milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/19/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Credit determination

Complaint: In a 31 day or less Billing Cycle I make at least XXXX payment to my accounts with Capital One. Each time I make these XXXX payments this company takes almost 50 % of the payment amount toward the balance for APR each time, not only for purchases but cash advances. Making it almost impossible to every pay down your balances. I want to know the interest that is charge should be on each payment you make after initially making your minium monthly payments each month is a violation of my consumer rights?

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2016 about Bank account or service (Other bank product/service) with ZIONS BANCORPORATION (UT).
Issue: Account opening, closing, or management

Complaint: A handwritten letter from another bank customer arrived tucked into official correspondence from the bank. 

The handwritten letter was from my parents who I 've gone to great lengths to severe ties with for safety reasons. The letter addressed a banking request ( they wanted me to remove my name from their safe deposit box ). The letter then included personal questions and information about my children as well as a request to restore contact with them. 

This is a completely unacceptable breech of my privacy. Any request to remove my name from a safe deposit box should have been handled by the bank exclusively.

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 12/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
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: Disputes were submitted on XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX and XX/XX/XXXX to Equifax, XXXX XXXX and to XXXX. The lack of communication these agencies give is utterly ridiculous. As a consumer, it is my right to dispute inaccuracies on my credit files, in which I have. However, these agencies have violated the Fair Credit Act by not responding to my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (CO).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage continues NOT to notify us of escrow increases. Nationstar does not provide us billing statements nor allow us online access to our account. In XXXX, we had an escrow increase with No notification, and then we received a XXXX XXXX court notice of foreclosure by Nationstar. This tactic appears to be " predatory : to me. They can not provide : coupons, billing statements, escrow changes, late payment notifications, online access XXXX to all clients ) but they can notify the XXXX XXXX Court of intent to foreclose. 
XX/XX/XXXX we took the initiative to contact Nationstar and found out there was another escrow increase. Since we did not receive notification, I would assume the same process would have started all over again. 
Even though we were vindicate in XXXX XXXX court, Nationstar 's inadequate processes of processing payments negatively impacted our credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (MO).
Issue: Trouble during payment process

Complaint: WHEN I REFINANCED MY LOAN WITH XXXX MORTGAGE UNDER THE HARP ACT, ON XX/XX/XXXX, I UNDERSTOOD THAT A NEW APPRAISAL WOULD NOT BE NEEDED. SO I ASSUMED MY ORIGIAL APPRAISAL FROM XX/XX/XXXX IN THE AMOUNT OF {$87000.00} WOULD BE APPLIED TO THE LOAN. SO WHEN I CALLED TO REQUEST THE PMI BE REMOVED BECAUSE I AM AT 80 % XXXX, THEY TOLD ME MY APPRIASED VALUE WAS {$77000.00}. WHEN I ASKED HOW THEY GOT THIS NUMBER, THEY SAID IT WAS THE " SALE '' PRICE, OR THE PRICE OF THE LOAN THAT THEY USED. I 'VE BEEN IN CONTACT WITH, XXXX MORTGAGE ( ORINGAL LENDER ) /NATIONSTAR/MR. COOPER, FOR SEVERAL MONTHS, TO NO AVAIL. THEY KEEP TELLING ME THAT THERE IS NOTHING THEY CAN DO. I BELIEVE THIS IS UNFAIR AND DECEPTIVE, AND I WOULD LIKE SOMEONE TO TELL ME IF THEY ARE CORRECT, THAT THE LOAN VALUE CAN BE USED AN APPRAISAL.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Checking or savings account (Other banking product or service) with TD BANK US HOLDING COMPANY (FL).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: I am having an issue with being able to access till my banking information to release it to a third party they are not releasing my information

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (KY).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: i XXXX XXXX XXXX to both chase and XXXX XXXX XXXX and fbi XXXX file called XXXX XXXX in XXXX kentucky and local police months on line been scammed i beleve from ex employee for {$80000.00} im getting no were im on SS cant pay and credit report cant borrow on house of bad credit report XXXX XXXX XXXX of XXXX XXXX XXXX XXXX, ky XXXX XXXX ... XXXX XXXX XXXX XXXX # XXXX chase card # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Debt collection (Medical) with Professional Medical Management, Inc. (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This collection company is continuing their collection activity on this account on my credit report. I feel they did not validate this account or debt per my request that I sent them in the mail previously. They have not provided signed proof that I incurred this debt, an itemization of the debt and a copy of the underlying account statement and other written validation and explanation of the debt. 

Being that they failed to provide it, this is a clear violation of FDCPA. At this point I am entitled to statutory damages, as they continue to report this information and that is highly damaging to me. Proper validation consists of copies of some type of current creditor records, not records which only verify that the collector believes an account is valid. 

Under federal law, I could hire an attorney to sue them at no cost to me and ask for {$1000.00} in damages, since credit bureau reporting is considered a collection activity and have failed to provide legal documentation that they are reporting this account 100 % accurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/22/2017 about Debt collection (Medical) with SYNCHRONY FINANCIAL (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I am currently dealing with an account with XXXX. The account was settled, but I 'd never received receipt or any proof of payment, all I have is bank statements stating that I paid them. this is still showing up every month as an unpaid debt on my credit report and as I am trying to purchase a house, this is really hurting my credit. My calls to XXXX and with the promise of an email stating that my account is paid and closed, But I never get anything and it continues to show up on my credit report every month as a delinquent balance.

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 10-05-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (SC).
Issue: Loan servicing, payments, escrow account

Complaint: I believe the lender, Nationstar Mortgage, is effectively changing the terms of my loan. Although payments are not late until the XXXX of the month, and my payments have been set up on autodraft since the inception of the loan, recently the bank has had oversees callers calling me beginning on the XXXX of the month or earlier asking for payment. These are call center employees without access to my account records. I feel this is harassment plain and simple, to get people to pay earlier than they need to in order to be in time.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Debt collection (Medical) with Grant Mercantile Agency (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: An ambulance company ( nobody now is clear on whether it was XXXX XXXX in XXXX XXXX, from XXXX ; or XXXX, from XXXX ; anyway ... ) sold a debt to Grant Mercantile Agency ( XXXX XXXX XXXX ; XXXX, CA XXXX ; XXXX ). If in fact I was in an ambulance of theirs for any reason, and that is indeed how they collected my information, the point is, I have had XXXX since XXXX and they would have covered any ambulance pick-up or transport -- THIS IS NOT MY DEBT! I had insurance, they knew it, and I never should have been personally billed.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (WI).
Issue: Loan servicing, payments, escrow account

Complaint: We paid a monthly mortgage on line on XXXX/XXXX/16 but did not receive a confirmation number, so the next day XXXX/XXXX/16 we looked on line at the bank statement and did not see it as pending so we went on line to the mortgage company again a did the payment and this time got a confirmation number. The next day we looked on the online bank statement and saw two payments for the mortgage one paid and one pending. We then called the mortgage company telling of this error which made an overdraft in the checking account. They said to send them copies of the bank statement a the wire routing number for the bank and they would take care of it. Well the next day we did not see anything happening so we call Nation Star Mortgage again and they said they got the fax but could not read the bank statement page so instead of calling us they did nothing because they did not know which XXXX of the XXXX phone numbers to reach us at. So we refaxed the info again and after two more phone calls and 6 hours later they said they got all the info, but now it would take 10 to 14 business day to process the fund refund back into the checking account. We are being charged {$35.00} a day to the over draft. I understand it was our error for this but I do n't understand why it takes so long to as the mortgage company says to review the paper work and refund the money when it only takes 10 minutes to pull the money from our account to start with. Now they have our extra money and are making interest off it foe the 10 to 14 days but ca n't move any faster cause of this review process, which is only having A Person look over the paper work and then issue a credit refund calling it their policy. I believe their policy is only to make more money off of situation like this, and it need to be revised.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Consumer Loan (Installment loan) with EMCC Holdings, LLC (MD).
Issue: Problems when you are unable to pay

Complaint: I purchased a timeshare and in 2012 defaulted on the loan due to being laid off. I was contacted by XXXX the original creditor and was offered to sell back my timeshare to my understanding at the time I filled out the ppwrk but never received the {$200.00} it is now showing on my credit report as a foreclosure. I contacted Equaint Financial and was told they do not have the loan or can not service it and was told to contact XXXX XXXX they advised they never serviced my loan it was sold to them by XXXX. So they have no knowledge of the opportunity to sell it back. 

My issue is that from my understanding Equaint can not report to the credit bureau for a debt they cant service or own. Once I reached out to them they reopened my account and it no longer is saying foreclosure but is saying that it is 120-149 days late. How can this be when it was closed for foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have an unauthorized credit inquiry dated XX/XX/2018 from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I currently have an account with Pinnacle Credit Services on my credit report that I disputed because I did not believe the account was mine. It came back as verified with all XXXX credit bureaus. Recently, I contacted all XXXX credit bureaus to remove the dispute comments from my credit report since I would like to apply for a mortgage. XXXX complied, however, XXXX and XXXX stated that based on the status of the dispute they would have to re-dispute it to have it removed. I got the updates from XXXX and XXXX around XXXX XXXX stating that the investigation was complete but the account remained in a dispute status. I called both XXXX and XXXX on yesterday, XXXX XXXX, regarding this. XXXX removed the dispute status, however XXXX stated that they could not remove the dispute because the creditor felt like the issue was unresolved and I would need to contact them. I called Pinnacle Credit Services at XXXX and spoke with a representative who informed me that they no longer held the account, and I had to speak with someone at XXXX XXXX. I was also given the account number of XXXX, phone number XXXX. When I spoke with the representative at XXXX XXXX, they informed me that they bought out XXXX and that this account was no longer being collected on or reported, but its still being reported on my credit report. She also told me that the account was from XXXX 2009 ( which is 7 years ). When I explained the situation to the representative she stated that all updates would be made in XXXX. With the information that I have been given, I do n't understand why Pinnacle would not remove the dispute comment from my credit report, especially since they no longer own the debt! This has been a very frustrating process for me since all I wanted them to do was to remove the dispute comment, but to find out that the account is 7 years old, no longer owned by the company reporting on my credit, and to then be told it 's not reporting but instead it is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-09-2016 about Debt collection (Credit card) with McCullough Payne & Haan, LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: COMPANY DEMAND PAYMENT ON ACCOUNT OUTDATED SINCE 2007, NOT MY ACCOUNT, PAST THE STATE LIMITATION TO COLLECT PER OCGA 9-3-23 AND 9-3-25

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 05/27/2016 about Consumer Loan (Installment loan) with ACE CASH EXPRESS, INC. (CA).
Issue: Problems when you are unable to pay

Complaint: I have asked the debt collector numerous times to not contact me at my work as they are jeopardizing my job but yet they continue to do so every time. I gave them my personal mobile number and they still call me at work and every time I tell them they say they will remove the number from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are several inaccuracies on my credit report that I thought I clarified with documentation. I had sent, copies of divorce papers, police report and copy of my dl, and the credit reporting agencies still have not updated my accounts. 
Furthermore there were XXXX fraudulent addresses on their reports of places I have never been, accounts I had never opened. They ignored the updates to my file. These errors affect my life, I am on a fixed income and every point in this system, which I am at their mercy to counts by the dollar. I want all of them held accountable for their mistakes. I do not want to lose my house because they do not scour the information like they claim.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (OR).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: On XX/XX/XXXX we deposit XXXX for a total of XXXX. Then on the same date bank of America processed a check for XXXX and XXXX. Then we deposited XXXX more on XX/XX/XXXX and then had 3x XXXX fees for XXXX  XXXX XXXX, and autopay that went through as all debits are processed because credits even if applied on the same date. We asked if they could reverse the fees and they refused. Paychecks get held for three days before they are available. XX/XX/XXXX our XXXX XXXX  automatic payment was deducted on the same day my check was supposed to be direct deposited but it did n't go through, so on the XX/XX/XXXXwe made a deposit of XXXX to cover the insurance and the fee. Which leaves us penny less because of fees. Our van also broke down.

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 10/26/2015 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (LA).
Issue: Loan servicing, payments, escrow account

Complaint: Last fall I began the process of being qualified to receive relief in my mortgage payments via the HARP Program with Chase Bank. There was a steady flow of information back and forth but what made it tough was that every 3 to 4 weeks I was assigned to a different Account Assistant. I seldom talked to the same person twice. So everything had to be repeated numerous times. Finally I was informed that I qualified for Harp relief by XXXX XXXX, who told me to keep paying and not to get behind while the agreement was being finalized. I was told that my mortgage payment was being changed from {$1700.00} to {$970.00}. I sent this in on a timely basis. In the midst of this XXXX XXXX was removed as my assistant but I was not aware of the change -- no one called. Then I got messages from someone from a collection group saying that I was expected to pay {$1700.00} and the {$970.00} could not be applied to my mortgage. I explained that there was an error and I was now under a different plan. Well l was charged {$69.00} late fee. I protested. My case was escalated to a manager at Chase who tried to help but who continued to misread the contract. Eventually I was told that I had been kicked out of the Harp program because I had paid my bills on time. So I wondered if this were the case, why should I pay {$69.00}. In the meantime I had paid another payment of {$970.00}. I was told by the manager that I would be refunded the {$69.00} which did occur. The manager told me that even though my payments were reduced to {$970.00} and even though I did not have to pay the late fee but if I stayed in Harp every month my credit score would be challenged by a late payment. I did not accept this. I immediately sent Chase a check for {$3400.00} to cover the XXXX reduced payments and to keep my account current and to stay out of Harp. I asked Chase to remove the penalty statements from all of the credit bureaus so that my credit rating would not be adversely effected. Chase refused. I am insisting that Chase does the honest and right thing which is to inform each of the credit bureaus that I did not have a late payment. Chase should send me a letter confirming this.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (CA).
Issue: Managing the loan or lease

Complaint: My car was repossessed XXXX XXXX, 2015 and i had an amount due of XXXX including past due charges finance charges as well as the repossession fee of XXXX. I had a month to do so it took Ally Financial 5 days to give me information on redeeming my vehicle. When i finally received the information i started gathering my funds. They gave me a month to pay the XXXX in FULL, they were not taking partial payments. I up called the tow yard to see how much a day was the fee and they stated " For ally we do not charge for storage fee '' Ally tried adding on XXXX $ of storage fee onto the top of the XXXX. Every time i called i had to explain to them the place my car was held had no storage fee some representatives refused to remove the fee. I ended up redeeming my vehicle paying XXXX in FULL on XXXX XXXX, 2015 i did receive an 7 day extension to redeem my vehicle. After bringing my account down to XXXX $ they added a hidden fee of XXXX on my account a couple days later which is adding late charges to my account. Its now XXXX XXXX, 2015 I 've been calling Ally explaining my situation for 3 weeks now and they have still done nothing, all the of reps claim they will note my account and they note very little leaving me a whole story to explain they told me i have to talk to redemption and i did call them as well as the tow yard and redemption states " we did not put any charges on your account because we would n't have released the vehicle if there were remaining charges left, you have to pay the amount owed before redeeming your vehicle ''. So i then called the storage company and they states " There are no charges left pending for that car ''. So that leaves me to believe they added some random charges to my account and they are trying to cover their selves. I spoke with a lady in Texas and she told me that i probably wont be able to dispute the charges because its something i owe. When state law states all charges must be paid in full before redeeming your vehicle. Im paying my care note on time and trying to refinance my car and i cant because of charges on my account.

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