process, by designing a system that results in the hiding of these types of issues from regulatory oversight.

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 04/19/2017 about Bank account or service (Other bank product/service) with TD BANK US HOLDING COMPANY (NJ).
Issue: Account opening, closing, or management

Complaint: My bank for some reason refuses to correct my mailing address. The local branch has called the main branch and asked them to correct my mailing address but the bank says they did but have not done it.     My bank is sending all my business bills with my home address and etc. I have asked over and over again to please update my mailing address but they ca n't figure it out.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: APR or interest rate

Complaint: Good Morning, I have a Stein Mart credit card and last couple of Years they switch to Synchrony Bank and ther give me interest rate almost 50 % .Please if you can HELP me because i have filling thaht i never pay off.I am XXXX XXXX XXXX, XXXX with unemployment wife. 
Thank You

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 10/24/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (AR).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: Over the past few weeks the credit card company has called me numerous times throughout the day. They will not leave a message so that I can return the call when i am not at work. Also, when I have been at work and picked up the call the people on the other end are just rude. I have requested for them to not contact me during me work hours, which are generally XXXX, and of course I get the response " well if you would handly your debit we would n't be calling you. '' I have no problem explain the situation and working through to pay off the debit that I owe but my job does not allow us to use our personal phones while on company time.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On X/X/2017, I was notified that there was a data breach at Equifax and that I was a potential victim according to their website equifaxsecuirty2017.com. This has put me and millions of Americans at serious risk for identity theft. I believe that a single year of free identity theft protection is not sufficient and should be extended to 5/10/15+ years depending on how much information was stolen. Equifax should also take responsibility and reimburse the affected for putting credit freezes on credit reports as well as compensation for time and money lost for getting a new SSN if needed. The company failed in protecting consumers by not responding in an urgent and responsible manner and I would like a resolution that is fair to all those affected.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Regarding compliant #  XXXX .  XXXX   XXXX  is being reported as a medical debt owed. However, no such debt is owed due to my insurance paid the original creditor. Also, I was not given notice that I owed a medical debt. I seen this on my credit report for the first time. Equifax removed  two  debts from this company and left the other two. I dont know why all was not removed.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (FL).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Account with ashley home stores, through synchrony bank.
I pay over half of my minimum payment bi-weekly. some months this pays three times a month. but this ensures at least two payments are made in between due dates, however due to a billing cycle error where the due date is 8 days before the billing cycle ends, some of my payments are applied to previous statements instead of the current billing cycle. this results in a late fee and interest charged on my deferred interest account.
On my may statement three payments were made, the last of which was on   XXXX   XXXX  , one day before the billing cycle ends, because of the bi-weekly pay schedule only one payment was made between   XXXX   XXXX   and   XXXX   XXXX   the next due date. Synchrony bank is not allowing a full month between billing cycle and due date to apply payments. this allows customers a pay window of 20-23 days to make the payment, previous applied payments after the due date, but before the end of the billing cycle do not apply to the next due date.

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 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I was a Victim of Identity Theft and opened Fraudulent accounts from the year XX/XX/XXXX until XX/XX/XXXX. I have paid a credit repair service, I have directly disputed this with them on numerous times and can not seem to get help resolving this. I have even filed a report with the FTC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: On XX/XX/2017 I called TransUnion three times because I do not have access to my credit report online for viewing or disputes for whatever reason. I contacted TransUnion because there are some inaccurate things on my credit report. The first time I called I was immediately transferred by Customer Service to the special handling department because they said they had no access to my file and could not assist me. I then spoke with two different people who identified themselves as being in the special handling department. I was transferred again to someone else in special handling who advised that their supervisor was handling my file. I was then transferred to a voicemail to leave a message which I did. After not receiving a returned call I called TransUnion back again and went through the same transferring cycle. I was advised this time by two people in the special handling department that my file was being handled by the priority department and that they would transfer me. I was transferred to the same voicemail from earlier. I called back again only to go through multiple transfers of people that had the same script to the point that I could finish their sentences. I was transferred to the same voicemail and was not given any assistance whatsoever. Each call had 3-5 transfers and long holds before finally transferring me to the voicemail. I am feeling like I am being toyed with and it is highly unprofessional.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (CA).
Issue: Trouble during payment process

Complaint: CitiMortgage  applied an impound account to our mortgage due to unpaid property taxes (  XXXX  ). These taxes were included in our bankruptcy and should not have been paid to CitiMortgage. Our attorney opened a motion with the courts and CitiMortgage then removed the impound account. Looking back at our monthly payments with CitiMortgage during the time they applied the impound account it looks as if they miss applied the funds making it look as if we were a month behind. Moving forward CitiMortgage sold to  XXXX   XXXX  and then to  XXXX . Our final payment t o Citi w as on  XXXX / XXXX /  XXXX   but was applied to  XXXX  instead of  XXXX . We were still in bankruptcy so we were unaware of this, as this is not noted on any of our statements. At the end of our bankruptcy in  XXXX  we were contacted by  XXXX  saying we were 30 days late on our payment. We have disputed this with CitiMortgage,  XXXX   XXXX  and  XXXX . Nobody from any of these companies have given us a date as to when a payment was missed. It all started during the escrow impound account that CitiMortgage imposed on our account. We have bank statements showing all payments were made. There should be no late payment reporting in  XXXX    XXXX  . Please review proof of payment history and Bankruptcy 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 02-11-2017 about Student loan (Federal student loan servicing) with NELNET, INC. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: In XX/XX/XXXX, I contacted my student loan servicer Nelnet regarding my late student loan payments. It was agreed upon that my loans would go into forbearance. I later received documents dated XX/XX/XXXX that my loans had been placed in retroactive forbearance, with start dates of XX/XX/XXXX and XX/XX/XXXX Despite this, my server continues to report my loans as late for the dates covered by my forbearance. On XX/XX/XXXX I contacted Nelnet regarding this and was informed that they would not update my account information and would continue to report multiple late payments despite the fact that my forbearance period covers the dates they are reporting as late. Nelnet is now reporting my loans as current.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Credit reporting () with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I called Experian on XXXX/XXXX/16 to get inaccurate addresses and phone numbers removed from my report. I told them the only accurate address was XXXX XXXX XXXX XXXX XXXX Ct XXXX and XXXX XXXX XXXX XXXX XXXX XXXX Ct XXXX. I did n't even get to address all the inaccurate phone numbers on my report. The only number that should be reporting is XXXX. I did not have an issue with XXXX and XXXX removing these inaccuracies from my report. Experian is violation the Fair Credit Act and my rights by not removing these inaccurate items.

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 08/24/2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (MN).
Issue: Struggling to pay mortgage

Complaint: Foreclosure sale is Monday XXXX XXXX, XXXX. 
We have asked for short sale to non-profit and have been unable to get cooperation from the lender. We have provided them with contractor estimates, but they have been unwilling to review them and accept them. They are misrepresenting the condition of the house to the lenders for the foreclosure sale. We have sent them a qualified written request in XXXX, XXXX and again today, XXXX XXXX, XXXX. 
They do not seem to be willing to review the actual condition of the house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have an XXXX loan from th XXXX. It started with XXXX then they turned it over to XXXX. A few years ago the loan was turned over to Nationstar and that is when all the trouble started. They told me when the loan was set up the taxes and insurance were taken out of the payment. The payment was always XXXX. When it went to Nationstar we paid insurance and taxes thru XXXX XXXX XXXX. This seems to me to put more on the principal than the way it was set up. I have made the payment every month to Nationstar, every month {$1800.00}. They change the payment amount, they added an escrow account, paid taxes once and then returned the money. My loan has never gone the way it should. My husband and I are in our XXXX, neither XXXX of us are in good health. XXXX months ago my husband was on XXXX. I do n't know what to do anymore. They have ruined our credit rateing. I have spoken to them for years about this loan and another smaller loan that is also from the XXXX, and also had terrible problems. This has been going on for years. I have faxed them my bank statements to prove payments were made. I have sent paper work. So far my bill if up to over XXXX in faxing and mailing paperwork. I speak to someone that understands and agrees then it all happens again. It is like they figure it out but no one writes it down or lets anyone else know about the outcome of our understanding. Please tell me what I can do. I just sit here and cry at times I am so frustrated. Please tell me what to do now. I recently received and letter asking me if I had an attorney. Maybe getting an attorney is the only answer.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (WA).
Issue: Trouble during payment process

Complaint: Upon review of my recent mortgage statement, the loan balance has reached 75 % of the appraised value of my home at the time of purchase, yet PMI was not automatically canceled at 78 % as required by the Homeowners Protection Act. The mortgage statement indicates ongoing payments toward PMI. The appraised value of my home is {$120000.00} ; the loan balance is {$90000.00} ; the debt to appraised home value is 75.4 %. Twelve or more excess PMI payments have been paid since the home value reached the prescribed cutoff threshold of {$93000.00}.

Rather than contact the loan servicer ( Chase Bank ) on this matter, I am reporting this directly to the Bureau for a more detailed review. In my opinion, there is a high probability that this is a systematic problem rather than an individualized one and many, many consumers could potentially benefit from an in-depth review of these billing practices.

My mortgage statement does not show the original appraised value at the time of purchase. Without this information, the casual consumer, such as I have been, could easily and blithely continue paying unnecessary PMI until the Chase system flagged it for automatic termination.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax has mishandled my information, allowing it to be easily stolen during their recent data breach from XX/XX/XXXX to XX/XX/XXXX which will likely be used against my wishes for financial gain by the identity thieves. Equifax then tried to hide the loss of my information, neglected to notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours of my time, money ( to freeze my credit with 4 different credit bureaus ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Credit reporting () with FIRST ADVANTAGE CORPORATION (MA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: i want to know why it said in my credit report multiple SSN on credit file, i have only have one SSN number

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I applied for a capital one platinum card as referred by XXXX XXXX on XXXX XXXX, 2017 and was approved for a credit limit of {$3000.00}. I was sent a card and upon trying to activate was told it was restricted and was sent to the fraud department. I was told I needed to verify my identity and was sent a link to my email to upload 3 documents which included : my driver license, my social security card and a bank statement with my current address. 2 days later I was called by a rep from Capital one who said that they received my documents but my account had already been closed and cant be reopened. They wont explain who and why my account was closed. It is on my credit report.

Company response to consumer: Closed with explanation