milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-06-2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (TX).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: On XXXX XXXX, XXXX, I called Sears customer Service to ask them about making payment online which was n't due until XXXX XXXX. I spoke with Representative XXXX, whom informed me that I would n't be able to make payment online because I do n't have the credit handy and she said she order new cards for me and I told that yes I would like to order new cards. So after ordering the new cards, I told her that I would like to make payments on my Sears Regular Credit Card Ending in XXXX for {$150.00} to post on XXXX XXXX, XXXX and she went ahead process the payment with confirmation # XXXX and she said everything look good the payment will posted within 24 hours. After making sears regular credit card ending in XXXX, I told XXXX XXXX that I have another Sears Mastercard ending in XXXX and that I would like to make payment on that card for {$100.00} to postdate on XXXX XXXX which was 7 days and the payment were above minimum amount ; which she did and told me that everything look good and the payment will be posted within 24 hours with confirmation # XXXX. On that I made other bills payment which posted to my bank account smoothly with no problems because I was keeping checking my bank account daily. So on XXXX XXXX, when I was looking at my bank and saw that sears cards payment didnt went through I got panicked and called sears customer service ; and ask them to let me speak with their management, and as soon as I spoke with management they told me that my payment did n't clear from my bank, and she said there was a reason. So asked the management for the reason, so they said that the reason my payment didnt clear my bank because my address change which I have n't I havent made any address change since XXXX when I opened my bank account. I have worked in the XXXX XXXX for longtime to know thats completely not true because I have made payment with them before and had no problem with the payment. so she said that theres nothing they can do and its reported to Credit Bureau as late payment. I went ahead made payment on XXXX XXXX on card ending in XXXX for {$160.00} ; and same date on card ending in XXXX for {$120.00}.

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 monetary relief
Consumer complaint received 10-05-2016 about Student loan (Federal student loan servicing) with ACS Education Services (GA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have been a XXXX. I have a consolidated loan with ACS stemming from my XXXX years to my XXXX to a XXXX. Over the years, I have had an extremely tenuous relationship with ACS. Many times, they have overbilled my monthly payments from {$300.00} - {$2900.00}. Consistently I have given ACS information about my income paying what I can. I might get two or three payments underway and then all of a sudden, an exorbitant monthly payment increase ; of course, I would not be able to pay - essentially underpaying, and then as a result, penalties accrue. I contacted XXXX XXXX, the mother company of ACS, the latter part of XXXX, and had ACS work with me regarding a reasonable amount. This past several months has proved to be no different ; I applied for an IBR income sensitive application at the time XXXX XXXX, and I was paying every month {$72.00} every month since then including the last payment was XXXX XXXX, XXXX. Lo and behold, I log into ACS Sunday XXXX XXXX to make another payment and again, I was being billed {$2900.00}. The website would not allow me to make my monthly payment that I had been making throughout the year. I have no idea what is even my real principal balance at this point. There have been so many years of late accruals and I have gotten deferments, but it has been a vicious cycle to always not being able to pay my loans. Please, Please, Please I am begging you to help me ; I am so tired having to fight this exhausting battle. I have been in XXXX for so long and worked for XXXX for over 10 years. I have dedicated my life to XXXX and to give ; XXXX is my passion and gift. I feel like I am being penalized for this because ACS has denied my chance to have my loans forgiven previously.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I purchased a vehicle through XXXX XXXX XXXX in XXXX. I authorized them to run my credit once. I now have several hard inquiries XXXX XXXX, XXXX and in XXXX XXXX, XXXX. The XXXX called me in XXXX to notify me that I needed to call the lender because the lender needed to conduct a survey because XXXX XXXX XXXX is having issues with the lender until I do the survey. I contacted the lender and did the survey, however now I see that XXXX XXXX XXXX ran my credit through XXXX more times without my authorization. I have my loan through XXXX XXXX. The unauthorized inquiries that are reflected on my credit report are through TD Auto Financing, XXXX XXXX, XXXX Bank, XXXX XXXX, XXXX XXXX, and COAF.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (SC).
Issue: Loan servicing, payments, escrow account

Complaint: nation star mortgage ( XXXX ) continues to call my work number ( XXXX ) at all hours of the day. I have told them I have no business with them and that they have the wrong number, yet, they refuse to remove my number as only " the customer can do so ''. They have a call center in the XXXX that cvalls at least XXXX times a day. I feel harrassed. I DO NOT HAVE A LOAN WITH THEM.. why cant they just remove my number? I asked for a supervisor or a manager and he was on break ; was put on hold for over XXXX and nobody ever came back.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2015 about Bank account or service (Checking account) with PNC Bank N.A. (MI).
Issue: Making/receiving payments, sending money

Complaint: A pre-authorized check was written by my bank from my Interest Checking account to a closed, overdrawn account from the same bank without any prior notification that the account had been closed or that a specific amount would be taken out of my active account as payment or the closed account on XXXX XXXX, 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (NY).
Issue: Loan servicing, payments, escrow account

Complaint: We have received unsatisfactory service from XXXX XXXX ( PHH ). They have provided improper billing statements ; failed to comply with certain RESPA regulations ; failed to provide information about ownership of loan ; failed to apply proper accounting rules ; failed to properly apply payments ; failed to comply with " standard servicer duty '' pursuant to Regulation X ; failed to comply with Attorney General ( New Jersey ) Consent Order regarding Nationwide Servicing Standards.r

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Debt collection (I do not know) with LOBEL FINANCIAL CORPORATION (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Continues to call my cell phone to collect a debt from someone I do not know, disclosed that persons collection account information to me. Repeatedly told them they have the wrong number and person but continues to harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Mortgage (Home equity loan or line of credit) with Specialized Loan Servicing LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I am working with SLS and trying to get approved for a short sale. They are requiring my Real Estate Broker and Escrow Office to show a credit to them for proceeds received at the close of escrow in an impossible manner. My Real Estate Broker has tried to resolve the issue with their management but to no avail. If this short sale is not approved, the only other option available is foreclosure and I want to exhaust all avenues before that happens.

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 06-04-2016 about Debt collection (Payday loan) with COMMUNITY CHOICE FINANCIAL, INC. (WI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I originally decided to purchase this loan due to my car breaking down. Me being a XXXX I have no extra money to spend. Unfortunately I was told my check would be bigger then it was supposed to be and was not able to pay off the full bal. I received the max amount of phone calls daily. Which happens to be 5. I also asked her to be able to make a payment of half on Friday. Then I realized since I 'm in the military my annual training is coming up and I can just pay it in full in XX/XX/XXXX. I offered a small pymt of {$25.00} dollars XXXX/XXXX/16 at XXXX. She told me that amount that I wanted to pay was to small and she was n't going to process it due to the simple fact it would n't make a impact. She then told me if I do not make a payment they will send this to my bank acct and take it out at any moment since I refuse to pay in full. I told her well if this is the case can you please put me on the do not call list. She said she will not put me on the do not call list because I have a loan and she can call up to five times a day. I recently told them I did not want more then two calls in one weeks due to the fact I 'm aware of the loan. I have indications that they have called way more then requested by me. I have time stamps and voicemails indicating they are not willing to follow these rules. It is completely harassment. Me being a debt collector myself I know you are not allowed to request payment in full within the 1st 30 days. I also know threating to take the full payment out of my bank account because I do not wish to pay it off at once is illegal. I asked her in a respectful manner to put my number under the do not call list and she refused to do so. She has broken multiple rules and has admitted that she will continue to call me as much as possible also threatened to take the money out of my account when ever she feel. In order to take money out of my acct I should receive a later of judgment or garnishment of some sort before anything is taken out of my bank account and I have recived no letters in the mail yet. This is harassment and they are breaking Ferpa laws completely.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: After reviewing a copy of our credit report my wife and i noticed several items that were incorrect.We sent letters to the credit bureaus in XXXX2017 with a request to review our reports and investigate the items. We have received ZERO response. I had forgotten about sending the letters and am just now circling back to this. Our credit scores are BAD, and there are many items on there that are completely incorrect. I am frustrated that there has not been a response already, and that i am having to spend extra time and energy to spend additional time that i do n't have. My scores are bad because items are not correct and the credit bureaus should have to fix them and to report to me in a timely manner. the law says 30 days. 3 months is way more than 30 days and i find this unacceptable. WE are held to standards and suffer consequences based on the scores they report ... why are THEY allowed to do this. I expect a response in LESS than 30 days and these items MUST BE verified. If they are not ... I will continue to file complaints to the bureau for at the very least- wasting my time and energy. I have attached the items that i sent, including my id.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with Capital Accounts, LLC (NC).
Issue: Unexpected or other fees

Complaint: A balance in the amount of {$67.00} was paid to   XXXX   XXXX    XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX , MD  XXXX  ; telephone  XXXX  on  XXXX . Unknowingly, I was unfamiliar with the balance until I requested a copy of my credit file from  XXXX ,  XXXX  and  XXXX . I contact  XXXX   XXXX  's office and they stated they had mailed me an invoice with a {$67.00} balance several years ago. However, I never received the invoice due to moving from   XXXX   XXXX   to   XXXX   XXXX  . A change of address form was submitted in   XXXX  , however, I never received the invoice.   XXXX   XXXX   XXXX   XXXX   office submitted the payment to a collection agency,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX , TN  XXXX  ; telephone   XXXX   XXXX   XXXX   XXXX   Capital Accounts stated the balance is {$87.00}, which I am disputing. Attached is a payment receipt from  XXXX   XXXX  's office disputing the {$87.00}.  XXXX   XXXX  's office stated they contacted Capital Accounts to let them know the payment was made, however,  XXXX   XXXX   XXXX   XXXX  refuse to update the payment as being paid, which I have also been disputing the fact payment was made with Equifax and they refuse to delete the unpaid balance off of my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Debt collection (I do not know) with Credence Resource Management, LLC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Received calls every XXXX days from Bill collector, when I answer the call gets disconnected. No voicemail is left when I do n't answer.

Company response to consumer: Closed
Consumer complaint received 09/29/2017 about Debt collection (Credit card debt) with Forster & Garbus LLP (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: Not sure. 
Possible Identity Theft?

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Debt collection (I do not know) with American Coradius International LLC (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: A representative from American Cordalis called this number XXXX. The person they are seeking collection does not live here. The person they are seeking collection has a common name and may not be the same person who previously lived here. When XXXX of the tenants answered the phone the XXXX time, he assumed it was the person who previously lived here, informed the representative that the person was burned out of their current residence due to a fire and had no number, and requested that they not call the number again. From what the tenant indicated, the representative agreed to stop calling. A XXXX call occurred. The phone calls have also occurred right before XXXX. The tenants feel harassed and have no outstanding debts.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Consumer Loan (Installment loan) with TOWER LOAN OF MISSISSIPPI, INC. (LA).
Issue: Problems when you are unable to pay

Complaint: I had medical issues and got behind on my payments on a loan secured by furniture and a signature loan. I kept in touch with the loan company, however they continue to call me and threaten me. They have said that they want to know what time they can come pick up the furniture, told me repeatedly that they would sue me, garnish my wages, and put a lien against my home on both loans. They try to force me to come in on a particular date and I tell them I do n't have the funds and can not come in on that day so then the threats start. They have come to my home ( I was n't here ) and left a card. They called my sister and told her to contact me and tell me that I had 10 minutes to call them back. This was approximately four days after I had been in their office and made a payment. They ca n't use the excuse that they did n't know how to locate me and needed to 'find ' me since I was in touch with them the week before. When I talk to them they can never tell me how many months I am behind. They say that my payments are n't full payments and when I ask why, they say that late charges are being taken out. I have asked them repeatedly to send me a print out of my payments and how they are applied ( this is especially important because they told me I missed a payment in XXXX and I see where I made it ). I have yet to get anything to verify the dates they 're saying I 'm behind. One person says I 'm behind since XXXX, another person says I 'm behind since XXXX. I 've even asked for the amount of late charges so I can pay them and they can be applied to the months they say I was short. I was n't short, I paid the required amount, they allocated it and make it appear that I 'm months behind on payments. Yesterday I was told that my account had been sent to an attorney for collection a month ago but I made a payment and they pulled it back. The manager said she was sending it yesterday to the attorney because I told her I did n't have the money and could n't come in before the XXXX. Then today she calls my job and leaves a message requesting employment verification ( I saved the voicemail and attached it to this complaint ). I 'm at the point where I do n't want to talk to them since it does no good. And all they do is threaten me with lawsuits and garnishments. Is it even legal for me to send in a payment for the month and they only apply part of the payment because of a late fee and then say I 'm behind in that month 's payment?

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 07-06-2017 about Mortgage (VA mortgage) with FIRST CONTINENTAL MORTGAGE LTD (TX).
Issue: Struggling to pay mortgage

Complaint: On XX/XX/XXXX Advisa Mortgage and XXXX XXXX of Texas put me in a home that they knew that my income could't cover for the VA Mortgage and home expenses and bills. Advisa Mortgage and XXXX XXXX XXXX knew that my income was not insufficient to pay Va Mortgage and home expenses and bills. As I am Divorced and living alone in my new home and been XXXX XXXX and not receiving Social Security XXXX benefits. I provide to lender my XXXX XXXX XXXX letter and paystubs in which Federal Taxes was n't been debited from XX/XX/XXXX. Lender and Builder fail to disclose VA Administration my correct XXXX Lifetime Pension income with Federal Taxes not been debited.I owed the IRS {$9100.00} and have payment arrangement of {$120.00} a month for tax debt years XX/XX/XXXX. A Emergency VA Loan Modification should be implemented immediately so I can have a affordable mortgage payments. A comfortable and less strained VA Mortgage monthly payments of {$900.00} to {$1100.00} with property taxes and home insurance will ease my financial hardship and struggles.
Lenders can implement Grants to cover for any loss and pay for all lost dividends for investors. Can First Continental and XXXX XXXX implement a Grant to give me a Grant Certificate to pay for my property taxes and keep my VA Mortgage affordable for 30 years? My close of escrow was on XX/XX/XXXX. I am XXXX XXXX and Retired .I am Divorced and live alone in my home.I do n't Receive Social Security Benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (MA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: XX/XX/XXXX XXXX XXXX {$5300.00} I HAVE TRIED CONTACTING THE MERCHANT WHICH LED TO DEAD ENDS AND RED FLAGS. I ALSO CONTACTED ATT UNIVERSAL CITICARD TO FLAG THIS CHARGE AS FRAUD. I HAVE BEEN DEALING WITH THIS CLAIM FOR MONTHS AND FINALLY WAS TOLD ON XX/XX/XXXX BY A MAN NAMED XXXX, A SUPERVISOR IN THE FRAUD/SECURITY DEPT, THAT THE CREDIT WOULD BE THERE BY THE 2ND WEEK OF XX/XX/XXXX. IT IS NOW XX/XX/XXXX AND I HAVE BEEN TOLD THAT I HAVE TO START ALL OVER AGAIN. THEY WANT ME  TO RE-SUBMIT A CLAIM LIKE IT NEVER HAPPENED AFTER I HAVE BEEN CALLING AND WAITING FOR MONTHS AND THERE ARE PLENTY OF RECORDS AND NOTES ON THE ACCT FOR ALL THE TIMES I CALLED AND THAT I WAS TOLD I WAS GETTING MY CREDIT BACK AND THE INVESTIGATION WAS OVER. I HAVE DONE EVERYTHING THEY HAVE ASKED ME TO DO AND THEN SOME. I HAVE A BEEN A CUSTOMER FOR A VERY LONG TIME SO THIS IS VERY SAD THAT I HAVE TO GO TO THIS LENGTH AND I EXPECTED TO GET THIS TAKEN CARE OF WITH NO ISSUE BUT THIS IS GETTING TO A POINT WHERE I M CONSIDERING CANCELING MY ACCOUNT AFTER 27 YEARS.

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 Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (MD).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I have been making payments on my credit card. The payments clear my bank account but my credit limit does n't reflect it for 7 to 10 business days after clearing my bank. I am paying a fee to use  this credit limit and earn miles, however, I can not because my credit limit is being held up. On XX/XX/XXXX I made a {$400.00} payment that cleared my bank account the following day on XX/XX/XXXX. My billing period has since closed and as of XX/XX/XXXX this payment is still have not been applied towards my credit limit. This happened the previous month and the Citi Rep told me to make the payment over the phone. So, this payment was made over the phone and the automated service stated that my credit limit would reflect the payment in 2 business days after being received. When it did not then I called XXXX XXXX XXXX on XX/XX/XXXX and he could not help me and told me I could call another number. I have been paying other credit debt with Citi for years from my bank account which has been established and in good standing since 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