milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/15/2017 about Debt collection (Other debt) with Monterey Financial Services LLC (NM).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: In XXXX of XXXX I purchased a diamond ring from XXXX, I put down XXXX XXXX dollars on that ring and my payments were XXXX a month. I put this account on auto pay. Account number XXXX. I put this account on auto pay. I was never late for more than two years, they sent me a payment book, so on the last payment in my book I made the payment then closed out the account. A month later I recieved a cll from Monterey stating I owed them one more payment at a balloned cost to close out the account. They advised me because it was the last payment I had to pay more to close out the account. I advised them I still have the payment book in my possesion, and I did in fact make the last payment. I tried to settle this account at the payment I had before I closed the account. Monterey advised me they would not except that payment. I did not recieve anything in the mail advising me I had another payment, and I did not recieve anything in the mail about the last payment being larger than the origanal payment of XXXX. I finished paying on this account in XXXX of XXXX. I was never late and I never spoke to Monterey for overr two years until the last payment issue came up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with U.S. BANCORP (IL).
Issue: Fraud or scam

Complaint: This started out as I was told that my loan was approved and upon this approval they were to put the money into my checking account, I was suspicious but I had worked with a loan place before and this was their procedure and upon normal banking process as I checked to see if it was deposited and it was so I began use my debit card and I got notice that this check did not go thru and they retrieved monies from my account. I have been desperately seeking help and any solutions to this problem because now I am unable to open any checking accounts from all banking institutions. I am in need of a checking or savings in some way due my profession because to handle the amount of cash just puts me at risk for bad things that can result into me being trastically hurt. Please help or steer me in the right direction.

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 07/20/2016 about Credit reporting () with EQUIFAX, INC. (OR).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX appears on my credit report as an open collection, however it was discharged in bankruptcy. It should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Diverse Funding Associates LLC (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I was young and stupid, had a addiction problem and was having a baby. Wanted to buy my girlfriend a very nice promise ring. So I did. Ended up getting fired from my job I had. And could not make a payment whatsoever. Tried explaining to  XXXX  then DNF. I told them I would possibly be able to make a payment around  XXXX ,  XXXX     2017. B ut could n't. Was unemployed. I really learned my lesson, but there should be a forgiveness of this. I am just now  XXXX , getting my life together. And ca n't even get another credit card or bank account due to this. I do n't quite think company 's understand the harsh impact on young adults in this type of modern day economy/society. I am asking for this to be removed from Derogatory. I need to balance my life back out and start over.    DNF ASSOCIATES, LLC.     XXXX   XXXX   XXXX   XXXX , OH Another thing is the amount of inquiries I have on my report. Literally I do not understand how they have legal rights to sit and camp out on my report when they knew they were going to turn me down to begin with. I will list the companies and the dates in documents below. I am trying to start over. And o have not done anything to not deserve a chance to re-new. For all of you young folks, do not!! I repeat do not!! Open a account with ANYONE! Until you have your life together, or just have mommy and daddy to cover you.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Checking or savings account (Other banking product or service) with MORGAN STANLEY & CO. LLC (OR).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Letters to XXXX XXXX dated XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. After calling the company who could find no record of my account but stated they had a fire 15 years earlier in their records storage building. Second call with my brother XXXX XXXX with no satisfaction I wrote to the XXXX, XXXX XXXX. 2nd letter brought a response, also not satisfactory. 
Letter in response from XXXX XXXX XXXX/XXXX/XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX has reported a 30 day late payment forXX/XX/XXXX on my credit report. The account is always due on the XXXX of the month and I 've paid it every time since opening the card in XXXX. As usual I entered a payment online before the XX/XX/XXXX due date using XXXX XXXX 's website. I believe the system had an error and did not process my payment. I was unaware until I saw the late payment on my credit report. It was a small payment and I always pay at least the amount due. The limit on this card is {$500.00}. My name is 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 08-03-2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (SC).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I purchased a new vehicle in XX/XX/XXXX. My first payment was due XX/XX/XXXX. I did not receive any information regarding where to pay may bill until a week before the payment was due. I attempted to log into my account multiple times, but the company 's website continually states " We could not locate your account. Your information does not match our records. '' The message goes on to give a toll-free phone number and the hours of operation. When I called the phone number, I would be put in, what I assumed was some kind of call queue. No one would answer the phone. I did finally get to make a payment. However, the only way I could make the payment was to pay {$10.00} more than my agreed monthly payment and I had to make my payment via XXXX XXXX. The company did call me on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but they called me while I was at work. It is my understanding of the Dodd-Frank act, that debt collectors are not permitted to call you at work. They left a phone number for me to call them, but were not and are not available outside of my working hours making it almost impossible to communicate with the company. I was able to call the company on my way to care for my elderly mother at lunch time. Since I did not have a computer to use while I was driving, the individual I spoke with told me she could not help me. She stated that I am entering incorrect information in the registration form. While I did not have my account number with the company with me at the time - I do not carry such information with me wherever I go - I did verify my social security number which is the alternative form of sign-up on their website. She state that was correct. I have attempted multiple times since then to try to get logged into my account. When I try to sign into the website, I still get the same message " We can not locate your account.... '' My next payment is due tomorrow. I attempted to log in again this evening. Again I got the error message. I have screen-shots of my attempts to log in with the messages. This company is doing its best to unfairly deceive consumers purposely making it difficult to pay their bill in an attempt to force them to use XXXX XXXX and to force customers to pay more than the agreed monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IA).
Issue: Billing disputes

Complaint: My capital one credit card is charging me outrages charges for interest and cash withdrawals and will not let me complain about a fraudulent charge.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Debt collection (Other debt) with AFNI INC. (MN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Afni is reporting a debt from XXXX on my credit report. I have requested this account be verified through letters to the Credit Bureaus, dated XX/X/17. This debt was removed from my XXXX report, therefore not verified, however it continues to come back as verified through XXXX. I have no knowledge of this account belonging to me.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Mortgage (Conventional home mortgage) with Statebridge Company (NC).
Issue: Struggling to pay mortgage

Complaint: XXXX sold my mortgage to Statebridge. I had a financial hardship and got behind, making payments by money order, and tried to work with XXXX over the phone to get caught up. When I called Statebridge on 3 occasions, the rep would not take my payment, citing either lack of information about previous verbal agreements I had made, or the need to talk to a supervisor and get back to me. Each time, I would wait two days and then call, and always I was told supervisor was reviewing. I said I was just going to make a payment over the phone, but was told it would not be applied to catch me up. I should have contacted a lawyer at this point. 
The last time I made a verbal agreement to catch up on payments, I asked for an email or written mailed account of the agreement, and did not receive it. But again when I called I was told no agreement was in place. I then received a foreclosure notice.

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Mortgage (Conventional fixed mortgage) with FLAGSTAR BANK, FSB (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I try a loan modification with Flagstar for 5 years, and they keep losing the paperwork

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (VA).
Issue: Application, originator, mortgage broker

Complaint: My wife and I had voiced a complaint about the mortgage process and made several requests for information about how " points '' and their cost were determined. The refi agent has n't replied since then. We then decided to cancel the loan application and notified the agent did not reply and continued the loan processing, We received a notice from XXXX that a hard credit report was requested by an agent of the mortgage company several weeks later.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Debt collection (Medical debt) with Phoenix Financial Services LLC (SC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: This debt from this company is 4 years old which was previously taken care of back in XX/XX/XXXX with my insurance, and now they've decided to place it on my credit in XX/XX/XXXX, which was outdated and never reported within the time frame of 60 days after the debt occurred. In fact according to the FDCPA is too old to collect on, being that interest is added to an old debt that should have been reported back in XX/XX/XXXX not 4 years later. I called and spoke with a rude representative who threatened that this would continue report to my credit even after I advised that this matter is incorrect. I am in the process of buying a home and this is hindering me from moving forward and it's causing emotional and physical stress. I am in the process of filing a lawsuit if we can't get this matter resolved correctly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Management Services, Inc. (NE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: When my husband left me in XX/XX/XXXX, I struggled to survive. I had a dentist bill of about {$00.00} and a electric bill of about {$600.00}. A credit agency got a judgment against me I could not pay. 

now, just today in XX/XX/XXXX that agency garnished my wages for {$430.00} per month. I am a single mother and me and my XXXX kids will not be able to make it if they succeed in doing this to me. 

I have since that time rebuilt my credit and I work full time. I am making it by the very thinnest of margins. I checked the law and the Statute of limitations has long, long since past by years on this debt. The have it worked up to {$4000.00}. now. The garnishment is illegal. But the credit agency just does what it likes, knowing that I can not afford an attorney to protest this. They figure we can get away with it XXXX times out of XXXX and the worst that can happen is XXXX in a while someone will make us stop. Most cant. Me being XXXX. Why do these credit people just do as they please with no accountability? 

This collection effort is some 6 years beyond the legal statute of limitations. And I will begin to suffer the garnishment next week. 
I beg you to help. This is illegal and will devastate me and my XXXX kids lives.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2015 about Debt collection (I do not know) with GLA Collection Company, Inc. (IN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Repeated calls

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: There is grave discrepancy on my Equifax credit report that urgently need correction. I have copies of my current credit reports through third-party services like XXXX XXXX and XXXX XXXX, which clearly show the matter in dispute. This issue is depressing my Equifax credit score by around XXXX points, when compared to my XXXX report, which correctly does not list the issue as a derogatory. All other information listed on my XXXX credit reports is essentially identical. 

In order to file the dispute with Equifax, I need a " credit report number '' from them. However, each attempt to access it through Equifax or XXXX fails to produce the necessary report with its " credit report number. '' I always receive an error " We are unable to honor your request, '' even though I have submitted the correct personal identification information multiple times, even from different web browsers. 

If third-party services can pull the current report on demand from Equifax, there is no reason Equifax itself should not be able to produce the report ( with the " credit report number '' required to submit the dispute ) with the identical personal information. 

This feels like a scam to get me to purchase some reporting service from Equifax, which I do not need, except to report the mistake in their records. 

Please advise a path forward for either receiving the required " credit report number '' or to submit a dispute to Equifax without it. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I was looking at my credit using XXXX XXXX and I noticed a few accounts and inquiries that I did not recognize. This made me wonder who could have used my credit so I asked my family and they all said no. I immediately contacted the bureaus and placed a fraud alert on my credit report. 

Reporting on Equifax XXXX XXXX XXXX with account number XXXX XXXX XXXX XXXX with account number XXXX XXXX XXXX  on XX/XX/XXXX Reporting on XXXX XXXX XXXX  XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX Reporting on XXXX XXXX XXXX XXXX  with account number XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX on XX/XX/XXXX I have been told by each bureau that the accounts and inquiries will be removed. However no change has been made and this is starting to effect my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/28/2017 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: My credit report showed a credit inquiry by your company that I do not recall authorizing I understand that you should not be allowed to put an inquiry on my file unless I have authorized it Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit This account is paid I have sent this letter because I need your prompt response to this issue Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed If you find that I am wrong and you did have my authorization to inquire into my credit report then please send me proof of this

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Shellpointmtg.com continues to refuse to apply " principal only '' payments to principal. Every month Shellpoint manages to incorrectly process my payments to acquire more money than they are legally entitled to, e.g. charging two months of interest for one month. Shellpoint told me over the phone I can not pay principal only payments via the phone or internet, so I always send them via US mail labeled as " Additional principal '' payments. I abide by this strange mailing restriction. However, Shellpoint has consistently wrongly applied these payments into extra interest by including them as second mortgage payments for the next month. They told me they would not do this again and they noted in my file to apply extra money towards principal. Nevertheless, in my XX/XX/2016 statement, I see many errors again. Shellpoint " fixed '' my $ XXXX principal only payment from two months ago by postdating it to the end of the month instead of the beginning when they received it to ensure I would pay more interest ( their standard operating procedure it seems ). They also applied my extra principal $ XXXX for my XX/XX/2016 payment to " partial payment unapplied '', put into a separate suspense account. Doing this consistently every month is VERY BAD! Shellpoint MUST learn how to legally process principal only payments. So the $ XXXX is applied too late and the $ XXXX is sitting in limbo, not counting towards principal. Sending principal only payments is a very common thing to do, so all mortgage companies should know how to process them. I ca n't keep begging Shellpoint every month to apply my money the way I specify in the payment stub. How can I get legal and fair treatment to resolve this?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Debt collection (Mortgage debt) with FCI Lender Services Inc. (MI).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: On XXXX XXXX, XXXX to this Day XXXX XXXX, XXXX, I received calls and was threaten by the XXXX XXXX Department from FCI Lender Services , Inc.,  XXXX. XXXX XXXX, XXXX XXXX, CA, XXXX, ( XXXX ) that I will be foreclosed and arrested from my home if I do n't pay the remaining balance on my Mortgage. 

My Home Mortgage was sold to this company by XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX, ( XXXX ) As a XXXX XXXX Veteran, I 've lived in my Home for 26 years, I simply want to pay my Mortgage off with the Modification I had before it was sold to this company. Currently, The FCI Lenders , Inc., has over charged the value of my Home -Mortgage. My Home has been appraised at {$140000.00} for my area- yet, FCI is demanding I pay {$260000.00} Cents for my home -- this is fraudulent and wrong.

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 10-07-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX- I would like for this XXXX ( XXXX ... ) account to be removed from my credit report. I have mailed several request for Equifax to do so. I have also called XXXX and they said to dispute directly with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2016 about Credit card () with JPMORGAN CHASE & CO. (DC).
Issue: Transaction issue

Complaint: I have a XXXX. When choosing a credit card company, my wife and I are always careful to choose a company that has strong system to monitor unusual or suspect activity, which Chase clearly advertises. Also, our credit limit was to be {$24000.00}, but Chase enabled charges of up to {$55000.00} within the same cycle with daily transactions of up to {$10000.00} ( which would be both unusual and suspect ) without consistently alerting either my wife or me. We incurred more than {$60000.00} in credit card debt and were able to bring that amount to {$41000.00} with no means to make the minimum payments. We immediately reached out to Chase to explain our situation and believe that Chase should also be liable for the fact that they did not fulfil their duty of protecting their clients.

Company response to consumer: Closed with explanation