milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/14/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have sent Equifax several letters over 3 months requesting validation of the XXXX account they have on my report. I have not received any paper work like I requested that XXXX is indeed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2015 about Debt collection (Credit card) with CITIBANK, N.A. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Either a Macy 's customer used my phone number or their debt collector randomly selected mine and attached to delinquent account. I asked not to be called again. Called again less than a day after I requested for the harassment to cease. I called the XXXX number left on voicemail by XXXX XXXX. She verified by last XXXX of the SSN that I am not the account holder.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (NC).
Issue: Loan servicing, payments, escrow account

Complaint: SPS bought my loan from XXXX a couple of years ago. This year, they began trying to raise my mortgage payment up to more than {$200.00} a month. When I asked for an explanation I got different answers from different reps. The first told me that XXXX County had contacted them and told them I had n't paid enough in taxes in 2015. I viewed my tax bill online and called the county tax assessor. Not true. I paid in full and early. The next rep told me that SPS had underescrowed and the {$200.00} more a month was to address the deficit. At the time, there was about {$1900.00} in my escrow account. NC allows lenders two months of escrowed amounts. My escrowed items are {$580.00} a month, so they already had more than required. But, it was either {$200.00} more a month or I needed to pay a lump sum of more than {$2000.00}. Other letters followed these conversations. One reached way back to when my loan originated with XXXX bank and gave me a balance that was about {$75000.00} more than I owed. Another letter said the extra escrow amounts would be spread over two years at about {$40.00} a month more. Another letter said they only needed to increase my payments by around {$30.00} a month. Today, I was told that SPS discovered I had overpaid and they issued me a check in XX/XX/XXXX. I never got one. Today, I was also told that there was a deficit of only {$41.00} in total. Throughout this I have continued to make my same payment of {$1500.00}. My account shows that my monthly payment is {$1600.00}. But, there is no balance carrying forward and no late penalty assessed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: i was a victim of identity theft, so i put a freeze on my account. due to the identity theft, under california law i can freely do temporary lifts. at equifax and experian i can easily go to their freeze website and use the pin they sent me to temporarily lift the freeze, but at transunion i was forced to setup an account and even then using my pin i 'm charged {$10.00} to temporarily lift the freeze. i 've called to manually lift the freeze, but that is a long process since it is almost impossible to get to someone to speak to and impossible to do on the weekend. i 've asked them various times to fix it and the response i get from customer support ranges from, we ca n't to next time it will work ... it has become so burdensome that i 'm willing to pay the {$10.00} to do the lift.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Debt collection (Other debt) with Atlantic Credit & Finance, Inc. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: I had a Line of Credit for {$20000.00} with   XXXX   of Florida and 5 years ago I stopped the monthly payments because I was renegotiating with them a Mortgage for my House. I   XXXX   XXXX   XXXX   I renegotiated the Mortgage and in   XXXX   of the same year I received a Law Suit from  Atlantic Credit and Special Finance Unit LLC t o collect the total amount of the Lines of Credit through its Attorneys   XXXX   XXXX   XXXX  . I answered the Law Suit saying I did n't have any  deb with Atlantic  and I had never received a Notification from Beneficial informing that my account had been sold.   Aft er one year they filed a Motion  to Mediation but they did n't give me the opportunity to choose the Mediator and did n't follow the Procedures of the  XXXX   XXXX  Court to go to Mediation. The day of the Mediation I attended the meeting but I told them that I wo n't participate because the irregularities they had done. At the beginning of this year there was a hearing in  XXXX ,  XXXX   XXXX   Court,  which was not attended personally by  XXXX  and the Judge accepted an Order to compel to mediation by   XXXX   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 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have an Account with XXXX XXXX. My credit report reflects that a 30 day late payment has been reported for XXXX and XXXX XXXX. This is incorrect. I contacted XXXX who concurs that my account has never been late. They informed me that they could not send me a letter but I would need to dispute directly with the credit bureaus since they do not see me in their systems as every having been paid late. I have disputed with all three credit bureaus with no success. I am in the process of applying for a mortgage and this incorrect reporting is penalizing me. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Mortgage (FHA mortgage) with Seterus, Inc. (UT).
Issue: Loan modification,collection,foreclosure

Complaint: Since our Chapter XXXX Bankruptcy discharge in XXXX of XXXX, communication with Seterus has become very difficult and questionable. Today we talked with a certified HUD counselor who informed us of this option of filing a complaint. We also discovered today as we reviewed our case, that the loan modification finalized in XXXX of XXXX was not recorded with the XXXX Office until XXXX of XXXX. Other issues : we have n't received monthly mortgage statements ; sent into foreclosure without a notice of default being filed. Differences in amounts owed versus recorded amounts paid. Non receipt of payments following bankruptcy ; we sent payments in to reinstate the loan, only to find out later that payments needed to be certified funds ( re-instatement letters indentifying this requirement received after funds were sent in ) ; Seterus unwilling to certify funds received by calling banks ; receiving different information with each phone call, sometimes within hours of each other ; an overall lack of willingness to assist in resolving our circumstance by hiding behind, unreasonable company policies and guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2015 about Mortgage (Conventional fixed mortgage) with ALLEN TATE MORTGAGE SERVICES (NC).
Issue: Settlement process and costs

Complaint: I closed on my home on XXXX/XXXX/15 with a mortgage underwritten by Allen Tate Mortgage out of XXXX, NC. On XXXX/XXXX/15, I was contracted by Allen Tate to provide numerous pieces of information previously provided during the credit approval process prior to funding which I can provide back up for. Additionally, they want to come in my home to get more appraisal information on a closed loan 45 days later. They are saying the document I signed indicated I had to help them in any way they required but it says clerical errors and reasonable requests. The loan process is very arduous and I met all requirements and closed on my loan and now am being harassed by the lender. Additionally, it seems as though they have misplaced all the statements, pay stubs, etc in my entire file which they are asking me for again. Upon asking their Compliance Manager, XXXX XXXX where my personal data was and why he could not validate he had it, he said he was investigating further. My mortgage person at Allen XXXX, Nick XXXX will not return any calls on the matter nor tell me if I should forward the XX/XX/XXXX payment to Allen Tate Mortgage or the other company which sent me an email but has not sent me a statement. I am a XXXX year old female XXXX who saved and bought my first home and feel very strongly that this is harassment because of my gender and age as through every step of the process they have avoided my calls, repeatedly asked for additional info, charged a higher rate than originally quoted by a 1/4 point, closed the loan and now are asking for all the info previously sent 45 days after closing, this is terrible and not reasonable. Other consumers should be made aware of these poor and discriminatory business practices and do not listen to your Allen Tate real estate agent if they recommend their mortgage arm. Please help if you can and warn other females to stay away from this company! Thank you fir looking into this matter further.

Company response to consumer: Untimely response
Consumer complaint received 10-11-2017 about Vehicle loan or lease (Loan) with U.S. BANCORP (TX).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: US Bank does not notify customers if/when any payment has not successfully gone through. They are clearly making the paying option so extremely difficult so they can collect additional fees for " late payments ''. 

Each payment must be made by inputting your routing and bank account number EVERY time you wish to make a payment. Once completed, they immediately credit your account. 4-7 days later if there is any typo in those sequence of numbers, or if US Bank could n't define it as a savings or checking account, they refuse the payment and do not notify the borrower in email, letter or online message that the payment was unsuccessful. They mark your account late and reverse the payment. In doing so they fraudulently back date the payment reversal to the day payment was made ( which is completely erroneous ). 

In my case, the payment was made on XXXX/XXXX/XXXX but on XXXX/XXXX/XXXX they reversed the payment. However, on their end they falsify the report stating is was made and reversed XXXX/XXXX/XXXX. Additionally, I receive a letter in the mail when payment is due, an email when payment is made and NOTHING is emailed, messaged or notified when the payment was unsuccessful. They also do not indicate why the payment didnt get applied. they can not definitively say it was a typo on inputting the data, or a outright error on US Banks end. 

This company is clearly doing this to erroneously add fees to consumers accounts. They are not trying to remedy this matter. It requires consumers to call them days/weeks later to try and figure out why they have refused the payment. Resulting in customer service not being able to tell you why, how or what cause the reversal. 

I believe US Bank is violating the FDCPA and FCRA. They should be investigated as not so many consumers are now aware of their deceitful acts as I am. They need to be compliant like all other lenders who are running a reputable payment option. I 've never seen something so antiquated and illegal occurring with what should be a big bank.

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 04-08-2015 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: XXXX XXXX Bank XXXX, has Fail to validate at my request on XX/XX/XXXX there is no date of last payment, the last payment made was XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (LA).
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint: I have tried contacting Santander consumer usa multiple times regarding my loan. They are charging me the max interest rate on my car loan. It is making it almost impossible to pay this car off. Its absolutely unfair that they are legally allowed to do this to people. 25 % interest on a XXXX car loan is robbery.

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 Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am about to retire and can't open an on-line account with Social Security. The reason is the security questions are based on info supplied by I believe Experian. None of the info is mine. I thought is was XXXX and notified them. I got a confirmation number datedXXXX. But nothing was done. Tried many times submitting on-line. Nothing. Tried same with XXXX. Did get an email through and they gave me a case number on XXXX. Despite many online attempts nothing. I wrote you but think it didn't go through as site was acting up. I have no retail card or other charge cards. I have no auto loan. I have no student loan. I have no mortgage or refi on home. Both agencies report I have all of aforesaid. I am embarrassed to say but I was receiving food assistant from government for some that the period. I just want them to correct info in file and relay to SSA. In addition my home insurance is slightly higher as they use this incorrect info too.

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 06/30/2015 about Debt collection (Auto) with NATIONWIDE ACCEPTANCE CORPORATION (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: nationwide west LLC ( Illinois based loan company ) has been calling my business phone up to XXXX times per day from various listed and unlisted phone numbers from every state regarding a less than 30day late missed payment. ridiculous and harassing! they even call people I know asking them to forward me a message to call them back! talk about crossing boundaries!

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2016 about Credit card () with JPMORGAN CHASE & CO. (CO).
Issue: Other fee

Complaint: I applied for and received a credit card from Chase. I called the number they provided with the card to activate it, which was XXXX. I was told that the activation system was down and they could not activate the card at that time, but they offered to send me a {$100.00} gift card as a token of their appreciation. I said, OK. Then they said I would have to pay a {$4.00} handling charge. I asked if this was a one-time charge and the person said, yes. 
He then, very quickly, read some terms and conditions. From this, I gathered that they were signing me up for some type of service, which would have a monthly fee, because I heard him say I could cancel by calling them at a later time. A that point I told him I did not want this and to cancel it. 
I then went to their website and was able to activate my card immediately. So, I believe they were lying about their activation system being down. 
I believe this is a scam to sign up customers for some type of monthly service with ongoing charges. This seems similar to what XXXX XXXX was doing and possibly worse because it appears to me that they are lying to their customers in order to sign them up for services they do not want. 
Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I filed a chapter XXXX bankruptcy in 2012 I was not advised that this would not be able to be discharged after completion, I got a new job and decided I could pay the bills that were on this bk so I had it dismissed I sent the information to the credit bureaus XXXX and exprian refused to remove it, I feel that this should be removed as I was not informed of the discharge status and I dismissed it and paid the creditors.

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 07-08-2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (PR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Midland Funding bought a debt from XXXX ( South Dakota ) XXXX Midalnd claims it 's a debt I owe. I send them a request for verification and they could not provide any evidence. I informed them I never have process a loan with XXXX. The debt shows on my credit report rendering bad score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/14/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I made a payment on XX/XX/XXXX for my bank of america account and i received verification via email. 
The next day I was charged a late payment fee of {$27.00}. 
I was not notified until XX/XX/XXXX that they payment did not go through. 

This was paid on time. I am not responsible for any bank errors.

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 10/24/2016 about Credit card () with DISCOVER BANK (LA).
Issue: Billing disputes

Complaint: I approved a {$50.00} charge and was overcharged by over {$1400.00}. My credit card receipt was signed by someone at this establishment. My credit card company ( Discover ) refuses to compare my signature to the signature in question.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (OR).
Issue: Managing the loan or lease

Complaint: I had a high interest XXXX loan for years with a high balance. A couple of years ago Springleaf Financial took over the loan. I finally paid the loan in full XX/XX/2015. I checked the statements for a couple of months to make sure the balance was truly XXXX. Since I did n't use the account I did not keep checking the statements after that. Because I always have a balance in the thousands I never realized I was being accessed an annual {$50.00} fee on top of the high interest rates. So in XX/XX/XXXX they accessed an annual {$50.00} fee I did n't look at my statements because I expected the balance to still be XXXX. When it did n't get paid they reported it as " over 30 '' to all XXXX credit bureaus. 

I did n't know there was an issue until I tried to finance a car and my credit score had dropped XXXX points! I called that day and paid the balance and closed the account. I then called customer service and at their urging I wrote to their complaint department and when that did n't work I even tried writing to the CEO of Springleaf and all rejected my requests to have the harmful information removed from my record. 

I understand that legally they reported accurate information. However, it was a ridiculous honest mistake and I feel they should give a long term client the benefit of the doubt.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: On XXXX XXXX 2017 a medical debt has been placed on my credit report. I have contacted the company and they are not understanding the 180 days before medical bills can be place on a credit file. Since it has not been 180 days I would like this removed from my credit report. I have contacted my insurance company and they working to fix the issue. The bill should have been paid by my insurnace. Please removed this from my credit report. 
Thank You, 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 03/23/2015 about Debt collection (Medical) with ASSET MANAGEMENT OUTSOURCING, INC. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had an agreement to pay on medical bill monthly. After sending in payment for XXXX it was turned over to a collection agency. This however, may not have happened if I had not gone to the billing office to dispute a charge. On several occasions when I pay my co-pay at the doctors office I am later billed for it. I tell them I have my receipt, they tell me its for Lab work, they send it to collection. Collection called to tell me its for Lab work, I go to Billing Office, show my receipt for office visit paid, they tell me its for Lab work, I paid the amount they ask for to get it out of collections. I called Insurance Company, they tell me I do not pay for Lab work if it is done during my visit. The Insurance Company calls the Billing Office, told them I was not responsible for the bill. The Billing Office was to call Insurance Company and Physicians Office to confirm charges, however they did not call the Insurance Office, Physicians Office or me. They will not accept calls from anyone concerning this bill. I do not dispute owing the medical bill, I do dispute the amount because they have accepted XXXX payments since turning it over to collections. I believe that a company should honor their agreement when given. I do not want to lose the physician I have now, but if I have to change I will go back to the old clinic ( never had a problem with billing ). I am not the only one that has had this problem, the ones I have spoken with are afraid of losing their physician. This company is to large to resort to these tactics. I have paid my bill down from around {$3400.00} to XXXX, why send it to collection now? I did not receive a statement this month, but I sent the payment I agreed to pay. The statements you receive are very confusing, its as if they do n't want you to know what you owe or what you have paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation