milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-03-2015 about Credit card () with SYNCHRONY FINANCIAL (GA).
Issue: Late fee

Complaint: The monthly payment on my credit card is usually due for payment on XXXX of each month and I make my payments electronically through my bank, regularly on the XXXX or the first working day of each month. When I checked my statement online today, I found that my account has been accessed a late fee of {$38.00}. I further checked my previous statements, only to find that the company started accessing my account late fee as far back as XX/XX/XXXX. I spoke with one of the company 's associates on the phone. She indicated that I have been paying my monthly due amount too early than their billing circle. She agreed to remove only the late fee accessed for XX/XX/XXXX, without removing those accessed from XX/XX/XXXX-XX/XX/XXXX, nor the interests charged on the late fees. It is sad, rather for the company to praise my efforts at making payment ahead of time, I am being charged late fee. I think this is another form of fraudulent credit card charges, when someone is penalized for meeting ones obligation ahead of time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/17/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (IL).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: On XX/XX/ I checked my citicards.com dividend card balance and noticed that they had approved me for a credit line increase. Also during that visit, Citi claimed I could use the new credit line increase for a balance transfer at 0 %. I took them up on their offer and transferred an additional balance to my card. I incurred an approx. {$180.00} fee. 

On XX/XX/XXXXI received a letter from Citi explaining that my credit line was erroneously raised and now I owe in excess of {$6000.00} by this month 's ( XX/XX/XXXX statement ) due date. 

This is where the fun started. I called CITI ( call center 32 - somewhere in Missouri ) and reached XXXX and XXXX ( the supervisor ). I informed XXXX that I would pay the balance, but wanted my {$180.00} fee back before my payment. I had to explain it to him again as he did not grasp the situation. I then asked to be transferred to a supervisor. XXXX, the Missouri call center 32 supervisor - at an undisclosed location, without an employee ID number- explained to me that only after I pay back the {$6200.00} dollars will I get my fee back. He stated that he would do so as a " courtesy. '' Remember, they erroneously raised my credit line and allowed me to balance transfer on the portion they took away. 

I then asked to be transferred to XXXX 's supervisor - at Missouri call center 32 - in the unidentified location - where no-one has employee IDs. XXXX stated that XXXX - the supervisor was currently in a meeting and unable to speak. I asked to hold, but XXXX stated that the phones only hold for 60 minutes. XXXX the supervisor - at Missouri call center 32 - in an undisclosed location - where no one has employee IDs must be a very busy man. 

So, as a customer for over 21 years, I want the balance transfer fee waived - a fee that really was never in existence because of CITI 's error. I want it done before I pay them > {$6200.00} this month also because of their error. Contrary to XXXX 's claim of showing me courtesy, Citi has shown me nothing but disdain on-top of their incompetence..

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 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: Equifax and the others will be making money from the victims of the Equifax fraud as the solution, freezing the account, costs money. Equifax should not onlyl pay for each of these freezes and subsequent defreeze, but also set up a fund for the victims. 
Please do n't allow yet another fraud on the consumer victims be paid for by the victims when the responsible party gets away Scott free.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Six years ago I contacted XXXX XXXX because I was struggling to make my payments and had fallen behind. I called into XXXX XXXX to discuss options for lowering my payments. I was informed that my only option was to sign up for forbarence and defer my loan for two years. This is not what I wanted to do because I want to actually pay this loan off, but no other option was given to me so I agreed. For two years I made interest only payments. It appeared that if I payed more to my account some principle was applied, however it did not seem to make sense as to why sometimes it was applied and other times it was not. 

Once I had passed through the two years of forbarence regular payments resumed, although now higher than before. I was pretty much in the same place I was two years before only now with a higher monthly payment. I tried to go along and make as many payments as I could but eventually ended up in the same place of falling behind. I called XXXX XXXX again and asked for options. This was around 2014. Forbarence again. Same deal as before. I just came out of that a few months ago. My payment is now, of course, even higher than before. 

Since I work for the XXXX I called and inquired about the loan forgiveness program. I already have 5 years of public service in so I thought this would be something to look into. I was told that this program would not work for me and the payments would be the same. So I continued to pay as long as I could until I was faced with the same situation again. 

I just called Navient a week ago and was put on a new repayment plan that will last for two years. It 's pretty much the same package as before but I am told that additional payments will be applied to the principle. I have yet to make a payment on this new plan yet. 

My largest issue with the past action on my account is the fact that I did not want to go into forbarence. I just wanted to lower my payment and continue to make progress on paying this amount off. All that happened was the can was kicked down the road and no progress was made.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Debt collection (Credit card) with Suttell, Hammer & White, P.S (WA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint: I received a summons for a lawsuit after I disputed the debt. I had my attorney send a letter stating that I did not owe the debt and why and they responding directly to me, not my attorney. They proceeded in filing a lawsuit directly against me instead of my attorney. They also refused to provide a physical address so they could be served.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2017 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (CA).
Issue: Trouble during payment process

Complaint: I took a loan out with   XXXX   XXXX   back in  XXXX  that was modified by the Federal Government. Then these recent group of companies hiding behind   XXXX   XXXX   are attempting to say I owe them money when this loan was paid off long ago and they know it. As a matter of fact   XXXX   XXXX   has recently been fined $  XXXX  by the  OCC  and I wonder if you can forward this complaint to them as well. The acting agent of   XXXX   XXXX   is  Caliber Home  Loans. I attach a copy of the complaint and they have been posting my payments to  Unapplied F unds and Escrow and not to Principal as agreed. In fact I had {$13000.00} in Escrow back in  XXXX  which were never applied to Principal.Thank you so much for your help.  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Debt collection (Credit card) with DISCOVER BANK (MD).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: Company garnished my bank account along with those that I was associated with even thought I was in a payment agreement with them and current on the payment agreement with no notice or attempt to renegotiate the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (UT).
Issue: Loan modification,collection,foreclosure

Complaint: My complaint is kinda XXXX parted. I first fell behind on my mortgage payment about a year ago. I received a chance to modify my loan, and I did qualify for the modification. I was put on a trial payment period of XXXX months. I made the payments and then received the documents to start making my regular mortgage payments. I signed the documents and sent them back. I then awaited my information on my new mortgage. The next document I received was from a law firm saying that foreclosure proceedings would start. I contacted my lender and they said they had not received my documents. But my lender had not tried to contact me in any way, to tell me that. I then had to file bankruptcy to stop the foreclosure. 
I then started yet another modification with the same lender, I went through the process with them and was told I had qualified and my representative XXXX would be sending me the info on yet another trial period. A week or so went by and I did not receive anything, so I tried to contact my representative and was told she was on leave and only she could send me those documents. By that time I had missed my first trial payment and my home would be put in foreclosure again. So at this point I have to try and modify my home yet again.

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 09/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I am writing in reference to a released XXXX XXXX that is reporting on my XXXX and Equifax credit report as XXXX # XXXX. The XXXX is released and the documentation is attached to this complaint. I have filed numerous investigations in efforts to having this public record removed both by letter and phone most recentlyXX/XX/XXXX and the receptionist at Equifax stated that she could not remove it although it did not meet the current guidelines under the new law effective XX/XX/XXXX that any public record data must include Name/Address as well as Social Security Number or DOB in order for it to appear in your credit file. This is the same XXXX XXXX that XXXX removed from one investigation. XXXX or Equifax has not updated their information and per the new law the Released XXXX XXXX listed does not include all the required information and should be deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/13/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This account is not mine. I did not own this account. This is from 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 04-04-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Making/receiving payments, sending money

Complaint: I have been deprived of my income as Bank of America continues disappearing my direct deposit payments. In addition to their incapacity to secure people 's money 's, they are massively in mature as they trivialize their failures sending me an email saying : We got your back Fraud protection is back '' They are all very damaged organization full of arrogance and the belief that they are above the law. 
This is the fourth time I file a complaint against Bank of America and nothing happens to them. Had I done one inch of what they have done, I would have lost my license. How come they have more rights than the rest of the Americans? I I was supposed to receive moneys from XXXX {$290.00} on XX/XX/2017 and there is nothing in my account. 
Whe is the Federal government act as as a protector of the citizens who work for a living rather than the arrogant corporations destroying the citizens?

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 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NE).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I sold a house in XXXX of 2016 -- paid the mortgage off -- and it still shows as an open account with a balance of $ XXXX I have tried multiple times to get this fixed and changed on my credit report to show the debt as paid and the account closed to no avail. 

Most recently, I contacted both XXXX and Equifax as well as XXXX XXXX XXXX XXXX to attempt to get this resolved. 

I have gotten letters stating that a review has been completed and they did not change anything on my report. Again. 

I have also attached a letter from XXXX XXXX stating that the loan is paid in full and that they were working with the reporting agency to get the reporting issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Student loan (Non-federal student loan) with Dream Center Education Holdings (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I was aloud to continue with school while waiting to get a response for my XXXX. I had been approved for it the previous XXXX times I applied but this time was taking longer then normal to get a response. When asked if I should temporarily withdraw, I was told no, they could n't promise me a spot when I returned. Because it was denied ( with no solid reason to do so ), I was forced out of school unless I came up with XXXX XXXX that day to cover what classes I had already taken. I never once signed anything agreeing to pay this amount nor agreed to stay in school if student aid could n't help me. I feel I am being tricked into this by XXXX XXXX and even after many attempts to get a solid explanation to their decision. I am not entirely sure who else I can turn to at this point or what I can do. I do n't have the money for a lawyer and now am being sent to collections. I filed an appeal with the school, heard nothing then received a paper in the mail from a debt collector. After contacting the collection agency, I informed them about the appeal, they contacted the school which in return told the agency they had never received an appeal. Two days later, I get a phone call from the director that she did get it, denied it and was sorry that nothing was sent out to inform me. Like I said, there are no signed documents from me agreeing to take out any such loan through XXXX college. When asked to see the XXXX, I was told they did n't keep them on file, after contacting XXXX, they do n't have it on file either since it was never filed to begin with AND apparently do n't keep XXXX over a certain amount of time. I have copies of all documentation between the school and myself regarding my past overrides that were approved and the paperwork about the one that was n't approved. None of it makes sense. Please help. I am now XXXX of dollars in school debt over a degree I was 3 months shy of getting because of something the school decided that was completely out of my control. 
The campus is located in XXXX, Ohio

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: They are reporting old address on my credit reports that were never mine.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2018 about Debt collection (Other debt) with Credit Protection Association, L.P. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have been receiving credit statements from an entity associated with XXXX XXXX for months and have spoken to many reps from both parties in regards to the past debt which was taken care of back in XX/XX/2017. XXXX shows the debt being settled while this credit company continues to pursue the old account. I have been in contact with a XXXX XXXX and a few others at XXXX who all have pulled my accounts and have stated the debt was settled by my mother in XX/XX/2017. I was involved in a bad XXXX XXXX accident and was in the hospital for 2 weeks and upon being discharged and sent home my services were suspended and she made the call to settle what was owed and also to have new service activated. XXXX has stated my services wouldnt be active right now today if I owed with them or had a current account outstanding. I have records I will provide to show the amounts paid off on two separate charges to my mothers XXXX XXXX card account. As well as documentation from the credit collector harassing me. This has dropped my credit score while Im in the process of bringing it up to purchase a home. I need this resolved once and for all as soon as possible. Ive been told from XXXX XXXX that they can not get it together and have outsourced many departments including billing to companies who do not stick around long but continue to pursue accounts on their behalf no longer in contract with them. Please help as XXXX has claimed it is settled but this Credit Protection Assoc is continuing to harass me.

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 01-04-2016 about Debt collection (Non-federal student loan) with J. Scott Watson (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: After receiving notice in the mail that this debt had gone to collections, I responded immediately to the law firm/collection agency because I was unaware that this debt had NOT been consolidated through the Public Service Program I had applied for. After speaking with the attorney 's secretary, I agreed to pay $ XXXX/month for the total amount of a little over {$6000.00}. About 6 months later, I considered offering a lump sum payment and discussed this with the secretary. She told me that I ca n't settle for any other amount because it 's an education loan and that there 's no benefit to paying it all at once. I then agreed to continue to pay $ XXXX/ month. After approx. one year and a few months, the law firm contacted me about my automatic payment that did n't go through because my debit card had been replaced by the bank. While discussing this with the secretary, it came to my attention that the principal of the loan was much higher than I expected it to be because I was being charged 5 % interest per year. I had paid almost {$400.00} in interest as of XXXX 2015. I am upset because I was never told in writing or orally that I was paying interest. I was also discouraged to pay a lump sum and was actually told that it would n't be advantageous to me, which is clearly untrue. Finally, while this is an education loan, I have trouble believing that I ca n't offer a settlement amount as this is a debt that has already gone to a collection agency. While I do n't know the law in Pennsylvania, I do n't understand why I ca n't try to settle for a lesser amount, or why I was n't told that I 've been paying interest for a year and a half.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2016 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: For six ( 6 ) years, I have paid my student loans with Wells Fargo ( currently XXXX ( XXXX ) have outstanding balances ) on or about the last day of each month. On XXXX XXXX, 2016, I received an e-mail from Wells Fargo informing me of past due payments. Concerned, I reviewed by online banking bill pays at my deposit financial institution and confirmed the payments were sent. I then reviewed my online account with Wells Fargo, which confirmed the total payment amount was indeed received on XXXX XXXX, 2016. I called Wells Fargo and was informed that the payment was received, but, because a statement for XXXX ( XXXX ) of the loans had not generated by the time the payment was received, the funds applied to those XXXX ( XXXX ) loans did not advance the due date. In short, despite paying my loan, I am considered past due. I requested Wells Fargo to reapply the payments or advance the due date, whatever needed to be done to rectify the situation. I was told I could either make another payment or Wells Fargo would return the previous payment for me to submit again. I asked if Wells Fargo would credit my account for any additional interest accrued from XXXX XXXX, 2016, until whenever the funds could be returned to me and sent back in for payment and was told no. This means Wells Fargo is willing to allow my payment to be allocated toward more interest than principal, despite the fact that I paid my monthly installment on time as I have for six ( 6 ) years. I again requested my account be corrected and was promised a return phone call from the supervisor with whom I spoke by the end of business. I have not received a return call or further communication. 

Wells Fargo 's practice of having separate statement dates for XXXX ( XXXX ) loans in what is considered XXXX ( XXXX ) student loan account is deceptive. I receive statement alerts, but only for the generation of XXXX ( XXXX ) statement for XXXX ( XXXX ) loan. I have never had a problem with making one ( 1 ) payment at the end of each month until now. 
It is unfair of Wells Fargo to refuse to advance my due date and offer me only XXXX ( XXXX ) options that either cost me more money ( making a second payment ) or result in me paying more in interest by waiting for funds to be returned and sent back in.

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 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have 2 accounts on my credit report that has not been updated, I have tryed to fix this the creditor stated they sent updated information to be updated and it has not, One account is a car loan with XXXX  XXXX XXXX XXXX with a balance of XXXX and that account has been paid in full and another account is my credit card showing a high balance that has not been updated with XXXX XXXX XXXX XXXX with a credit limit of XXXX but the balance is incorrect I would please like this up dated immediately Thanks

Company response to consumer: Closed with explanation