milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/27/2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I have been experiencing on going problems with Specialized loan Services since they took over my loan in XX/XX/XXXX they promptly over drew my account and withdrew payment at the same time that XXXX did. Specialized Loan Services then placed a block on me preventing me from making an electronic payment because my payment was returned. The payment was made to XXXX and Specialized Loan Services continued to call me harassing me for non payment and the payment was made. My XX/XX/XXXX payment was held and not credited to my account until XX/XX/XXXX even though it was received on time on XX/XX/XXXX they then reported a late payment to the credit bureau and charged me a late fee. I have called no less than 8 times trying to straighten this matter out and be able to pay my mortgage electronically and have been told that they can not correct the problem. I am tired of the poor customer service, harassing phone calls and late fees as well as damage to my credit report and they have only had my mortgage for 5 months. It is not a good indicator and the fact that they are allowed to operate in such a disturbing manner is alarming.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Consumer Loan (Vehicle loan) with TD BANK US HOLDING COMPANY (VA).
Issue: Problems when you are unable to pay

Complaint: I purchased a vehicle in XX/XX/XXXX after I left the military, it cost XXXX, I did make some late payments but made those up when paying the regular payments. Total payments have me paying interest as much as the car cost as you will note on the attachments, the car was paid at XXXX and the interest paid is XXXX, that is almost XXXX paid on a XXXX vehicle XXXX was the lien holder and while in dispute with them over additional late fees that I did n't owe they sold their financials to TD auto ; I continued to make payments to them while still attempting to correct the bad accounting from XXXX. I lost my job and my apartment after they wrote off debt of XXXX. That was in XX/XX/XXXX, never getting the bad late payments cleared up with them, my mother made XXXX payments on my behalf while I lived in my car and the balance of which included bad charges from XXXX of XXXX was at XXXX. I started working saved up {$720.00} to just pay it off and be done with it as a settlement. TD Auto not only did n't want a settlement they have now added on late fees on an account they have written off of their books of XXXX more. If they can continue after profit and lossing a debt to add late fees, it will never be able to be paid, it certainly should n't be legal to do so. They could add fees in perpetuity at this rate. It appears to me to be criminal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/26/2018 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Walmart has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 12-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On XXXX XXXX, XXXX purchased a sofa recliner on line from XXXX XXXX XXXX using my credit card with XXXX XXXX. The terms of the purchase were misleading. The website was not clear on payment terms if you were making the purchase using a XXXX card or using another method of payment. The end result is that I am being assessed a {$280.00} monthly payment instead of {$50.00}. I spoke to representatives at XXXX XXXX  and XXXX and could not receive any assistance. I can not afford such a high monthly payment and would not had fall victim to XXXX deceptive advertising.

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 02/14/2018 about Debt collection (Medical debt) with EQUIFAX, INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have had this Medical Collection reporting to my Equifax credit report for some time now with no success getting it removed. I have made several attempts for validation of debt with no response. 

The balance {$670.00} Date opened : XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (AZ).
Issue: Managing the loan or lease

Complaint: Was guided through the ACH process by an agent on the phone. Found out that my ACH was, in fact, not set up when I received a 30 day late on my credit report. I called in to verify why this was, and the agent stated that my ACH was never set up. During this call I did not receive my mini miranda rights. I escalated the call to a supervisor for a call back, but never received one. After waiting a week for a call-back, I sent an email voicing my displeasure to XXXX. I received a call back within the day and they stated that there was nothing for them to fix and that they do not have to read me my rights since they are not a third party ( implying that they can do whatever they want ). I also voiced my displeasure about 2 phone calls I received after XXXX local time ( I did not know who these calls were until I called 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 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (MO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My ex husband was awarded the credit card debt in our divorce per the divorce decree MO case number XXXX. When I had access to the joint funds, I had paid these and had the accounts in good standing, but since the divorce, he has neglected to pay them, and it has dropped my credit score significantly.

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 04/28/2015 about Credit card () with CITIBANK, N.A. (NH).
Issue: Credit determination

Complaint: I applied for a credit card from Citi Bank and received a denial partially based on a bankruptcy that was started XXXX years ago with my ex-spouse. It was a Chapter XXXX and has been satisfied close to XXXX years ago. I was not aware they could use that old of information as part of determining my current credit. I am attaching the copy of their letter I have written on and a copy of my credit report I got about a XXXX or so ago. My status has changed over the last XXXX years both financially and marriage. Is there not a statute of limitation for them to use that against me?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/20/2017 about Checking or savings account (Checking account) with M&T BANK CORPORATION (PA).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: To whom this may concern, I signed up for an M & T Bank Checking account on XX/XX/XXXX with the promotion code XXXX, which stated in the mailer that I would receive a promotional {$200.00} Bonus upon a direct deposit of {$100.00} to my checking account by XX/XX/XXXX.
I have met the terms of the offer by making the direct deposits to my account. However, I have not received the {$200.00} bonus as advertised.
I reached out to M & T bank on XX/XX/XXXX in regard to the {$200.00} not posting to my account. I received an e-mail back from XXXX from M & T Customer Service stating that I am not eligible for the offer since M & T Bank claims that my name was not included in this offer.
This is unacceptable. No where in the terms of the signup offer does it say that I would not be included. I switched banks from XXXX XXXX to M & T for this promotion and M & T is not holding up their end of the agreement.

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 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX ' client XXXX XXXX is an ID theft victim ; his information was used without his consent to apply for several credit cards. While those applications were denied the applications resulted in an inquiry left on his credit reports. We have notified the card issuer officially with a dispute in writing as outlined by the FCRA however a credit report shows Chase is still reporting the inquiry to XXXX. The fraudulent application was submitted XX/XX/XXXX ; our office started the dispute process XX/XX/XXXX and again XX/XX/XXXX when Chase violated the FCRA and continued to report the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Credit reporting () with ONEMAIN FINANCIAL HOLDINGS, LLC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Regarding my XXXX credit report. I submitted a request for documented verification that I authorization this inquiry. I have not received a reply from the credit reporting agency nor the company who made the inquiry in the last 45 days. I requested documentation proving i made the inquiry and if they could not show proof then it should be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: On XX/XX/XXXX ; there were a slew of illegal charges on my credit account. A total of 8 charges totaling {$2300.00}. I called Wells Fargo that same day and informed them of it. The lady said that they would be taken off my bill and a new credit card would be sent. A billing statement later, I noticed that only half of the illegal charges were deleted but half still remained. There appears to be 4 illegal charges charged twice to my account but only the initial 4 were deleted and not the other 4. Subsequent calls and in person visit to the bank have been unsuccessful to correct this. They claim that I must pay for these illegal charges and there is nothing I can do about it. I do n't know where else to turn. I only use my card for paying my utility and some small purchases here and there.

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 06/18/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (WV).
Issue: Account opening, closing, or management

Complaint: I opened an account with citi called citi gold with the option to earn a promotion of XXXX XXXX miles. I emailed their customer service to verify I met the qualifications of the award and received 2 email stating that I did and when I should expect the award. That day has came and went and still no points.

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 11/19/2015 about Debt collection (I do not know) with Hunter Warfield, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX XXXX, 2015 I drafted a letter requesting debt validation in writing of XXXX accounts ( Account Numbers : XXXX and XXXX ) Hunter Warfield claims I owe within 30 days via mail. I discovered these accounts were being reported on Equifax, TransUnion, and Experian. This letter was sent certified mail and signed for on XXXX XXXX, 2015 by XXXX XXXX. I have not received any information from this company regarding these accounts. My complaint is one of noncompliance on this company 's part. Also, these accounts are being reported to all three credit bureaus without providing validity of this debt to me. This is harmful to my credit scores. Not to mention, horrible business practices on this company 's part.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (FL).
Issue: Account opening, closing, or management

Complaint: I RESPONDED TO A CITIBANK , N.A . PROMOTION WITH CODE : XXXX ON XXXX2016. I OPENED A NEW CHECKING ACCOUNT AND HAD UNTIL XX/XX/XXXX2016 TO DEPOSIT {$15000.00} AND MAINTAIN THAT BALANCE FOR 30 CONSECUTIVE CALENDAR DAYS. AFTER 30 DAYS I WOULD HAVE A {$400.00} BONUS DEPOSIT INTO THE ACCOUNT " WITHIN '' 90 CALENDAR DAYS AFTER THAT DATE. I MADE THE $ XXXX DEPOSIT ON XXXX 9,2016 AND MAINTAINED IT THRU XXXX2016 ( 30DAYS ). I THEN WAITED 90 CALENDAR DAYS STARTING XXXX2016 THRU XXXX2016 ( 90 DAYS ). I DID NOT RECEIVE THE {$400.00} BONUS. I CALLED THEM ON XXXX XXXX AND XXXX XXXX, 2016 AND THEY GAVE NO EXPLANATION AND SAID I COULD ONLY FILE A COMPLAINT EVEN THOU MY STATEMENTS VERIFIED MY TRANSACTIONS. THEY SAID I COULD WAIT UP TO 30 MORE DAYS FOR A RESPONSE AND WOULD NOT ALLOW ME TO DISCUS ISSUE WITH THE PROPER DEPARTMENT. I COMPLIED WITH ALL REQUIREMENTS FOR OVER 4 MONTHS NOW AND WANT THE {$400.00} THEY PROMISED IN WRITING IN 90 DAYS. THANKS FOR YOUR HELP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage that was sold to PHH XX/XX/XXXX and I have had problems with them not processing my payments correctly and in a timely manner. 
I typically send additional principal payment along with the mortgage amount that is due each month. 
Mortgage payments can be paid within the XXXX through the XXXX of the month. I use to pay early before XXXX but PHH did n't apply the funds and in fact frequently called me to tell me the mortgage was " late '' because they refused to apply the early funds before XXXX the month. THey did this even though the money was sitting in the account but they simply did n't apply it. 
To avoid that I pay after XXXX the month before XXXX. 
My payments are sent through my bank 's bill pay system and the bank record indicates that the money was taken out of the account on XXXX XXXX and posted to the PHH mortgage account, XX/XX/XXXX.The excess payment towards principal was never applied. In fact when I received the statement for the following month the excess amountof {$490.00} was in a " Suspense Balance '' and was not applied towards principal. 
It was listed as " Partial Payment ( Unapplied ) ''. I contacted XXXX XXXX the PHH representative and she claimed that the payment was applied the following day because the statement was printed before the application of these funds. 
XXXX statement does n't make sense since the statement clearly shows that the mortgage payment posted on XXXX so why was the extra principal payment not included since all the moneys were sent at the same time? why would an extra payment be applied on a different date than the mortgage payment? Again, it was all sent as a single payment.Lastly, the new statements are issued after the XXXX not early in the month so this is patently false. 
Although XXXX promised to send evidence that the payment was applied, I have received no such evidence. I am very concerned that the extra payments are not being applied AT ALL and simply pocketed by PHH. 
XXXX stated I would be receiving a record of my mortgage payments for this year. 
I have had issues with PHH in the past, such as having a fully paid off HELOC line stay as an outstanding lien on my property for years because XXXX did n't record it as a satisfied mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Debt collection (Medical) with Revenue Assistance Corporation dba Revenue Group (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The company calls me repeatedly, XXXX call after another.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I became the victim of identity theft and my credit scores were marked down by equifax XXXX and XXXX and my interest rates soared and I could get no more credit and fraud investigations were cut short and I was told I would not be informed of the outcome and I was being held accountable for the unauthorized activities of another person

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I contacted Equifax, XXXX and XXXX via certified mail and return receipt regarding a bankruptcy showing in the public record section of my credit reports. I asked them to validate this bankruptcy and to provide proof of this. I have asked for copies of documentation associated with this account bearing my signature. They simply verified this information by utilizing their automated computerized system XXXX and due to this they just updated it. I contacted the court to see if they indeed report to the credit bureaus. They sent me a letter back stating they do not report bankruptcies to any of the 3 credit bureaus. My XXXX XXXX information is frozen and I also opted out of them selling my information to anyone. These credit bureaus are reporting false information which is a violation of the Fair Credit Reporting Act. This public record needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Under the new law effective XXXX XXXX,2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureaus ( XXXX, Experian, XXXX ) have not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit reports.

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 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On X/XX/2017 I contacted all 3 credit bureaus to dispute inaccurate information reporting on my credit report. I supplied them with the accounts in question and it is now XXXX XXXX 2017 and I have not heard from XXXX  or Equifax at all regarding these matters. Additionally, XXXX 's only response to my dispute was to send me a copy of my credit report with nothing to show the outcome of my disputes in question. This is completely unprofessional and a violations of my rights as consumer. This inaccurate information has kept me from obtaining new credit. Please remove it immediately. I have attached each letter that went out to the credit bureaus to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Student loan (Non-federal student loan) with HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: XX/XX/XXXX, I filed a complaint against the NJ Higher Education Assistance Authority with the CFBP for the failure of their collection firm " The Law Office Of XXXX XXXX '' to supply me with any type of receipt of payment. I also believed at the time, that the amount being reported to the credit agencies was incorrect, due to the fact that it differed from the amount being paid to the firm each month. The State looked into it. and wrote out a sufficient response that detailed the current amount owed, as well as receipts of payment which were satisfactory. However today I logged onto my credit report, and see that " The NJ Office of Student Affairs '' when conducting the report, incorrectly initiated a " Hard Pull '' in order to get the information, which dropped my credit score XXXX points, rather than the required " Soft Pull '' as they did not advise me or ask for my permission to run the " Hard Pull '', which I would not have given them permission to do. The " Hard Pull '' was conducted on XX/XX/XXXX. With the Credit Reporting Bureau " XXXX '' and according to the report will not be removed from my record until XX/XX/XXXX. This " Hard Pull '' was conducted illegally, and thoughtlessly in regards to the impact it would have on my credit score. I demand that the pull be removed immediately from my record by the " The NJ Office of Student Affairs '' and that an apology be written for causing my score to drop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (WA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I have an AMEX Platinum card and was sent an application for a Gold card which included a XXXX   mileage reward. When I applied I told AMEX ( XX/XX/XXXX ) I thought I once had a Gold card, but AMEX assured me I was eligible. I met the spending requirement and in XX/XX/XXXX not seeing the miles, questioned Amex. The company said the miles would be posted. When the miles did not turn up in XX/XX/XXXX, I called again and was told I was not eligible because I once had a Gold card. I made every effort to clarify my position and believe AMEX owes me the mileage reward.

Company response to consumer: Closed with monetary relief