milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/24/2016 about Credit card () with STERLING JEWELERS, INC. (FL).
Issue: APR or interest rate

Complaint: I made a purchase in XXXX 2015 at Kay Jewelers using my Kay 's credit card. They typically have promotions on large purchases so I asked about the promotions that were available to me for this large purchase. The manager advised that they had the regular 12 months with 0 % interest putting 20 % and they had the 24 month term at 2.09 %. I accepted the 24 month term since 2.09 % is a low rate. The manager agreed that the 24 month was better at a " low rate of 2.09 % '' and even better, I did n't have to make my first payment until XX/XX/XXXX. I asked if I had to give a down payment as I usually do and he said it was n't necessary. When XX/XX/XXXX came around, I logged into my account to check how much the payment was so that I can send the payment. The website said the minimum payment was {$290.00} so I proceeded to send the payment. I have made 4 payments since then but this last time, I was curious as to why my balance was {$5000.00} if my initial purchase was {$5800.00} and I had made {$1200.00} in payments. I logged in online and looked at my last time and to my surprise I was being charged over {$100.00} in interest each month. I quickly called customer service for clarification. The representative verified that I was on the standard 24 month term " at a low 24.99 % ''. I told her that I was told 2.09 % and she quickly responded that it IS 2.09 % a month. I told her that I felt deceived when I was told 2.09 % because interest rates on credit cards are supposed to be disclosed as APR. She said there was nothing they could do. She advised that they could make an exception and if I was willing to put the 20 % down they would give me 0 % and what was left if I were to have done the 12 month term to begin with and that my monthly payment would go up to over {$500.00}. I feel as though they deceived me into thinking that the 2.09 % was the annual rate so I would be comfortable with the payments on a larger purchase than what I initially wanted to make. Had they disclosed the rate properly as 24.99 % APR I would have been able to make a more appropriate decision or made a smaller purchase that would appropriately fit my budget. Now, since I can no longer return the item, I either have to pay over {$2000.00} of interest over the 24 month term or switch to the 12 months and not only have to pay the 20 % which is {$1000.00} and have my monthly payments go over {$500.00}. I feel that their practices are unfair and deceptive to consumers and that they should correct this immediately. I do n't know who in the right mind would say that 24.99 % is a low rate. I believe that they should honor the 2.09 % as the APR since they deceitfully lead me to believe that they were quoting the APR as ALL lenders disclose credit card rates using APR.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/21/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I was denied loan a modification and they did not let me appeal the decision during the 30 days period now have been foreclosed on. The bank took the house back and I have XXXX young kids and no place to go

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I contacted Experian on in reference to several accounts that are appearing in my credit file that contain inaccurate information The following accounts are remaining on my credit file even after I disputed on several occasions, X/2017, X/2017, X/2017 and X/2017. I have supplied my identity theft affidavit along with my identification and a police report and these inaccurate items remain on my credit report. These items have been deleted from the other two agencies. The items are : XXXX XXXX XXXX XXXX, XXXX XXXX collection account, XXXX XXXX and 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 non-monetary relief
Consumer complaint received 12/31/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Western Portfolio Assets (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: They contacted me and stated I owed over {$1300.00} from a XXXX XXXX account. I was at work and extremely busy and stressed to even verify the information. They kept calling me and threatened to garnish my wages and take me to court, etc. I am the only person working in a XXXX person family, so I could n't take my chances. I ended up paying {$260.00} as a deposit and {$170.00} in XXXX and {$150.00} in XXXX. At last, I verified the information with XXXX XXXX and they stated I had to past due balance or anything at all. I asked then about their collection agencies and they gave me names, but not Western Portfolio Assets.

Company response to consumer: Closed
Consumer complaint received 04-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} REV {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX SETTLED XXXX/TU Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$500.00} REV {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX PD WAS XXXX XXXX Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$490.00} REV {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX PD WAS XXXX XXXX/TU/XXXX Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$400.00} REV {$0.00} {$0.00} {$0.00} XXXX PAID CHGOFF XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v TransUnion, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, XXXX et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, 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 non-monetary relief
Consumer complaint received 01-05-2016 about Credit card () with JPMORGAN CHASE & CO. (TN).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My father obtained a credit card in my name and the debt went to collection before I was made aware of the debt. I contacted the debtor and proved I did not incur the debt and therefore, did not owe it. According to my mortgage company, the debt is still on my credit record. I received a copy of the XXXX report and the debt of {$6000.00} appears to be deleted, but my mortgage company states the debt still resides on my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (TN).
Issue: Loan modification,collection,foreclosure

Complaint: Their is a property foreclosure sale set for my home XX/XX/XXXX. The state of Tennessee requires a 30 day notice be given prior to a property foreclosure sale being set, the letter is dated XX/XX/XXXX and the sale is XX/XX/XXXX. I have resubmitted a modification request and financials. I do want to keep my house. I need your help to assist me in getting my mortgage modified. i want to keep my home. 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 10-06-2016 about Bank account or service (Checking account) with BB&T CORPORATION (VA).
Issue: Problems caused by my funds being low

Complaint: on XXXX XXXX, 2013 consumer open BB & T Bank checking, thebb & t bank issue debit card AND have been injured and harm by BB & T Branch banking & trust illegal insufficent fees when in facts have the funds to recovered each and every check, deceive consumer alleged discovered her XXXX account have been paid to XXXX, TN for HOME MORTGAGE With XXXX, without consent or authorized as result consumer have been harm injured and her check No # XXXX for XXXX, {$350.00} Unpaid, including significant XXXX unathorized were XXXX, and Paid US postal in debit card, were mislead that did not go through, iduced to make check for U.S. Postal serice, finding XXXX transaction with draw, See Case # XXXX misleading statment consumer purchased XXXX whole sale membership paid by cash, and have been probibited from honoer her membership to purchased food, BB & bank and significant charges insufficient fees in violation of federal banking, Consumer finding the BB & T bank were XXXX account, without disclouser or consent, unabel to worked this account without undoe burdien significant harm caused consumer to defamed & injury suffered significant

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 06/26/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Credit card protection / Debt protection

Complaint: Capital One Bank sent me a new card which i did not apply for. new card number

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Credit card protection / Debt protection

Complaint: On XXXX/XXXX/16 I purchased a diamond and tanzanite necklace and ear rings from XXXX XXXX on the island of XXXX and placed the charge on my Bank of America Visa Charge Card. When I returned to the XXXX I had the necklace appraised and found that I had been cheated and defrauded. The diamonds were actually white sapphires. This is a very serious crime. I have all of the documents of the transaction, including XXXX XXXX 's description of the pieces as well as their formal appraisal of the jewelry. XXXX XXXX refuses to refund my money, even though I have emailed them all of the incriminating documents and a Bank of America supervisor told me that since the transaction is over 60 days old, that there is nothing they can do to reverse the charge. I need your assistance in applying pressure on Bank of America to reverse this charge from my credit card account. I will gladly supply them with the documents which prove my claim. I have many other avenues to explore if the bank continues to refuse to help me. Bank of America 's name will most definitely will be dragged in to other sources of complaints if I am forced to peruse them. I just want my money back. I calculate that I have actually lost {$6100.00} ( cost of jewelry ) + {$61.00} ( foreign Transaction Fee ) + {$110.00} ( jewelry appraisal ) = {$6300.00}.

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 08/31/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: While I was shopping for a vehicle loan I had several hard inquiries made. Based on information that is porvided here by the CFPB all these inquiries should have been combined into XXXX. XXXX did it automatically from one month to the next. Why have n't you?

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: hello i have tried sevrel times to get experian to delete negative info that the company agreedto delete no response and there system will not allow me to do an online dispute

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-04-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I make over-payments nearly every month. My account at with my mortgage servicer is supposed to be set up so that over-payments are automatically credited to the principal. However several times over the last few years Ditech has taken to diverting my over-payment to other " accounts ''. Several times they have taken to diverting my over-payment into an " Unapplied Funds '' account, as if I had not made the full payment due. Each time I notice it on my next statement, I have to call in and have the customer service representatives move the credit to my principal, and each time they tell me that my account is set up so that any over-payment is applied directly to principal as of the payment date and they " have no idea why this happened ''. They will " fix it '', and for stretches of a few or several months the payments are applied correctly again. 
Last month, my servicer diverted my over-payment to my escrow account, although I did not designate the over-payment to go to escrow. When I called in again for them to fix this problem, I got the same line from the customer service representative : my account is set up so that all over-payments go to principal, we have " no idea how this happened '', and she submitted for it to be fixed. This time I thought to insist on the application to my principal being back-dated to my payment date as well. 
As per my understanding of my account terms, all over-payments I make are supposed to be credited directly to principal. Each time I speak with customer service representatives they confirm this to be true, but the company just does whatever it likes with my money. I resent that I have to babysit my mortgage servicer. Carrying an extra hundred or two on the principal for a month or so costs a few dollars of interest, but if I was not quick to pay attention it would add up. This time, the one diverted over-payment was {$280.00}. When put into a mortgage calculator at the correct date, that one over-payment saves me {$490.00} in interest charges over the projected life of my loan. That is hundreds of dollars more profit to this servicer than I even suspected! By waiting just one month for me to notice and apply the over-payment, they might have profited an extra XXXX dollars and change from me, but it all adds up! 
As far as I see it Ditech is stealing by account terms manipulation, purposefully. They brag that they service XXXX loans. Granted not everyone makes over-payments but how many other people are they stealing from in this manner? It ca n't be legal.

Company public response: Company believes it acted appropriately as authorized by contract or law
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: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: I checked on Equifax regarding their data breach and it turns out that I was effected by it. 

Equifax did n't do their due diligence to ensure my personal information was safe and I am now potentially at risk of credit fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (GA).
Issue: Account opening, closing, or management

Complaint: Trying to close bank account with Chase Bank over the phone. A branch is too far away to visit. Even when I pass their verifications, they refuse to close the account. When I mentioned my consumer rights, they hung up on me. I sent this email to them : '' I want to close this account now. Per consumer laws, I have the right to protect my personal information and privacy. The failure to close my account violates my consumer rights to protect my personal information and privacy. I have the right to disassociate myself from this bank and protect my personal information. Your personal service is unacceptable and intolerable. I want my account closed. This account does not have any money in it and it will never have any money in it. There are no pending transactions. ''

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (AL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I called XXXX when I first got this bill. I was charged an amount for collect calls that was different than advertised. On the phone my son called me collect from was a sticker that said {$1.00} for XXXX or XXXX mins? but ended up being {$23.00} per XXXX minutes. I would have never accepted a collect call at {$23.00} for XXXX mins. So XXXX said we would dispute it, immediately closed that account and opened me a new XXXX. Giving me my same # XXXX XXXX told me I would only be responsible for what I owed them ( XXXX ) for my regular phone service. Then I get contacted by collections for the whole amount. I tell them the agreement and a lady at Receivables Performance agrees to the terms also. Later I apply for a loan for a car and find that on the day of XXXX XXXX 2015 when I made an agreement with RP to pay what I owed XXXX XXXX XXXX ( minus the collect call charges ) @ {$25.00} a month they then put it on my credit report. I recall being told that by paying $ XXXX/mo. would not only get my bill paid, but would keep it from going on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I XXXX XXXX file a CFPB complaint as I believe that XXXX XXXX XXXX is re-aging my old mortgage account to maintain a negative item on my credit reports longer than necessary. My Experian credit report shown my first 30-day late payment for XX/XX/XXXXThat would mean that based upon the Fair Credit Reporting Act guidelines on obsolete information reporting, my XXXX account would come off XXXX XXXX, XXXX. XXXX also cut off over six-years of payment history, which I believe I had late payments during that timeline. In essence, I believe that 7-year rule would already apply and that the XXXX account should already be removed. Accordingly, I will be satisfied with a XXXX XXXX removal date. The XXXX credit report has cut off the same six-years of payment history, and shows a beginning date of XXXX XXXX. The Experian credit report showing XXXX XXXX is acceptable, and I need verification from XXXX XXXX XXXX that the account information will be remove XXXX 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 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
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 have made multiple complaints with Experian for verifying my accounts with  XXXX   XXXX . There are  XXXX  accounts that are currently being reported past the seven year period of the original date of delinquency. I have made several attempts and most recently speaking with a representative on  XX/XX/2017    by the name of  XXXX  and she spoke with her supervisor by the name of  XXXX . What I was explained by both individuals the date of delinquency starts over when the account is made current. I even explained per the companies website this is n't correct.

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 06/21/2017 about Debt collection (Other debt) with Amsher Collection Services, Inc. (CA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint: I cancelled my contract with XXXX because my husband took himself off of our contract without telling me. I was being charged his monthly portion for six months even though he had the same number through them and still had an account they would n't move the debt for his phone he had n't paid off over that was XXXX and add the cancellation fees to it and the past two payments not made because I could n't afford it i was n't working. XXXX refused to work with me at all, but set me up with creditors to hassle me and call me all hours of the day all day to get their supposed money i owed them. They have branded my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation