milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/27/2016 about Payday loan () with NCB MANAGEMENT SERVICES INC (TX).
Issue: Charged fees or interest I didn't expect

Complaint: Pyments were twice a mth. Bcause of personal issues. Requested once a mth pymts. They said ok. Well bcause of same issues was already late for XXXX pymnt. I was called by WHO I THOUGHTwas the collections dept. I agreed to make my mthly pymt higher the XXXX of the next mth. So a few mths go by all is fine, but when I think its my last draw and should be 1/2 a draw bcause they did a XXXX draw that i was n't expecting a full pymt was taken and I found out at that time that they were not the company I contracted with, but a collection agency. When I called them, they refused to give me back my money. The lender was XXXX. The last draw they took was XXXX/XXXX/16 for XXXX. I recieved an email from them XXXX/XXXX/16 approving the renegotiation payment date. My balance was roughly {$2700.00}. When i recieved the call in XXXX I thought nothing of it, because I was late, and I figured they wanted to up the payment. I was in my car at the time, and I had people in the car with me. I agreed to the upped payment gladly, and made the payments gladly, because as I said i thought I was talking to XXXX!!!! Once that over draw came out and I called them and found out they were debt collectors, I was horrified!!!!! I told the to listed to their tapes, and they could easily tell that I thought I was talking to XXXX because I even mentioned the young man who called me initially when I was running a week behind on my payment. I told them to give me my money back!!! So far they 've refused. Ive been going back and forth for some weeks now. I want my money back. As far as I 'm concerned they 're thieves. I know they could tell that I thought I was talking to XXXX. When I said that to them, their response to me was " Why do you care who gets the money ''!!! They owe me a minimum of {$220.00} and I want it back. They 're Liars and Thieves. I hve the emails from elastic, my bank statements.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (DE).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Fraud charges and temp authorizations on credit card. Called BAC they were no help, hung up, called back and they said call XXXX. Called XXXX they said call you Credit Card company. BAC credit card XXXX has charges on XX/XX/2017 for {$65.00} and XX/XX/2017 for {$40.00}. I am a XXXX customer and do not do business with XXXX. Please remove the charges and reissue a new card.

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 card () with CITIBANK, N.A. (NC).
Issue: Balance transfer

Complaint: I have a 0 % APR promotional balance transfer on my credit card with Citicard. In the same billing period, I made additional purchases besides the balance transfer. I paid the minimum amount due from the monthly statement, PLUS the entire amount of the non-promotional purchases. Citicard charged me interest, saying that it was because I had not paid the statement balance in full, including the balance transfer amount. When I referenced the CARD act provisions that say that any amount paid above the minimum amount due must be allocated to the highest interest balance ( i.e. the new purchase balance and not the balance transfer ), they said I was wrong and expressly stated that their policy was the opposite. I want to make sure I 'm right in that I should not have been charged interest. I saw there are exceptions to this for special debt payment agreements, but I do n't think my account falls into this exception. Furthermore, the customer service rep would not explain the math to me of how they arrived at the interest charged - it does n't make sense to 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 monetary relief
Consumer complaint received 12-06-2015 about Mortgage (Other mortgage) with STONEGATE MORTGAGE CORPORATION (TX).
Issue: Application, originator, mortgage broker

Complaint: Stonegate Mortgage representative issued us a pre-approval letter at 5 % down payment for the property we were interested in buying. Once we got the pre-approval letter, we made an offer on the house, came to agreement on the contract, hired an inspector, etc. During the 10 day period, the Stonegate representative left a voicemail saying she was " having to step away for personal reasons '' ( we now know that all XXXX Stonegate branches had closed ), and that she passed on all of our information to a representative with another company without our permission. About three days before our 10 day option period ended, the new representative called us to tell us that with the way our finances were, there was no way we could afford to buy that house we had already spent {$970.00} on ( Inspection fee, Termite inspection fee, and Option period fee ) and that we could not be issued the loan for the house. Another day later ( 2 days before the end of the option period ended ), he called again to say the only way we could buy the house was to put 10 % down instead of 5 % ( our original pre-approval letter from the representative at Stonegate was issued for 5 % down ). We could not afford the 10 % down as that was not part of the original pre-approval letter. If we had known that in advance, we would never have spent/wasted almost {$1000.00} on a house we were n't going to get a loan for, and on a house we should never have gotten a pre-approval letter for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-06-2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: After being turned down for credit I contacted the XXXX credit bureaus by letter and was able to speak with a person by phone with XXXX. None of them addressed the issues I raised regarding a serious delinquency that I am disputing. They sent me a credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Struggling to pay mortgage

Complaint: On or about XX/XX/XXXX I received a notice of default from Bank of America. I immediately began contacting their loss mitigation department. My call were all routed to a voice mail of XXXX XXXX. I left an upwards of 75 voice mails for XXXX XXXX over 45 days without any contact back from her. In early XX/XX/XXXX I received a loss mitigation application from BOA. I promptly completed it and faxed it to them on XX/XX/XXXX which is 54 days before my initial sale date. On or about XX/XX/XXXX I received a rule 120 summons from their counsel XXXX XXXX XXXX XXXX XXXX. The attorneys were XXXX XXXX and XXXX XXXX. I immediately let them know that I was seeking loss mitigation and they stated they have no way of contacting their client to let them know that. I forwarded them the application as well so that all was informed of my intentions. The summons from the law firm was received on XX/XX/XXXX and required an answer be filed on XX/XX/XXXX which in itself was impossible. I continued to communicate with the law firm as could n't get anyone from BOA to speak with me. Finally on XX/XX/XXXX I received a voice mail from a new single point of Contact XXXX XXXX. I promptly called her back but we have yet to speak as of the date of this complaint. On XXXXXX/XX/XXXX i received written confirmation that they received my application and would not proceed with a foreclosure sale and if any other documents were needed they would provide a date in which I would need to get those to them. 
Fast forward they are proceeding with a foreclosure sale and have provided no date in which I must get them the items. They are dual tracking my mortgage and colluding with XXXX XXXX XXXX to foreclose my mortgage. I beg the CFPB to intervene and assist in helping me. I had my application to them 54 days in advance of the sale date and statute only requires 37 days. Furthermore they confirmed in writing they received it and are failing to honor their written committment to 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 09/13/2015 about Consumer Loan (Vehicle loan) with Allied Financial Group & Associates (Closed) (MD).
Issue: Problems when you are unable to pay

Complaint: Phone XXXX XXXX Acct. # XXXX XXXX for a payoff amount for an old car loan ; number shown on credit report is Allied Fin ( XXXX from XXXX XXXX XXXX. Each time I speak with someone at that number, the person on the other line can not verify the account. I challenged XXXX to verify the account, which they respond to say it was verified. When I ask for the number they used, it is the same number to Allied Fin., but when I call Allied Fin., they can not locate the account.

Company response to consumer: Untimely response
Consumer complaint received 09/30/2017 about Debt collection (Other debt) with Eastern Account Systems of Connecticut, Inc. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XXXX I requested debt validation via a contract from Eastern Account Systems and it is clear that they could not properly validate the debt outside of what they consider statements. Which is NOT what I requested. Because they could not provide the requested contract they stated that they would remove their trade line from my account and cease all collection activities however it is now XXXX and their trade line remains on my credit report. Which is negatively impacting my credit worthiness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Making/receiving payments, sending money

Complaint: I owe Chase Bank roughly {$2000.00}. I am living on SSI income so I have no way of paying that. I mailed them documents stating I had " won '' money. They said they wo n't accept that as payment. XXXX. I also wrote the postal inspector about these " sweepstakes '' being potential scams and they have done nothing to solve this financial joke. XXXX? Why do these " enforcement '' agencies not do anything to go after scammers? My local police do n't XXXX about mail fraud, but on the show " XXXX XXXX '' they state mail fraud is a felony. an someone get off their XXXX and help me solve this problem with my bank so my credit is not ruined? Police would rather pull me over for my traffic signal not going on than mail fraud I get in the mail stating I am owed all this money.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TX).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Citi bank is charging me for a Credit Protector fee, without my consent. I did not want or authorize this optional debt protection program. I wil l like it to be removed and a credit applied to m y Citi Cred it Card. The reference number is  XXXX .     Thanks in advance.      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 explanation
Consumer complaint received 07/19/2017 about Debt collection (Credit card debt) with SUNRISE CREDIT SERVICES, INC (NY).
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: XXXX XXXX ( I believe was his name ) of Sunrise Credit Services has been calling my cell phone every day up to 3 times a day for months now, never once leaving a voice mail. I asked them to stop, but the calls persist. The first time I called back a couple of months ago, he refused to identify the company he was with. Today I finally got it.

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 10/28/2016 about Bank account or service (Other bank product/service) with U.S. BANCORP (WA).
Issue: Account opening, closing, or management

Complaint: We have a home equity line of credit with US Bank and have just refinanced our home mortgage. In order for us to keep that home equity line of credit, we paid a fee of {$250.00} so we did n't have to close it for the new mortgage and then reopen another line of credit again. The mortgage lenders with whom we financed, are selling our loan and needed to get a copy of the home equity line of credit agreement. It has taken them over XXXX XXXX XXXX XXXX weeks to finally get someone to help us. When my husband called, no one knew what to do or what area to possibly contact. Our mortgage lenders have been now trying for over XXXX XXXX XXXX XXXX weeks -- totally unacceptable. There was some missing information that was required on the form however, no one would communicate that. As far as I am concerned, this is unacceptable customer service given that we have paid {$250.00} to keep the line of credit open. I am requesting a refund of {$250.00} that we paid to keep the line open as we received no customer service and over XXXX weeks of calling everyday and headaches. This is no way to treat customers that have been with the bank for over XXXX years. Frankly, it should not happen to anyone. I am strongly considering dropping US Bank and going to another financial institution that focuses on customer service and does n't have the " we are a big bank attitude and are untouchable. '' I received a call from the XXXX yesterday to comment on US Bank and refused to give them feedback because it was my husband that had gone into the bank XXXX, arlier this week to make a deposit, not me. The caller was insistent that I give feedback to US Bank on my experience and I had to finally hang up on him stating, I did not receive any service so you expect or demand that I give feedback? That would not be a valid source of survey information as well as fraudulent information. If US Bank wants feedback, then they need to receive it in an honest and forthright manner and not " grease the skids so to speak. '' Big banks do n't mean good service. I really wonder what their customer service goals are and their commitment to customer service and the quality of customer service being offered.

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 09-08-2017 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: Equifax suffered a breach of data which included a wide ranging scope of extreme PII data, including my and my partner 's SSN and DMV License Number. 

We are now going to have to militantly spend the next several years watching our credit reports to ensure that this data is not used inappropriately. 

Equifax should consider protection of this data as their primary objective, as their role in credit reporting requires them to have an ability to accurately and fairly provide credit data about those people who, whether they want to or not, must use this service to be able to access financial products.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Debt collection (I do not know) with PROFICIO FINANCIAL SERVICES, LLC (WA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: I have received a couple phone calls from a company named Proficio Financial services regarding a debt of {$500.00}, plus some additional fees. I am currently out of town, and intend to request proof of the validity of this debt as I have no record of owing this amount, nor does it show on my credit report. 

Today, XX/XX/2018, I received a call from them at XXXX but was unable to answer at that time. They then called again at XXXX and the representative claimed to know my grandmother, including using her correct name, and said they would call her to see if we were related, or I could return their call. 

I sent an email through their contact us page on their website stating that I will not be taking any of their calls at this point, all contact with me must be done by email, and that I am filing a complaint regarding their actions.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have no knowledge of any accounts with XXXX XXXX. Ive never ordered anything or received any services from this company. Ive repeatedly disputed this account with each credit bureau and asked for validity of this account. No one has ever sent me any signed contracts or anything verifying that I own an account with XXXX XXXX or that I owe them any money. This account is negatively affecting my credit and hindering me from obtain any good credit.

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 12-05-2016 about Student loan (Federal student loan servicing) with MOHELA (WV).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I had filed a dispute with all XXXX credit bureaus on XXXX/XXXX/2016 on Mohela for incorrectly reporting late payments when my account was in deferment. I discovered on XXXX XXXX the late payments had been removed and investigation had been closed, then on XXXX XXXX my credit report reflected the late payments had been re-inserted into my credit file. Mohela and/or all XXXX credit bureaus have 5 days to notify me of re-inserting a previously deleted item. I did not receive any such notification. Please delete these items immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: Received free annual credit report through Equifax and discovered unknown XXXX account. Called XXXX to inquire about this account, however, they were not able to find this account because Equifax credit report provides only first XXXX digits of the account number. Called Equifax to inquire about full account number and customer service rep, XXXX, said the only way she could pull up and release full XXXX digit account number is if I purchase Equifax Complete Advantage Plan. I agreed, however, after the purchase she informed me that she could only provide first XXXX digits, and not the full XXXX digit account number. This was completely misleading practice to trick customer into purchasing their product. They refused to provide refund. ( Spoke to the supervisor, XXXX, agent number XXXX - he refused to provide refund, instead gave me cancellation/reference number of XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Student loan (Federal student loan servicing) with Utah System of Higher Education (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: XXXX acquired my federal XXXX school student loans from XXXX and took the opportunity to remove the 2 % discount afforded to my loan repayments, because of auto debit. I called them out on this 4x and also filed a complaint with the XXXX office and still to this day, XXXX can not confirm how much in interest they have overcharged me in acquiring and handling my loans. 

I want a full and immediate refund of the interest charged on my loans. 

Also, what legal remedies do I have for this? I believe XXXX has institutionalized a criminal act and is probably overcharging interest on thousands of other student loans.

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 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LTD Financial Services, LP (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXXThe companies listed above are reporting inaccurate/unverified information.The companies are reporting a paid, closed, or satisfied account as open with a balance. I recently check my credit report and see that UNVERIFIED/FRAUDULENT information is being reported to my account.Thursday, XX/XX/2018, I called XXXX XXXX XXXX. I spoke with a XXXX   ID:XXXX which I have a voice recording for proof. The representative stated that Alleged Debt Of $XXXX  was sold meaning the debt was satisfied. The Alleged debt is being reported as a late/open account which is closed and needs to be removed.  The alleged debt was sold to who LTD FINANCIAL SERVICE XXXX XXXX XXXX XXXX XXXX, TX for $XXXX. With whom I have no contact with, I did not grant permission or authorize the use of my information to be reported in any way. This is identity theft I do not know who LTD FINANCIAL SERVICE is and I demand this information be removed immediately. I have requested that this Alleged that has been satisfied removed from my report.XXXX XXXX XXXX     XXXX                 UNVERIFIEDXXXX/XXXX XXXX                 UNVERFIED

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On XX/XX/XXXX a representative from XXXX ( XXXX XXXX ) signed my return certified mail receipt XXXX ; for a dispute letter that I sent. On XX/XX/XXXX I pulled my credit report which is past the 30 day allowance which was XX/XX/XXXX. Barclays have failed to mark my account disputed which is a FEDERAL and STATE violation, to be exact Fair Credit Reporting Act Section 623 ( a ) ( 3 ) and/or Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the REQUIRED 30 day allowance.

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