milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/20/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: After checking my credit report on or after XX/XX/XXXX, I noticed that mcm placed a time bared and fraudulent collection to my credit report named XXXX XXXX XXXX. I made several attempts by contacting MCM by phone to find out more information about the debt. During our conversation, customer service associate could not answer my questions and transferred the phone call to operation manager by telling me that he will be able to answer all my concerns. The operation manager could not answer my questions as well. I told him that this is a fraudulent transaction and requested to remove an account from the credit report or history. He replied that I need to discuss the matter with escalation team. They place me on hold for about 15 to 20 minutes and hang up the line. I do have all conversation recorded as I informed both the caseworker and supervisor. Also, I requested to stop harassing phone calls, and they refused to follow my requests. THIS IS A OLD BARRING DEBT FROM XX/XX/XXXX. I DID NOT RECEIVE A NOTICE OF RIGHT TO DISPUTE THE DEBT. THE COLLECTOR ONLY MAILED AN OFFER OF SETTLEMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/26/2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Credit determination

Complaint: As a longtime Chase credit card customer ( over a decade, all balances paid in advance of bill with a credit score of XXXX ), I recently applied for a Chase-sponsored XXXX XXXX card and was denied even though I currently only have XXXX other Chase card. The reason I was given -- " Too many credit cards opened in the last 2 years '' -- evidently reflects Chase 's newly enacted " XX/XX/XXXX '' policy of which applying consumers are not informed before the application/inquiry process. These are unfair and deceptive advertising practices. The policy unjustly limits the consumer freedom of those responsible individuals who open multiple credit cards per year for perfectly legitimate reasons. Should responsible consumers be punished for not buying into corporate debt and credit slavery?

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Delinquent account

Complaint: I am a loyal customer at AMEX from 1993. I Opened a new AMEX XXXX XXXX card and I decided last month to enroll it in auto pay. I got the confirmation. Today I received a note that my account is delinquent and they increased my rate, because the auto pay kicks in only after a month. In this way for the people busy ( like myself ) who do n't read a lengthy autopay confirmation that states this, it is a trap to increase their rate. This should be stopped, and forced these companies to remind you this if you did n't pay the dues before the autopay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My personal information was leaked from the recent Equifax security breach. The breach was reported to have happened back in XX/XX/XXXX. One of my credit cards, XXXX XXXX, already had fraudulent charges placed on it yesterday ( Thursday, XX/XX/XXXX ). I 've already contacted XXXX XXXX and took the necessary action to revolve it with XXXX XXXX. However, I 'm very concern that I 'm a target for further identity theft attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (OR).
Issue: Loan servicing, payments, escrow account

Complaint: Our original Mortgage was through XXXX. They were picked up by XXXX, then passed on to Greentree ( XXXX ). They got into trouble and was picked up by Ditech. When Greentree acquired our mortgage I was at a XXXX with my wife and out of the loop for over 60 days ( XXXX to XXXX ). I continued sending our payments to XXXX, they in turn sent the payments on to Green tree. Greentree jumped our payments, stating our Escrow account was delinquent. It was not, but we sent the extra amount without question. At the end of the year they had to return the overage back to us, some {$920.00} by federal law. Ditech tried the same thing about the Escrow account. We ignored the the request because we had received some {$1400.00} with the understanding it was an overage to our Escrow account from Greentree. We continued sending our original amount and have never been late nor missed a payment to Ditech. Ditech and Greentree tried to force us into refinancing by threatening foreclosure. We were referred to XXXX. We would have been approved and charged {$3000.00} and returned to Ditech as our mortgage holder. We refused the loan and continued to make our original payments. About 2 months back we received a package in the mail to reduce our payments from the original amount of {$630.00} to $ XXXX and adding the famous {$3000.00} to our $ XXXX amount left on the mortgage. We called for a final payoff and found Ditech had jumped our mortgage by {$3000.00} without our approval. We have been sending our payments of {$630.00} registered with a return receipt to prove we did not approve their offer. We have sent a complaint to Oregon Dept. of Justice and to the state agency that approved Ditech to operate in the State of Oregon. Copies of our complaints will be sent to your org. in a later submission due to scan problems.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Student loan (Non-federal student loan) with ACS Education Services (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Hello, I took out a private student loan from ACS Education Services in 2006. Each month I have made my payments on time. They almost always apply over % XXXX of my payment to interest and not the principal, so my balance barely goes down. When I contacted them about this they responded this, and this is on their website : Q : Why is n't my balance going down even though I am making payments? 
A : Payments are applied to assessed late charges ( if any ) first, then to any outstanding interest, and finally to the outstanding principal balance. You may have outstanding accrued interest that needs to be paid off first before you will see your loan balance begin to go down. Always remember that the amount of interest paid with your payments will be higher during the initial period of repayment and gradually decrease as your balance decreases. 


Yesterday I paid {$50.00} towards my loan, and according to them my outstanding interest was {$0.00}. I am attaching a copy of that payment and it shows that they took {$12.00} to interest. So what they are doing is unethical and possibly illegal. They are lying on their website based on the statements above. Similarly, the month before just before making my payment they indicated that I had {$51.00} in outstanding interest, but as you can see, they took {$76.00} of my payment and applied it to the interest. The remaining {$68.00} went to the principal. They did not respond to my inquiry about why so much of that payment was applied to interest. And, as you can see, in almost every one of my payments, a good deal more goes to the interest. 



What they are doing is unethical and unfair. They are not applying payments appropriately, and I believe it is to get more money from the students who borrowed money from them. They need to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Mortgage (VA mortgage) with UNITED SERVICES AUTOMOBILE ASSOCIATION (GA).
Issue: Loan modification,collection,foreclosure

Complaint: We received a modification in XX/XX/XXXX 2014. I was laid off of my Job XX/XX/XXXX of the same year. We applied for another modification Through our servicer USAA. We were denied and then appealed it because of missing information ( copy inclosed ). We were told that per VA guidelines we are only allowed XXXX modification every 3 years and only XXXX during the life of the loan. Please assist us with this. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I asked for XXXX XXXX to verify or remove account information from my credit profile that I feel is incorrect. The bases for my request is because each of the three credit reports XXXX, XXXX and Experian are reporting different and conflicting information. I asked XXXX XXXX for a copy of the signed application. The response I received to that request. " Due to the method of application, there is no application copy available. '' I asked them for a copy of the payment history. Since all 3 credit reporting agencies are reporting no payment history and varying dates of delinquency. the response I received " We do not report a date of last activity. '' that is convenient. " We are not obligated to provide all of the documentation you requested, '' I did n't receive any of the information requested.

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 03-07-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with AllianceOne Recievables Management (OR).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received notice of a debt owed to the XXXX for XXXX violations. I tried calling the toll free number several times during their business hours which start at XXXX, before I went to work and during their business hours a get a canned message that I have reached their company outside of business hours. It is XXXX right now and I tried calling several times. This has not been my first time trying to contact them without no luck. The issue is that the XXXX ticket we would like to pay but the ticket for the no insurance is being appealed with the XXXX court and I have a lawyer working on this. This collection action should be placed on hold and this should not affect my credit. But I only have to XX/XX/XXXX to contact the collection agency but I have no way to get in contact with them. How can a collection agency keep telling people you reached them after business hours when you are calling during business hours. This abusive and will end up affecting my credit for something that I have been trying to take care of for several weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I reached out to   XXXX   about a fraudulent inquiry on my report that was affecting my credit score because of multiple inquiries by the same companies. I never authorized my information to be shared with this company. I contacted the company, in which they initiated the information was factual and that it will not come off my credit report. They also sent out a letter for me to contact them about my dispute. The dates that they tried to pull my report was  XX/XX/XXXX  ad also  XX/XX/XXXX . I feel violated of my rights and the accusations that they are putting on me about the credit application I 've never applied for. I do not have any credit with them or have ever tried to apply for credit with this company. There was a freeze on my credit report and I was never notified of them pulling 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 02/26/2018 about Payday loan, title loan, or personal loan (Title loan) with Alliance Data Card Services (TX).
Issue: Charged fees or interest you didn't expect

Complaint: Dear sir, In the month of XX/XX/XXXX, we purchased furniture and " XXXX XXXX XXXX ''. They provided consumer financing advertised as 0 % APR for the first one year financed by XXXX XXXX. 

We availed that option, and within the first year, we were able to pay-off almost all of it. We were left with a balance of {$190.00} end of the year. 

While we were expecting that there will be only interest charged on the remaining balancing going forward after the 0 % APR expired, we were surprised to get charged a amount of {$670.00} as accrued interest on the account for all previous year 's balances, which we left very unfair. 

There was no verbal disclosure of any sort about it when we purchased it at the store, and even in the last statement that comenity bank mailed us, they did not disclose range ( $ XXXX- {$700.00} ) of the amount they were going to charge as accrued interest, if the payment is not made as of the last day. If their computers can print all the account information item wise, they should have the capability to print the range of accrued interest if the payment is not made. I overlooked their statement as it did not shoot out of normal, and when I called the bank, they declined to take the charge out of the account. 

As of yesterday or XX/XX/XXXX, I paid the account in full, but I ask your help in getting this reimbursed back. 

Thanks XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Mortgage (FHA mortgage) with PLANET HOME LENDING, LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Planet home lending took over my loan from XXXX bank earlier this year. When calculating my monthly mortgage payment, Planet Home Lending double charged me for my insurance bringing my monthly mortgage payments to somewhere around $ XXXX. I obviously fought this and after three long month was able to convince Planet Home Lending of their mistake and bring my monthly mortgage payment down to $ XXXX. This was in XX/XX/2016 and I have all the communication to proves this including an email from Planet Home Lending stating that " we are in contact with your insurance agent ''. I thought everything was settled as I have been paying $ XXXX since last XXXX but all of sudden, my XXXX monthly payment jumped to $ XXXX. I immediately called Planet Home Lending to find out what had happened for my mortgage payment to go up so drastically and they said that I did not have insurance since XXXX and that they did not know who my insurance company was? This is a total lie since we had gone through this whole charade seven months earlier and I had email proof that they had been in contact with my insurance. Upon digging a little more, I found out that my insurance premium had gone up during the year a total amount of {$210.00} and that Planet Home Lending had not paid the invoice which is why my insurance was cancelled. I must specify that at not time was I contacted by Planet Home Lending or my insurance to advise me of this sudden increase but beyond that, Planet Home Lending obviously knew who my insurance was because 1 ) I have an email from them stating that they are in contact with my insurance agent 2 ) They reduced my intial payment from {$2400.00} down to {$2000.00} 3 ) They made a payment on my insurance but were short of {$210.00}. If they did not know who my insurance was, who did they make the payment to? 4 ) My payments remained at {$2000.00} all year until this XXXX. All that being said, I have been fighting with everyone at Planet Home Lending but they refuse to admit their fault and every department passes me on to the next. I find it crazy that if I happened to be a day late on a payment they call me twenty times but when they have to put me on their lender based insurance at double the rate I was paying, nobody calls, emails or even sends a letter. I am at my wits end and hope you will be able to help me with this matter.

Company response to consumer: Closed
Consumer complaint received 02/15/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have been XXXX since 2007, contacted loan servicer asking why both lenders still show on my credit. Applied for borrower defense to pay. Was told hold up on both sides XXXX schools. No help no answers interest still adding up. Paid down free back

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (CA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: On XXXX/XXXX/17 a charge, " Other decrease '' of {$38.00} was charged to my mother 's account, whose only income is XXXX payments. I contacted Citibank customer service, who indicated that it was a charge but for a different account, which was closed years ago. They said they could not take my complaint and asked me to write to Citibank Exception Processing in XXXX XXXX, Texas. It has been a month since I sent them a letter and so far no response from Citibank.

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 03-10-2017 about Student loan (Non-federal student loan) with CITIBANK, N.A. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Citibank ( studentloan.citibank.com ) online account password requirements do not allow passwords longer than 8 characters. Per NIST guidance, password maximum limit should be at least 64 characters ( and 8 should be the lowest minimum allowed -- not the max, and not for sites containing sensitive data ). I am concerned about the privacy of my information on the Citibank website due to the password limitations. I contacted Citibank over a month ago and asked them to extend the password maximum character limit to a reasonable value, but, so far, they have not done so or indicated that a fix is in progress.

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 05/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TekCollect Inc. (WI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I was about to set up the monthly payment when they called me monday XX/XX/XXXX and be ready. But they called me again today but I missed the called but I do know they were gon na force me to pay. But I am making a payment plan through XXXX College the right way.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Checking or savings account (Checking account) with KEYCORP (CT).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I open a checking and saving accounts back in XX/XX/XXXX in Key Bank I have nothing but headaches from this branch is like pulling teeth with your own money. The unauthorized transactions made in my accounts they still have not been neither fix or credit back to my accounts till this day. After is clearly in my account of such unauthorized transfers. Just recently on XX/XX/XXXX {$300000.00} and the rest of my money was swiped out of my accounts completely and after numerous complaints still my money hasnt been credit to my accounts. I want all my funds the same way I put them in this bank. This is the biggest fraud I had ever seen done to an individual.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Using a debit or ATM card

Complaint: There was an unauthorized use of my debit card on XXXX XXXX, 2015 @ XXXX. at XXXX located at XXXX XXXX XXXX, XXXX NY XXXX in the amount of {$41.00}, transaction ID XXXX. A second attempt was made for a larger amount, but was declined. My debit card was not lost or stolen so I canceled this card on XXXX XXXX. The only time I used my card on XX/XX/XXXX was at XXXX in the XXXX XXXX XXXX in XXXX, NY. I noticed the charge when I was checking my online account and I immediately contacted my bank.

Company response to consumer: Closed with monetary relief