milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Alliance Data Card Services (RI).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: This is a credit account for 24 months with out interest used by our XXXX t0 finance XXXX  work. 
My wife started early this year, I started in XX/XX/XXXX. 
The attached PDF shows the typical XXXX XXXX XXXX XXXX XXXX billing stub. 
The stub clearly shows that payment must reach XXXX by XXXX XXXXET of the due date. 
I do all my billing thru my bank, and I have setup my account with XXXX with Autopay, for 24 months, so on the 19th payment will reach XXXX  ( as I have done with all my other billing ). So, XX/XX/XXXX was my first payment. 
On my XX/XX/XXXX statement I notice a {$39.00} late fee. 
I called and told the customer seervice rep that according to my bank ( XXXX ) payment was made and money withdraw from my account on XX/XX/XXXX. 
He insisted that no payment was made, but after a while trying convince the CSR he charged gave me a {$15.00} dollars credit. 
On XX/XX/XXXX bill again I found a late fee. 
I called again XXXX  CS but, knowing they would not be able to help, I asked for a supervisor, I was on hold for over 20 minutes, finally I hanged up. 
Made my payment in XX/XX/XXXX, and on XX/XX/XXXX I received a call from XXXX. 
Did not answer, but called back within 5 minutes. 
The CSR told me that I was overdue, I told her that - again - according to XXXX  payment was made and money withdrawn on XX/XX/XXXX, she insisted that it was not. 
I have attached also mu wifes XXXX stub and activity as a sample to show that both accounts have the same process. Thankfully, her account is OK. 
If I incurred an error setting up the account, I would like to know how XXXX was able to make payments and where this money is going, because the payment name and address are correct.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-02-2017 about Debt collection (Other debt) with I.C. System, Inc. (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I. C. System, Inc. sent  a letter on    XXXX   XXXX   2017.  The claim, the creditor is  XXXX , the collection ag ency I.C. System, Inc.  is claiming to represent  XXXX  ; claiming we have a balance due of {$100.00}. Because we have a very detailed records retention process, we pulled up every bill paid on the account in question ; all bills were paid on time, the account was closed, and the  Creditor  sent us a chec k on   XXXX   f or money they owed us.  <P/> I contacted  XXXX    X/X/17     at   XXXX   XXXX  , spoke to  XXXX , who doubled checked our closed account, her response I quote : " your balance is  XXXX , you 've been a excellent customer, would you like to come back to us? '' I asked one more time, do we owe  XXXX  anything, " no you do not, ignore the collection letter, it sounds as if you 're being scammed. ''

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 08-08-2017 about Mortgage (Conventional home mortgage) with Dovenmuehle Mortgage, Inc. (NJ).
Issue: Trouble during payment process

Complaint: XXXX XXXX XXXX has failed to correct their record even after I have notified them of the Notice of Error. The responses that was provided is incorrect.
The attached record will provide proof that XXXX XXXX sold the mortgage to Dovenmuhle Mortgage Inc ( who claim to be the servicer of the loan ) on XX/XX/XXXX ( see attachment ) before I signed the Loan Modification which is illegal. As a result, Dovenmuhle Mortgage added an extra XXXX and set up an escrow account as well as a suspense account to to the mortgage onXX/XX/XXXX in an attempt to recover money they claimed that they lost, once it was transferred from XXXX XXXX XXXX, the previous servicer of the loan ( See attachment ) Dovenmuehle Mortgage contacted XXXX ( my insurance company ) and provided false documents so that they could set up the escrow account. The attached documents will show a clear violation of the contract sign on XX/XX/XXXX. In a letter dated XX/XX/XXXXfrom XXXX to the Insurance Company RE : Mortgagee Clause Change Endorsement Request to change from XXXX XXXX XXXX to Dovenmuehle Mortgage INC effective immediately since the mortgage was transferred on XX/XX/XXXX. The only records that Dovenmuehle Mortgage keep presenting is dated XX/XX/XXXX. Can you, Dovenmuehle Mortgage INC or XXXX XXXX XXXX explain why the Insurance need to change if the mortgage was not sold? Why does the statement showed a new mortgage? Why does the statement show a 2nd mortgage once it was altered if I only have one mortgage? Is this an effort to cover up the truth by all departments involved?
Attached is the letter received from the escrow dept for the taxes showing that violation was corrected from the Notice of Error without admitting it : Dovenmuehle Mortgage INC fail to show the signed documents which caused them to set up a new loan on XX/XX/XXXXwhich was used to make changes with XXXX XXXX. I want such proof An escrow is only necessary to pay for taxes and insurance. If the insured is paying for their insurance and the property is tax exempt why is Dovenmuehle Mortgage the Servicer for XXXX XXXX XXXX charging extra money ( overcharging ) me on the mortgage payment and you the CFPB is allowing it in violation of my consumer rights?

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Mortgage (Other type of mortgage) with ZIONS BANCORPORATION (CA).
Issue: Trouble during payment process

Complaint: Payments for my mortg age to Zions National bank were consistently paid and NEVER LATE. I fell behind in my taxes and asked Zions National bank to impound my taxes with my mortgage payments and they refused to do so. Zions National bank continued to accept my mortgage payments which I increased from {$4900.00} to {$6100.00} to cover the rearages of my taxes. Zions National Bank accepted my payments and then foreclosed any way and violated their contractual obligations to render payments to the taxing authorities and did not act in Good Faith.Zions National Bank admitted that they took the additional monthly sum for the past 15 months and applied it towa rds the principal to buy down the mortgage, rather than apply these amounts to my taxes..I hired  XXXX   XXXX , attorney and they foreclosed even though they kept accepting my increased payment of {$6100.00} and stated the foreclosure would be suspended I also contacted  XXXX   XXXX ,  the District Repr esentative for Congressman  XXXX   XXXX   XXXX  an d asked for their help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
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 paid off XXXX in XX/XX/XXXX in full but it still appeared on my report. But it was fine, just still appeared when all other Medical billing companies came right off! I disputed it back in XX/XX/XXXX and since then it shows up as 'Derogatory ' in big red letters on XXXX XXXX and other soft draw agencies. Went through BBB And XXXX just gave me the soft shoe shuffle!

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 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BAYVIEW LOAN SERVICING, LLC (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX XXXX has negative remarks on my credit report that are inaccurate and recently sent documents that are fraudulent. The statements have wrong addresses and documents that look altered. I would like XXXX XXXX XXXX XXXX to provide me with the Deed ( contractual ) Mortgage to prove I applied for a mortgage with this company not address or name verification but contractual agreements for a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Payday loan, title loan, or personal loan (Installment loan) with Bliksum, LLC (CA).
Issue: Problem when making payments

Complaint: I have a loan with loanMe which form the start was set up on auto draft ACH. they stopped drafting it and I was un aware. They then gave me a modification and again set me up on auto draft. then 2 month later the same thing happened causing late fees and damaging my credit and harassing phone calls to people I never listed on the application making it very embarrassing. the loan was then modified again setting up AUTO DRAFT ACH AGAIN!!!! same thing the not taking the payments and continuing calls when it was set up right from the start and I clearly want action taken against them and justice to be serviced for their scam artist tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Consumer Loan (Vehicle loan) with EXETER FINANCE CORP. (NC).
Issue: Managing the loan or lease

Complaint: I financed a vehicle with Exeter Finance in XXXX 2015 alongside a cosigner. I financed it at at 14.7 which was slightly higher than my other vehicle was financed at. A couple months ago I ran into the issue of the cosigner taking off with the car which I know bear some fault on my own part but Exeter has been of no assistance in helping locate the cosigner to notify of lapse of insurance on the car. I also offered to pay the loan off in full if the car could be returned, or I would like to be released from the contract since technically both of these parties breached it. 
Then the other day as I was monitoring my credit I noticed how little had come off the principle. I knew from work that around {$320.00} should come of my principle with the {$410.00} payment. However the amount coming off was around {$190.00}. I was very upset as I read through my paperwork and kept seeing " annual interest rate '' but for some reason being charged a daily interest rate. I paid my other vehicle off and have another one ( since this one was taken ) and I have no issues whatsoever trying to guess what my interest portion of my payment will be. I am very upset and thought Exeter would be like other finance companies I have dealt with who did not hide their charges and understanding of the process.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX See current reporting statements below on XXXX and TransUnion Reports from XXXX XXXX site. Many inaccuracies reported.. Reports different information to different bureaus. XXXX not available. 

Line of Credit {$8000.00} ... Correct. Incorrect states I owe almost {$18000.00} for excessive interest and fees. How? Account has been closed for years. 

Reports to bureaus 3-4 times XXXX, no report XXXX, or XXXX and now reporting again XXXX. Same company Reports no past due On one bureau shows none due as minimum payment '. The other bureau owes monthly minimum payment {$9900.00}. ( yes, this is not a typo ) Acct open XXXX and Last Payment XXXX ... probably correct. 

-- wife loss job in XXXX ( not her acct ) and I have not worked since XXXX both of us are XXXX, Company has called leaving various voice mails not disclosing they are debt collectior on my wife 's cell voice mail. Last call XXXX left message stating they were XXXX XXXX ( not giving name of their company ) and calling about a claim ( no mention of debt collection on voice mail ). She called back about claim and what was this about. Talked to my wife about my account without my permission. She is not a co-borrower on account. Threaten my wife to seize my XXXX  and wife ; s SS by freezing our bank account so we couldnt pay our bills so they are paid..We dont own home, do not own vehicle. We have no savings, This company Breaks Credit Card State and Federal Laws -EOCA -The Card Act 2009 -Fair Credit Reporting Act Predator Credit Card Lender. Sent revisions to terms and said you automatically agree or pay account off in full.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: After a legal name change my credit card was no longer updating on my credit report. I asked Transunion to investigate and they completely removed the account. I reached out to them in XX/XX/XXXX to  alert them that the account should be there, they said if XXXX submitted the information it could be added back. XXXX confirmed they are submitting the information. I followed up in XX/XX/XXXXand Transunion once again claimed that chase had not submitted the information. XXXX Confirmed they were submitting the information to all three credit agencies. Transunion supervisor said he found the information and it should be on the system within 20-30 days. I followed up again in XX/XX/XXXX. After multiple calls to XXXX and Transunion I was ultimately told by trans union they would not allow the account to be added back. 

This is my oldest account and 2/3 of my available credit. My Transunion score is showing 25 points lower than the other two Credit companies because of this.

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 05-05-2017 about Debt collection (Medical debt) with Strategic Alliances, Inc. (VA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Please need more info on the debt and if i could submit my   XXXX   XXXX   XXXX   the the   XXXX   XXXX   , if c ould lower the amount at all

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Mortgage (Home equity loan or line of credit) with CITIZENS FINANCIAL GROUP, INC. (MI).
Issue: Loan servicing, payments, escrow account

Complaint: 2nd Mortgage Payoff I am very disappointed with Citizens One Bank and their payoff of practices with regards to my 2nd Mortgage. It is my educated opinion that Citizens One practices are unethical and not in the consumers interest. I have also filed a complaint, XXXX, related to their practices of mortgage loan payoffs with regards to my 1st mortgage. 

XX/XX/XXXX Payoff letter requested. Interest cost {$2.00} per day, starting on XX/XX/XXXX, until paid in full, please see calculations on supporting documentation. Disclaimer on Citizens One payoff letter states " any outstanding checks or charges that are not included in the above payoff amount are the responsibility of the customer. '' XX/XX/XXXX Closing documents signed. 

XX/XX/XXXX Funds received by customer and Citizens One Bank. Citizens One did not dispute this assumption on my part when I complained about my 1st mortgage payoff. Interest due {$27.00} plus payoff XXXX = {$13000.00}, less that original check amount of {$13000.00}.??, see below. 

XX/XX/XXXX Citizens One generated letter stating my loan was paid in full. 

XX/XX/XXXX Collection letter generated by Citizens One. 

XX/XX/XXXX Called customer service. In speaking with customer service I was told that a check was received for {$13000.00}.??, that it was posted to my account, reversed and returned to the closing agent on XX/XX/XXXX. I was also told that on XX/XX/XXXX a second check was posted, {$13000.00}, which paid the loan in full. At no time was I ever informed that my payoff was short as implied in the payoff letter quote above. Citizens went back to the title company and charge me interest on the loan balance while they waited for resolution. I was also made aware at the time of my call that since my loan was paid in full that Citizens only maintains the loan on their online banking system for two days after pay off so I, as the customer, ca n't see how the final payoff was completed, no transparency. In addition when I asked to confirm the date the original check was received I was told that the only department that could confirm the date was the payoff department but they do not take phone calls and customer service does not have access to that information. 

This entire experience has left me to wonder how much of Citizens One 's interest income is made up of income derived by not applying payoff funds when received, not backdating funds to the date received or by not following through by contacting their customer when funds are short, if it is stated as my responsibility they have a duty to inform me of the shortage. Citizens One practices are one sided, their side to increase income, and are seriously in need of a review of internal controls ( collection letter generated after paid in full letter ). I firmly believe that the CFPB should look into the payoff processes at Citizens One for both their mortgage and consumer loans divisions.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (PA).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: I received a letter from Chase asking me to verify information for an XXXX credit card for which they say I had applied. This letter was sent to an old address of mine ( and I received it via mail forwarding which will soon expire ). My credit reports show a hard inquiry from Chase Bank on XXXX XXXX, 2017. I did not authorize this, nor did I apply for any credit card. I called Chase and told them I had not applied for card and wanted it closed, and want the hard inquiry removed from my credit reports. I further wanted them to tell me by what means had the credit card application been submitted -- whether by mail, phone, or internet? And I wanted any other information about the application they could provide me. They had no interest in helping me with any of this information, and instead tried to sell me identity protection. They insinuated I must have " accidentally '' applied for the card. I know of 2 other people who recently had the identical XXXX/Chase credit cards attempted to be opened in their names as well. There seems to be a clear pattern here, of fraudulent activity specifically with Chase/XXXX credit cards. I have no other inquiries on my credit reports, and neither do the other 2 people who have experienced this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-04-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Closing/Cancelling account

Complaint: Approximately XXXX weeks ago, I was traveling out of town on the weekend. I tried to use my Bank of America XXXX credit card. The charges were declined. I have had this card at least XXXX years. I tried my Bank of America XXXX XXXX Card and it was also declined. The merchant called the Bank of America and I personally talked to someone and was told that I had closed my accounts. However, when I insisted that I had not closed these accounts, I was told that there is " something '' wrong with my citizenship and country of origin. During the next XXXX days, I spoke to XXXX different people at Bank of America, was put on hold for prolonged periods of time and transferred to multiple people and no one would give me straight and truthful answerbabout why my accounts were closed. Finally, the matter was resolved and my accounts were reopened but only after I insisted on talking to a supervisor. I was told that the federal government requires proof of citizenship in order to continue my credit card services. I have had these credit cards since 2005. I have never had to provide proof of citizenship. 
Clearly, Bank of America is racially profiling me because of my last name and country of origin. My wife and XXXX, who are also on this account, with different last names, were never asked to provide proof of citizenship. I have other credit cards from other banks, which I have had for XXXX years, and I have never been asked for proof of citizenship. In addition, none of my colleagues or friends or spouse have ever been asked for proof of citizenship to open or MAINTAIN a credit card account. 
Clearly, Bank of America is XXXX profiling me!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Resurgent Capital Services L.P. (WA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: As a homeless Veteran who has been trying to make amends to be able to purchase a manufactured home. This company XXXX ( Bought out by Resurgent ) has REFUSED every attempt to get this account REMOVED from my credit report. XXXX/RESURGENT RE-AGED this account in XXXX and shows this account is OPEN with a current date of XXXX, which is contrary to actual documents. 
ALL three bureaus HAVE REFUSED EVERY ATTEMPT to have this account removed from my credit report. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX

Company response to consumer: Closed with explanation