milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-04-2017 about Mortgage (Conventional home mortgage) with U.S. BANCORP (HI).
Issue: Trouble during payment process

Complaint: I have two separate mortgages with US Bank on two separate homes. Both loans have the same problem. I am able to pay my monthly mortgage payment online through the US Bank website but I feel I 'm being charged an unfair or unnecessary online payment fee of {$5.00}. The payments are due on the XXXX of every month, but if I make the payment on the XXXX or XXXX they charge me an additional {$5.00} online processing fee. Both loans have until the XXXX of the month as a payment grace period. I called US Bank and asked them why I was being charged the {$5.00} fee and they explained that the fee was because I had n't made the payment on the XXXX of the month. I explained that I was still within the 15 day grace period and did n't want to pay the fee. They informed me that I would n't be charged the {$5.00} fee if I mailed in my payment?? So if I mail in the monthly payment by the XXXX of the month or if I pay online by the XXXX of the month then there is no fee. But if I pay online on the XXXX or later, then I have to pay the fee. I read through my " Truth In Lending '' disclosures from when I got each loan and I do not see this fee disclosed anywhere. Why am I being charged a {$5.00} junk fee for paying online during the payment grace period?? Thank you for your help!

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 03-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
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: I mailed TransUnion a letter that contained the most recent and accurate information along with the dispute on the account with XXXX. It was sent on XX/XX/XXXX, but their response to the issue number XXXX did not address 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 non-monetary relief
Consumer complaint received 01-04-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (IN).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I called Bank of America ( XXXX ) the evening of Wednesday XX/XX/XXXX XXXX EST to dispute the overcharging of interest on 2 personal credit cards that I have with them due to their use of double cycle billing that is deemed illegal as per the Credit Card Act of XX/XX/XXXX. At the time of billing, I unknowingly paid this interest as legitimate, but my accountant recently informed me that this is an illegal practice as per the Credit Card Act of XX/XX/XXXX. The overcharging of interest occurred on 2 separate occasions on 2 different cards in which the balance was paid off in full in the previous billing cycles. The 2 amounts of over-charged interest are for {$100.00} ending on billing cycle XX/XX/XXXX for one card, and for the other card, {$23.00} ending on billing cycle XX/XX/XXXX. 
I initially spoke with a representative who was clearly unaware of what double cycle billing is and my consumer rights as per the Credit Card Act of XX/XX/XXXX. I asked to be transferred to a Manager ; I was transferred to a Team Supervisor named XXXX ( Badge # XXXX ) and she refused to acknowledge that Credit Card Act applied to my situation and refused to refund the charged interest. She even intentionally mispronounced my surname as " XXXX '' twice even when I corrected her the first time ( My surname is XXXX ). I interpreted this XXXX overt racism and smugness on her part. I requested to escalate this matter to her Supervisor which in their management nomenclature would be " Manager. '' I will be awaiting a phone call the next day.

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 05-11-2016 about Debt collection (I do not know) with Premier Portfolio Group (KS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company keeps calling and threatening that I will be sued or arrested if I do not contact them within 24 hours. They will not validate any debt and when you question anything they hang up on you. If this is a valid debt they need to validate it. If it is not a valid debt they need to stop calling. Also they need to stop using threat tactics to try to collect a debt. They say their name is Premier Portfolio and they call from many different numbers from different states. They have told me that they can not provide with the name of who the original debit is owed to. This is information that by law I need to be provided. This company needs to stop calling people.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Loan interest percentage rate increased during in-school repayment term because I was dis-enrolled in autopayment ( due to no payment needed during school enrollment ). I 'm still paying interest and principle payments but my interest rate has increased dramatically because I do n't have the option of being auto-debited for some of my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: both XXXX and XXXX are reporting late payments. I was told by my banker at XXXX not to pay my mortgage during both my refinance and my mortgage modification. They are reporting that time period as late. I feel this is poor and unfair credit reporting. XXXX offered a holiday relief program, I took advantage of this program offered by the bank. At no time did they tell me that I would be reported as paying late.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: This is an addendum to compliant # XXXX. 
I have submitted the Sales Offer dated XXXX XXXX, 2016. 
Chase Bank , N.A . has failed to review my short sale request in the required number of days and has been unresponsive to my requests for a representative to contact me regarding the status of the review. I am extremely dissatisfied with the service I have had from Chase Bank. 
I have called multiple times and have had broken promises from the representatives. Nearly every time I call, there is a different person assigned to me. Nobody knows why it is taking so long. They keep saying it is in the final stages of review. They say that they have 5 days to review it and when I call on the 5th day, they say they did not have enough time to get to it. I believer that they are being negligent in having insufficient number of staff, not training staff, not sticking to their SLAs, refusing to have the staff provide me with information requested ( I requested the mailing address for their complaints department and they gave me a fax number. I requested an email, and they said they do not have email, but then they said they would email someone in another department ). They are violating the rules about resolving disputes in a timely manner, rules about prompt decisions on loss mitigation options, and just basic good banking practices. They are running up the servicing fees on my account which is unfair to me. This looks like a UDAAP infraction because I have been misled as to how much time it will take to review my short sale packet submitted in XXXX and it is causing financial damage to me. 
I have not kept up with all of the names of the people they said were assigned to me, but yesterday, I was told that their names are XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (LA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I mailed a request for validation to Portfolio Acceptance, LLC on XX/XX/XXXX. In my XX/XX/XXXX letter I specifically asked that Portfolio provide me with an explanation of how the alleged balance was calculated, proof this debt was not time-barred and a copy of the original account level paperwork that contained my signature. Portfolio responded by way of letter dated XX/XX/XXXX by simply providing a copy of an XXXX statement for the period of XX/XX/XXXX to XX/XX/XXXX showing an alleged balance of {$1400.00}. Portfolio again responded on XX/XX/XXXX by providing a summary of their electronic file stating an alleged balance of {$1800.00}, refusing to respond to my dispute due to their alleged prior response and requesting that I provide them with additional information. To date, I have not received ( i ) a calculation of how they arrived at the balance of this alleged debt, ( ii ) an explanation of how their claimed amount in excess of the alleged original balance is authorized by the agreement creating this debt or is permitted by law, ( iii ) nor have I received any documentation containing my signature that show I agreed to pay this amount. It is my belief that Portfolio has not conducted a reasonable investigation of my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Debt collection (Medical) with Revenue Recovery Corporation (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: These debts are at a XXXX balance and the other medical bills I have on my credit is due to having insurance since XX/XX/2014 that is still on my credit report and I would like these removed I do not owe these Medical bills due to none payment from the insurance company.

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
Consumer complaint received 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with UNITED SERVICES AUTOMOBILE ASSOCIATION (SC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: During the month of XX/XX/XXXX, I submitted a request for a XXXX adjustment of my credit reports. The Adjustment was denied. My adjustment was based on the fact of my wife passing away on XX/XX/XXXX. The late payment was reported along this time frame as well. The missed payment was an inadvertent error on my part due to the dilemma I was in at the time. The payment was made current immediately and the account has been paid in full prior to terms of the agreement. I honestly feel my request was reasonable and I also feel that this creditor is being unreasonable in this instance based on the circumstances aforementioned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Mortgage (FHA mortgage) with LoanCare, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I was having trouble making my mortgage payment so my lender XXXX XXXX offered me a forebearance plan which I paid on time for a year. Then I was offered a trial modification which is XXXX payments, i have stcessfully made XXXX payments while working with XXXX XXXX. My loan serviceer is Loancare. I called yesterday and spoke to XXXX who told me that even thou I 've been making my payments as agreed upon with them they are reporting that I 'm late whichever will continue until I sign the final loan modification. This is unfair and I have done everything that they have me to do. No one at Loancare has told me that they are reporting me as being late. I am requesting that they remove all of the late payments as I was n't told about this from the beginning and now my credit report has taken a huge hit. I thought that they were helping me not penalizeing me because I could n't pay my original payment in full as I had lost my job.

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 08-11-2016 about Mortgage (Conventional fixed mortgage) with FRANKLIN AMERICAN MORTGAGE CO. (CO).
Issue: Loan servicing, payments, escrow account

Complaint: My prior mortgage company sold my mortgage and did not give them my current contact information. I was not contacted. Since I have automatic withdrawl I assumed that the money was coming out. XX/XX/XXXX is when the transfer happened and because they did n't give the current contact information I did n't notice until the new mortgage company put a 60 day late payment on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I HAVE SOMEONE USING MY SOCIAL THEY ARE IN OHIO I TRIED TO GET MY CREDIT REPORT ONLINE AND IT ASKED ME QUESTIONS TO VERIFY MY IDENTITY AND IT HAD XXXX NUMBERS ON THERE AND I LIVE IN XXXXASO I COULDNT GET MY CREDIT REPORT NOW I KNOW THEY AT LEAST HAVE A PHONE IN MY NAME PLEASE I CALLED IN TO GET MY CREDIT REPORT BUT I DONT KNOW IF THEY WILL SEND IT TO ME

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: my name is XXXX XXXX i live at XXXX XXXX XXXX XXXX XXXX XXXX md XXXX eqiurefax as me down as XXXX XXXX XXXX XXXX XXXX XXXX marylandXXXX and says i owe comcast {$220.00} comcast says it is not my account and i no this and eqiurefax will not remove it evevn when i have proof i donot owe any one any money please help me as this is messing up my credit i have a letter from comcast saying that i donot owe them anything

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Consumer Loan (Vehicle lease) with VW Credit (MA).
Issue: Managing the loan or lease

Complaint: I leased a VW Passat from the VW XXXX, MA Dealership and returned it at lease end last summer ( 2016 ). I got an invoice from VW Credit charging me {$170.00} for an alleged scratch in the passenger door. The VW General Sales Manager validated that there was not a scratch in the alleged location specified by VW Credit when I returned the car in so I took a photo of the location in the car with him holding his business card in case of any issues. Soon after I got a bill and immediately called VW and explained the issue. I spoke to a man that identified himself as XXXX from VW Collections department saying that he received my note in the bill and that he did n't received any picture with the evidence I mentioned. Thus, he requested I get the VW Dealership in XXXX where I returned the Passat to fax him a letter directly at XXXX stating that there was n't any scratch in the alleged location. I requested this from the General Sales Manager so they faxed a letter stating that, and to contact them if there were further questions. I continued to receive letters from VW Credit billing me for the scratch my leased vehicle did n't ' have! I called VW Collections and spoke to another gentleman and explained the situation. He said they never received anything. I went back to the dealership and asked to please fax the letter again. They pulled it from my customer folder and faxed them in front of my eyes and got a sent confirmation from the fax machine. Again, the letters from VW Collections with the scratch amount included continue to harass me. I mailed the same letter to VW to the addresses below as well : XXXX XXXX XXXX, IL XXXX XXXX, IL XXXX I am acting in good faith and going the extra mile to straighten out my account with VW Credit but nothing seems to work. I only want them to credit the {$170.00} because it is incorrect. I am exhausted from trying to provide them with what they need to credit my account but nothing seems to work.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/20/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (MT).
Issue: Unauthorized transactions/trans. issues

Complaint: I was aware of that my account with Rush Card would be going through a system update on XXXX XXXX, 2015 from XXXX to XXXX. I new I would not have access to my funds during that time frame. It is now XXXX XXXX, 2015, XXXX and I still am unable to access any of my Money. I have called Rush Card Customer Service on multiple attempts to experience XXXX hours waiting times and never have been able to talk to any Rushcard Representative. I have sent XXXX emails so far to rushcard customer service about my account issue and I have got only XXXX response that my account could not be found and needed to send another email with more info so I could get assistance. I have sent that info and have yet heard back from rush card well over XXXX hrs now. My Account balance was at {$0.00} for sometime and now is showing the correct balance but my account is still in " pending activation status '' which I still ca n't access my money. I ordered a new card in hopes of being able to transfer funds to this new card but Rush card has deactivated the ability to transfer funds. It says an error has occurred and to contact customer service. This makes me think they do not want me to access my funds at all by blocking my card and ability to transfer my money. They are giving false info about accounts have full access now and only means of any info is there XXXX page. That leaves me in the dark on when or if a fix will occur.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/31/2017 about Debt collection (Other debt) with TRANSWORLD SYSTEMS INC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Transworld has an item open on my credit report for XXXX XXXX for {$530.00}. I have already resolved the payment directly with XXXX XXXX. The account is now paid in full. I have the confirmation letter from XXXX showing it is paid in full but it still remains open on my credit report with Transworld. I would like Transworld to delete this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Vehicle loan or lease (Loan) with BBVA COMPASS FINANCIAL CORPORATION (AR).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: My car was totaled in an accident XXXX XXXX, 2017. My insurance company sent Compass Bank a payoff amount greater than the loan payoff. The XX/XX/XXXX payment was not yet due and the payoff amount was accepted prior to XX/XX/XXXX payment being due and payable. I made all payments through XXXX 2017.  Compass mailed me a check for {$220.00} which is the difference between the payoff amount and the overpayment by the insurance company. However, Compass Bank still needs to reverse the XX/XX/XXXX payment or mail me a check for that payment. Compass in their schedule of payments received shows XX/XX/XXXX payment to be reversed, but the reversal was never made to my bank account. I have sent several e-mails to the total loss department without any response. I have tried calling the total loss department numerous times but can never get a hold of anyone. I am feeling totally taken advantage of here.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-11-2016 about Mortgage (FHA mortgage) with BOK FINANCIAL CORP (TX).
Issue: Application, originator, mortgage broker

Complaint: I applied for a mortgage with a bank to purchase a single-wide manufactured home. The loan was pre-approved and because I was doing an FHA loan, the loan officer told me that I needed to pay for a retro-fit foundation and an engineering design and certification letter in order to comply with the FHA requirements for the loan. The seller agreed to split the cost of the retro-fit with me. The retro-fit was {$2500.00} and I paid {$1200.00} of that amount. I was required to pay for the Foundation Inspection and Engineer 's Compliance Report as well which cost me {$420.00}. After I paid for those XXXX items, the bank sent out an appraiser. Once the appraisal was turned in, the underwriter came back and told me that they could not approve the loan because they do n't do loans on single-wide manufactured homes. The loan officer knew this was a single-wide manufactured home from the beginning so this is something that they should have told me before I invested the money for the items they required. I paid for the appraisal in advance as well but I was able to get the bank to refund my money because it was their mistake. Because the loan officer did n't tell me that they could n't do loans on single-wide manufactured homes, I am now out the cost of the retro-fit and the Foundation Inspection and Engineer 's Compliance Report which was a total of {$1600.00}. The loan offer and bank refused to refund my money even though they admitted that they should have never allowed the loan to get that far in the process on a single-wide manufactured home.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I opened an account with XXXX XXXX XXXX. I had a CC with this company for under or right at {$1000.00} and I missed one or two payments in a row due to a rough time in my life. I came to find the account was closed without them notifying me. It was then passed along to XXXX XXXX XXXX. I have tried to work out a deal with them to pay off this debt. To no avail. They offered to have me pay off half of the debt which is about {$500.00} in one lump sum. I asked if theres any other options and they said yes, to pay the full {$1100.00} is dollars over time through multiple payments. They would n't offer a discount off of the total owed including fees.

Company response to consumer: Closed with explanation