milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-04-2017 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (NY).
Issue: Delinquent account

Complaint: XX/XX/2017 -- Called USAA to set up 60 month pay off agreement. Was told will have to go through income verification worksheet. Was told that a payment is needed within 15 days of agreement, I notified rep that I would call back next week so I would be able to comply with the 15 day payment agreement. 
XX/XX/2017 -- Called USAA to set up this pay off agreement previously mentioned. Went through the financial information with associate. I was told that my income met the guidelines, however because my account is 4 months overdue, I would not qualify for a long-term repayment plan. I repeated what rep told me last week and was told that it must have been an oversight. The current representative I was on the phone with told me that I he saw what was notated on the account and agreed with me. He transferred me to a supervisor voicemail and said that I should receive a phone call back before the end of the business day. Representative offered me two other options : 12 month payments of {$64.00} and would go back to normal interest rate even though the account is closed. I could also make three payments of {$160.00} and bring the account current, however it would remain closed. 
I am getting the run around, meanwhile they continue to rack on fees and interest while I am legitimately trying to get my finances in order with them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Account was placed on Forbearance Plan and was told that it wouldnt report as late payment on credit report, but that a statement would be added. 
Mortgage account # XXXX. During the months of XXXX and XXXX 2015, my account was placed on a forbearance plan, in which XXXX payments were made on time. As of the end of XXXX, I called to cancel the plan and all previous past due amounts were paid immediately. Also looking at my credit report I noticed that late payment negatives were placed on my report for this mortgage account showing 31-60 days late. This is incorrect because I was told by the home preservation agent and via Wells Fargo site that it would not report late payments, that instead it would list on my report that the account was setup in a forbearance plan. When I saw this on my report, I disputed the late payments and asked that it be corrected. To date this was not done, and it is still reporting late for 2 months. 
This is unacceptable due to the fact that this was not clearly explained, especially the fact that it would go reported late being that this was an assistance plan. Had this been clearly explained, I probably would have tried other options. 
his does not address the issue that I have about reporting as late. Nowhere does it mention this, and no one mentioned to me that payments would be reported late. This company is nothing but a fraudulent company. They are not here to help, they are here to XXXX with people and attempt to take their homes. I read the reviews of their forbearance plan, and I wish I would have read them earlier. Nothing but bad reviews from customers due to lack of information and not clearly explaining things to their customers. As a result they have forced people into for closure and XXXX with people 's credit like they did with mine. I ca n't wait to refinance and geT away from this scam company. I do n't want nothing to do with Wells Fargo. I had perfect credit until they came and XXXX with me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Credit card () with TD BANK US HOLDING COMPANY (VA).
Issue: Late fee

Complaint: Hello, After receiving a credit I requested, I am being told I must still pay the disputed amount to keep my account in good standing. Even though by doing so, I will incur a credit balance. To ultimately get my refund, I must call Target after I 've paid and they 've issued the refund to again request a refund to be issued by a paper check? BACKGROUND : first you need to know I rarely use my Target credit card. However, after receiving a letter that my card would be deactivated if I did n't charge something before a certain date, I made a point to stop at target and buy something because I thought it useful to keep my card active. However, I have moved and since I rarely use the card, the bill was delivered to my previous address. When I actually got the bill it was XXXX XXXX, the day before the due date of XXXX XXXX. After working with Target.com for over an hour on XXXX XXXX, I finally was in a position to pay my bill online, the only means available to me to make the payment on or before the due date, since it was too late to pay by mail, and I could n't get to the nearest Target ( XXXX miles away ) to pay in person the next day. So, I paid my bill online, or so I thought, on XXXX XXXX. The next day, when checking my emails, I realized I did not receive a confirmation of my payment. I checked my bank account and there was no evidence the payment had been made. I logged in to target.com and my payment was NOT noted. So ... .I paid my bill but unfortunately for me it was after XXXX on XXXX XXXX. Today, XXXX XXXX, I received an electronic notification of my target bill and was shocked to see {$26.00} in charges. ( A {$25.00} late fee plus a {$1.00} minimum charge ). I promptly called Target and was told since my account was in good standing, Target would waive the {$26.00} and credit my account. HOWEVER, I WAS TOLD BY THE AGENT AND BY A SUPERVISOR, XXXX, THAT I MUST STILL PAY THE {$26.00} TO KEEP MY ACCOUNT IN GOOD STANDING! I asked why since my bill is not due until XXXX XXXX. Why should I incur a credit balance of {$26.00}? Supervisor XXXX confirmed the charge had already been waived on my account. The answer was I could call back and get a refund check sent to me. Really? It will cost Target more than {$26.00} to take my call and issue a paper check. Please, can you please do something about this. I believe this is a predatory practice so Target can get the funds and reap the benefit of interest earned. If they do this with all their customers, as Supervisor XXXX assured me, then {$26.00} among even XXXX out of XXXX customers can add up to a tidy revenue stream. 

Thank you for reading this and listening to my concern.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/28/2018 about Debt collection (I do not know) with Midwest Recovery Systems (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The account name is Midwest Recovery and Original Creditor is XXXX XXXX XXXX. This charge is NOT mine and has mysteriously placed on my XXXX credit report. I have demanded that this company provide me with a copy of a signed agreement and video of me at their location. 

It seems to me that payday loans are targeting consumers who do not look at their credit report regularly ; I do.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: Bank of America is apparently retaliating against me for challenging their non-compliant predatory behavior by systematically denying disputes that they urged me to file. 

Just today they once again sided with the vendor over me and flooded me with 11 pages of mostly not filled in response forms from the vendor and are threatening to take about {$700.00} dollars of my money based on a few scrawled notes from the vendor the dispute was against. 

This vendor sold me merchandise that was not as described and then was passive aggressively uncooperative in proposed resolutions while Bank of America delayed and delayed in assisting in resolution. 

This followed a series of complaints against BOA I have filed in a number of different venues for their documented non-compliance with applicable banking and trade practice rules, regulations, and laws.

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 01/25/2018 about Payday loan, title loan, or personal loan (Payday loan) with Flurish Inc. (CA).
Issue: Charged fees or interest you didn't expect

Complaint: I had a payday loan for XXXX plus XXXX interest it was due on XXXX XXXX. On XXXX XXXX I submitted a early payment for the full balance of XXXX this morning I got a email from them saying my payment failed and now I must pay a XXXX return fee. It failed because they used the wrong bank account they show account ending in XXXX I have never had a bank account with this number. I have been borrowing from them for 9 months with no repayment problems. This was not my fault I told them this morning XXXX XXXX XXXX that I would pay the XXXX right now but I refuse to pay the XXXX penalty because it was not my fault the also say I was late how could I be late it is not due until XXXX XXXX. I spoke to XXXX he was condescending and no help at all when I asked to speak to a supervisor he said their policy is to have one call me back later. It is only XXXX it is not the money it is the principle. I would appreciate any help you can give. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Bureau Services Association (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: They are collecting for a dept I dont owe We showed proof to CBSA solutions collections agent that the information they had was false they said they dont care I moved out of there clients apartment XXXX XXXX XXXX they the show a eviction notes said was had delivered to us from there client at so said address we were not even there at the address at that time we have moved to new address the XXXX XXXX XXXX falsified a collections we have proof we no longer lived there at said time and they said they dont care sue them.The XXXX has and is trying to charges for rent for XXXX XXXX when we showed proof we moved out before the time they said we owe for and that we even had power and turned off there and on at new place XXXX XXXX XXXX they said they dont care. 
They have statments my new land lord saying they new I was in new place on the XXXX XXXX they were here talking with us then I left to return the uhal from the move they sent all information to the address of the old place till the collection agent sent information to the address XXXX XXXX XXXX and prayer in XXXX XXXX XXXX sent me papers to my new address after the collection was processed. Still they said they dont care sue.them Then they Collection agency said they refuse to investigate on a dispute the problem. 
Then they said That my information I sent them is correct but they dont care. Still to this day I have been sent nothing by XXXX Tx housing housing or the collections agency. 
and or my deposit received nothing found out when are credit was ran from another company for credit on me and my wife 's credit shows this mater

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Debt collection (Medical debt) with Radius Global Solutions LLC (KS).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: I have been in contact with ( Central credit services ) due to a debt that I do not owe. I have contacted them from XX/17-present for resolution. I have hung up on. Refused managers. Refused validation of debt etc. <P/>This is my second complaint w/CFPB on This same matter. I had never knew nothing about this debt. I have never got a phone call. I had never received anything notifications by mail either. I was not aware of this bill until it showed as a collection debt on my credit report. As of date of service I myself, had insurance. Because of the no identification at hospital. No correct address and the incorrect contact info. I would like this derogatory debt removed from my credit report immediately please. I was refused assistance with resolution just because they could and it did n't hurt them as a company. It only hurts the consumer. Myself. It took the complaint with cfpb to even get an itemized statement. With that itemized statement. Central credit services agreed to remove debt from my credit report as of XX/XX/XXXX. This action has still not been done. i have called into central credit services on several occasions. I spoke with supervisor " XXXX XXXX on XX/XX/2017 and she advised me that the " trade line deletion was approved and was deleted XXXX XXXX, 17. She refused to send me a letter with that information. I also spoke with XXXX XXXX on XX/XX/17 and he advised me that someone from compliance would be calling me back to follow up on the trade line deletion and the paperwork for verification. I still have not heard any response. I still show the {$790.00} Bill from Creditor : XXXX XXXX XXXX Original creditor XXXX XXXX is still showing from the collection company central credit services.

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 01/27/2017 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I was unable to receive my free credit report. I got an error message saying the site was temporarily down. When I went back to get my credit report, it stated I already had received my free credit report but I did n't.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Debt collection (Auto debt) with Danco Financial Services, LLC (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have no idea what is going on with this account. It has been on my XXXX report since XXXX of XXXX. It was listed as a repossession and there has not been any change in information regarding this account since it was listed. The amount of the debt has neither increased nor decreased and for the past 12 months it was listed on my credit report as unknown information. It shows there is an amount owed of {$9200.00}. As of this date since XXXX of XXXX I have not received one piece of written correspondence from this company. I attempted to verbally contact them on XXXX and XXXX to have them send me all the paperwork concerning this debt, including all of the account details to validate the ongoing and current status of this debt. I disputed this debt to XXXX on XXXX XXXX and they reported to me as validated. However, I still have not received the information that was validated from XXXX nor Danco Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX- XX/XX/XXXXXXXX XXXX- XX/XX/XXXXXXXX- XX/XX/XXXXXXXX XXXX- XX/XX/XXXXXXXX XXXX- XX/XX/XXXXXXXX XXXX- XX/XX/XXXXXXXX/XXXX- XX/XX/XXXXXXXX XXXX- XX/XX/XXXXA computer glitch that was XXXX problem - not mine - caused my inquiries (most were fraudulent and unauthorized) to be deleted. Which they did not remove after I told them they were fraud. I just had paid off my car so why would I purchase another one?XXXX later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted XXXX in good faith to ask them to delete the inquiries that they had illegally re-added. I explained that these inquiries add a hardship and that my rights were violated by XXXX. I’m asking CFPB to help my make XXXX stop victimizing 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 09-08-2016 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Rewards

Complaint: American Express first rewarded me with XXXX points for meeting the minimum spending. Then they took away from me accusing me not meeting minimum spending and previous had the card, which are both not true.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (OR).
Issue: Loan servicing, payments, escrow account

Complaint: Our XXXX 2016 payment was made, but not applied to our account. This resulted in a late fee for XX/XX/XXXX, late fee for XX/XX/XXXX, and a derogatory mark on our credit. I contacted Loancare by phone, and they told me to provide proof of payment via email. I did this one week ago, on XXXX XXXX, and they never responded.

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 08/17/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (WI).
Issue: Managing the loan or lease

Complaint: How are payments to an installment loan for an automobile supposed to be applied? For instance if you are 30 days late on a payment and you make XXXX full payment can the lender apply those funds towards interest for the late payment and the currently due payment before apply anything towards principle?

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ACCOUNT SERVICES INC. (TX).
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 obtained a copy of my credit report in XX/XX/2017 and noticed that Account Services , Inc. was reporting a collection account. I submitted a dispute letter to the credit bureaus regarding the account and they stated it was verified. To that end, I communicated in writing to Account Services, Inc. in XX/XX/2017. I requested that they provide me copies of any documents proving my indebtness. See attached documentation they sent in XX/XX/2017 -- -120 days later. This is wholly unacceptable and further the documentation they sent reflects that the patient was not me. The patient 's date of birth is listed as XX/XX/17, which is not my date of birth. The address listed is the Virgin Islands, for which I do not reside. This inaccurate entry on my report is illegally reporting and does not belong to me. REMOVE THIS ENTRY IMMEDIATELY AS ACCOUNT SERVICES IS VIOLATING MY CONSUMER RIGHTS.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I am a service connected, totally and permanently XXXX veteran. Although my student loans have been forgiven through XXXX, the loan servicer for the Department of Education has notified the credit reporting agencies that my student loans are delinquent and have been " Assigned to the government ''.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX XXXX # XXXX is illegally reporting to my credit report affecting my credit report and score THIS IS NOT MY ACCOUNT please help me get this account remove asap ( according to FCRA 30 day full investigation should take place )

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The collection files are third party accounts that are from Fraudulent creditors ( XXXX # XXXX & XXXX ). The account was removed for fraud in XX/XX/2014 I do n't know how the accounts was resubmitted to my report. The accounts should be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2015 about Prepaid card (General purpose card) with CITIBANK, N.A. (PA).
Issue: Unauthorized transactions/trans. issues

Complaint: I purchased merchandise from XXXX XXXX using the prepaid card on XX/XX/XXXX. I returned some of the product to the store between then and was working with XXXX, from XXXX who said the return was processed. We shared several emails and she sent me an invoice that shows the return was processed but I have been checking the account and it does n't show it was received. I also sent an email again to XXXX from XXXX, and no response, a week later, I sent an email to the general email box for XXXX and still no response.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation