milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-01-2018 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (VA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I opened an account with XXXX and made a purchase under a special financing agreement ( no interest for 18 months ). I established a direct payment through my checking account and payments were being made on time. At one point ( about 15 months in ), my direct payment arrangement was cancelled ( not by me ) and a payment was missed. As soon as I identified this I made a double payment to get back on schedule. For the last payment amount of {$120.00}, I did not receive my statement and did not make the payment on the XX/XX/XXXX deadline. My next statement received was on XX/XX/XXXX, and they had charged me with the full interest of {$260.00}, plus my remaining {$120.00} balance. As soon as that was received, I immediately called and filed a claim with XXXX XXXX XXXX ( associated with XXXX XXXX XXXX XXXX XXXX ), as well as, made a phone payment of the {$120.00} final payment amount. They stated I would receive a ruling by mail, which I never did. I just received another statement with a balance of {$260.00}. I called and spoke to a Sr account manager who stated my claim was denied, however agreed to remove half of the balance or ~ {$130.00} which I do appreciate. She stated that if I had called within 5 days, they would have removed it all. I did not receive the next statement until 7 days after the due date, so that would have been impossible. They said they would need proof of payment by XX/XX/XXXX, which I already told them I did not do because of not receiving the statement. I do not feel responsible for the remaining XXXX {$130.00} balance and am looking for assistance. I have a {$10000.00} credit limit at this store, but will not spend another penny if they don't make this right.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-09-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Account opening, closing, or management

Complaint: Three months ago, Bank Of America started charging me {$25.00} a month on my checking account. This happened right after they issued me a new credit card claiming a vendor was hacked with credit card information. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (GA).
Issue: Loan servicing, payments, escrow account

Complaint: NationStar Mortgage has drastically increased my escrow payment without consulting with me and my wife. I am currently at an 8.5 % interest payment and I have been trying for years to get a loan modification but all am getting is a run around. They will not even agree to refinancing my house.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Mortgage (Conventional fixed mortgage) with Residential Credit Solutions, Inc. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: The RCS Inc. transfer our loan to XXXX a XXXX on XX/XX/2016, they received a payment for XX/XX/XXXX on XX/XX/2016 but they never transferred that payment to XXXX. Now XXXX says that we are XXXX month of payment behind. Yesterday we received mortgage interest statement for 2016 and it shows one month payment only, but they got XXXX payments : XX/XX/XXXX and XX/XX/2016. They never transferred payment for XX/XX/XXXX to XXXX it looks like some of them put the money in to their pocket, the amount of {$3200.00} it 's gone.

Company response to consumer: Closed
Consumer complaint received 04/24/2016 about Debt collection (Credit card) with Colony Brands, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A place called Ginny 's is claiming I owe them about {$300.00}. I contacted the XXXX and the paperwork that they got back it was n't my signature they do n't have my social security number it 's just totally bogus and they 're threatening to put it on Collections and mess my credit up. There has to be someone who can do something about this issue.

Company response to consumer: Untimely response
Consumer complaint received 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Valley Collection Service, LLC (AZ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This is a complaint from XXXX XXXX against Valley Collection Services for Valley Collection Services failure to provide requested information for the debt alleged. On XXXX XXXX, 2017, consumer ( through legal counsel ) responded to the reporting on his credit report from Valley Collection Services with a written explanation and request for removal from his credit report.
It has been over one month since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation or removal makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/17/2017 about Other financial service (Debt settlement) with Richard J. Boudreau & Associates, LLC (NY).
Issue: Fraud or scam

Complaint: I was told, i could have my loans cut by 50 %. All I have to do was pay a fee upfront and then 30 days after I would agree to pay a certain amount monthly for 12 months and my loan would be paid off. This happened in XXXX. But now in XXXX, I started to get letters about paying for this loan I thought I already paid off years ago. Turns out I did enter an agreement to pay monthly with the right company but the Company i originally spoke to where the fee went to were scammers. No company heard of them and when i looked at my XXXX statements to get the name and search who they were. It says they closed down and had other complaints for asking for fee to settle loans upfront. Company that I think scammed me are called Richard J. Boudreau and Associates.

Company response to consumer: Untimely response
Consumer complaint received 03/16/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Advanced Collection Bureau, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I am writing about a collection account with Advanced Collection Bureau. This account was disputed and removed from my credit reports back in XXXX 2016. Now all of a sudden it has reappeared on my credit reports and I have disputed it on multiple occasions without any resolve. I am also under the impression that this agency is not license to collect in my state

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Credit reporting () with EQUIFAX, INC. (DC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filled for a chapter XXXX bankruptcy in the court of Maryland per my attorney but after further review I did n't need to file a bankruptcy. So the next day I withdraw the file and NEVER went in front of a judge. I have letter from my attorney and a letter from the bankruptcy court showing it was terminated on XXXX/XXXX/XXXX. I sent both letters to XXXX and they refuse to remove the error. The BK should have never been reported at all because it never happened. I also sent another fax on XXXX XXXX XXXX and they have n't responded in anyway. Please help because I am completely lost for words at this moment.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Mortgage (Conventional fixed mortgage) with BANK OF THE WEST (CA).
Issue: Settlement process and costs

Complaint: My wife and I applied for a HARP loan with Bank of the West and fraudulently misled on the terms of the loan. On the application, we specifically stated that we did not want an escrow/impound account imposed on the loan. During processing, Bank of the West changed our selection by adding an escrow/impound account without informing us. 

While we were at the title company to sign the loan documents, we discovered that contrary to our requirements, the loan provided for the imposition of an escrow/impound account. We immediately refused to sign the loan documents. The notary then called the loan officer at Bank of the West who assured us that the issue of the escrow/impound account would be resolved at a later time and urged us to sign the papers. If we were not given this assurance, we would not have signed the papers and would have backed out of the loan. 

We attempted to resolve the issue with Bank of the West. The bank told us that for this type of loan, an escrow/impound account was required by bank policy. If the escrow/impound account was bank policy, why did n't the loan officer inform us of this when we filled out the paperwork? Moreover, why did the loan officer assure us that the issue would be resolved after we signed the loan papers when he was certainly aware of the bank 's policy? This clearly constitutes fraud or, at a minimum, negligent misrepresentation by Bank of the West.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Ditech Financial LLC (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt collector is reporting a paid debt incorrectly and they are not being responsive in correcting the error. I 'm going through the process of buying a house and this blemish is holding things up.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2015 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Other

Complaint: I have not received a new credit card with a chip by the XXXX/XXXX/2015 deadline.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Debt collection (Medical) with Retrieval-Masters Creditors Bureau, Inc. (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Debt collector refusing to send validation of debt. 

Debt Collector also still calling AFTER I told them I was contesting the debt and that they need to send validation of said debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I submitted on line XXXX credit application now i have over XXXX on my credit i did not gave permition, to run my credit alos i am living or has lived at an address in XXXX XXXX which is where my ex wife lives also XXXX never lived there.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I CAN NOT GET THROUGH TO TRANSUNION IN THE UNITED STATES, EVERYTIME I CALL I 'M TOLD THAT MY CALL CAN NOT BE TRANSFERRED OR THE PHONES ARE NOT WORKING.

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 12-09-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: XXXX/XXXX/XXXX I ENROLLED AT XXXX CAREER CENTER IN XXXX XXXX FLA. 

MY GOAL WAS TO PICK UP A TRADE AND PICK UP A GOOD PAYING JOB TO SUPPORT MY BABIES, BECAUSE I HAVE XXXX KIDS. 

I ENROLLED INTO TWO PROGRAM AT THE SCHOOL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I COMPLETED THE PROGRAM AND WAS BEING PREPARED TO HEAD OUT IN THE FIELD TO COMPLETE MY XXXX AND OUT OF NO WHERE THE SCHOOL CLOSED ( WHAT HAPPENED NEXT ) 1. MY CREDITS FROM XXXX ARE WORTH NOTHING AND NO COLLEGE WANTS TO TRANFER AND ACCECPT THE CREDIT BECAUSE THE SCHOOL IS CLOSED 2. THE SCHOOL CLOSED WHILE I WAS ENROLLED AND DIDNT GET TO COMPLETE THE END OF MY PROGRAMS 3. XXXX DID NOT INFORM ME THAT MY ARREST/CHARGE WOULD OF STOP ME FROM WORKING IN MY FIELD. 

THE CAREER FIELD I CHOSE NEEDS AND REQUIRES LICENSE AND MUST TAKE A STATE REQUIRED TEST WHICH IS 10 QUESTION

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This Account Is Be Deleted It Has Been Resold

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 02/23/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I received several credit alerts through credit monitoring that there was negative info being reported by XXXX. I called them and they said they were not reporting anything negative. After pulling the credit reports they show current status as " contact XXXX for status '' but with all payments through XX/XX/2017 paid as agreed. I also paid my XX/XX/2017 payment a week early. Creditors are considering this negative and I was declined by XXXX XXXX due to this as " too recent delinquency on existing auto loan ''. Why is this reporting that way? It also shows ( I believe ) there is a dispute by me? I 've never disputed this account. Please correct this and note the account is paid satisfactory.

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 11-08-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Debt of {$270.00} reported by XXXX XXXX XXXX on XXXX XXXX, XXXX - did not receive any notification of debt. 

Debt of {$270.00} reported by XXXX XXXX, XXXX on XXXX XXXX, XXXX - did not receive any notification of debt. 

When collection agencies sell, transfer or no longer manage accounts they must update or delete the account. Two collections reports of {$270.00} which totals to {$550.00} is inaccurate and must be removed from my credit report.

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 01/29/2018 about Mortgage (Conventional home mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (MD).
Issue: Struggling to pay mortgage

Complaint: I have been making monthly payments on my mortgage of XXXX since XX/XX/XXXX. Carrington Mortgage took over my loan in XX/XX/XXXX. I advised them in writing that I would be sending payments by automatic deductions from my XXXX   account. I sent a combined payment thru XXXX  for a total of {$1100.00} on XX/XX/XXXX and XX/XX/XXXX ( I entered the wrong amount for XX/XX/XXXX payment and send a letter stating why the second payment ). Payment thru XXXX of {$1100.00} was sent on XX/XX/XXXX ; the XXXX XXXX payment was made on XXXX due to pay schedule. However the XXXX payment on XXXX was sent back to my XXXX  account on XX/XX/XXXX. In the meantime I received a monthly mortgage statement from Carrington that {$7100.00} was due on XXXX. According to the delinquency record on back page of that ; only one payment on XX/XX/XXXX was received. Then I got an intent for foreclosure letter dated XXXX stating I needed {$23000.00} to cure the default. This makes no sense since I am trying to make payments. The next payment from my XXXX  account to Carrington is today, XX/XX/XXXX. All the XXXX   transitions are documented. It appears to me the Carrington is deliberately trying to take my home. I am concerned about this. I did not know where else to turn.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
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 do n't understand how I can be submitting multiple pages of proof to the credit bureaus proving that these accounts are inaccurate and must be removed and yet, XXXX XXXX did not remove these accounts! Congress clearly states in XXXX XXXX XXXX  XXXX that the burden of proof is on the creditors and the credito bureaus and NOT me so how come nothing isbeing done to assist me? What other proof is required of me to show that these items are not reporting per federal law? 

I 'm attaching the lawsuit that clearly spells this out as well as my credit report and my actual disputes. I do n't understand who allows them to do this ( governement, etc. ) but this is a complete violation of my rights under the FCRA! 

XXXX XXXX XXXX You need to delete this account because its reporting so inaccurately, that I have no clue how its still on here. You didnt verify, correct or delete it, the issues are still there and you need to delete this immediately. 
Limit : Experian $ XXXX and XXXX  {$0.00} Past due : Experian and XXXX $ XXXX {$65000.00} Experian shows that I paid on time for XXXX XXXX an yet you show that I was late! How can that be? 
You are also still reporting late payments that make no sense! You state that I was late in XXXX of XXXX, and XXXX and XXXX or XXXX while XXXX clearly shows that I paid on time. Delete this account at once!

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 04/26/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On  XXXX   XXXX ,  XXXX  I purchased a mattress and box spring from   XXXX   XXXX  . They use Synchrony Bank for their financing. The cost was {$4700.00}. My payments are due on the  XXXX  of each month. I have been paying my bill almost a month early since the first month the bill was due. I do n't like having debt. On  XXXX   XXXX ,  XXXX  I received a message to ca ll Synchrony rega rding a past due bill. The call was answered by a non English speaking woman, so I asked to be transferred. I then spoke to a man who said he was in the collection department. He told me I owed {$220.00} the {$27.00} was the late charge. I then read him the dates and validation numbers for each payment. He told me that he could see the payments and that it is my fault because I pay ahead of time. He said he took the late charge off and brought my account current. I did n't get the feeling that he really did what he said and then I began to worry that th e may have re ported me to the credit bureau. I called back and again spoke toe supervisor who proceed to again tell me it is my fault and that he would n't even brother to see if I had been reported. He also told me he did n't even care if I paid my bill. This bank needs to change their computer to accept early payments and train their people to be customer friendly. From the comments I see, they really need to be put out of business. Please help me correct my problem before they destroy mu 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 monetary relief
Consumer complaint received 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (TN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have been charged with two charge offs by Chase Bank Credit cards for cards that were corporate cards. I attempted to work out terms with Chase but they would not discuss any arrangements when the cards were first reported as in default in XX/XX/XXXX. In XX/XX/XXXX Chase issued XXXX tax forms for the amounts of the XXXX cards and charged them off against my credit report. I paid the tax bill and was told that the charge off would not remain on my credit report after XX/XX/XXXX, but it continues to be reported even to this day a year after the no notice XXXX, and 8 years since the cards were reported in default.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/20/2017 about Debt collection (Other debt) with Credit Protection Association, L.P. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I noticed that this company has posted this item on my credit report even though I am paying a small amount every month. The company is also holding my XXXX XXXX XXXX Check which is at least enough or almost enough to pay this debt in full.

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 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Problem with fraud alerts or security freezes

Complaint: I tried to contact Experian to place a security freeze and lock both my credit report and credit score. I do n't want any financial institution or any creditor or any person or entity to be able to check my credit report or credit score. Experian did n't respond to me. Please lock and place a freeze on my credit report and credit score.

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 08/21/2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid this debt and I am currently trying to purchase a home, however, this collection is damaging my credit, which in turn is preventing me from moving forward in the home buying process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-12-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Actually I have a car payment account.but, It dos n't reported my payment history.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief