milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/24/2016 about Credit card () with DISCOVER BANK (CA).
Issue: Billing disputes

Complaint: Complaint number:XXXX, addition to complaint when talking to the discover card representative I asked her what was discover cards late fees and she could not tell me. She had to stop and try to calculate the amount they charged me on my account. This is very disturbing because on all my other bills including other credit card bills the late fees are the same every month. They do n't change based on who you are, or how much you make. If this is the case discover card can do what their doing now and charge me what ever they want that month. The XXXX to XXXX unwanted phone calls a day are also annoying, even after paying my bill for that month they still aggressively call my house and parents house trying to get me to pay them more money for that month and nothing going to the {$7500.00} balance that I have with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/21/2015 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (OH).
Issue: Loan modification,collection,foreclosure

Complaint: The original loan was executed by the complainant and hi wife XXXX in XX/XX/XXXX in the amount of {$68.00}, XXXX with XXXX XXXX XXXX XXXX XXXX. As security for the note, the parties granted XXXX as nominee for XXXX XXXX. The note and mortgage were subsequently assigned to XXXX XXXX XXXX XXXX, who assigned them to XXXX XXXX XXXX Bank. 
In XX/XX/XXXX, the parties filed for a divorce with XXXX notifying XXXX XXXX XXXX XXXX that she would not be paying any mortgage payments. In XX/XX/XXXX, XXXX XXXX XXXX XXXX filed a foreclosure action in the Court of Common Pleas, XXXX County, Ohio in Case No. XXXX against XXXX XXXX, XXXX on the unpaid principal of XXXX. 
In XXXX XXXX, the Court granted XXXX XXXX XXXX XXXX summary judgment and the Complainant filed a Notice of Appeal on that judgment. In XXXX XXXX, the Complainant was contacted by Caliber Home Services with a bill that stated that I owed XXXX. 
Caliber also stated that it would modify the loan and restart the mortgage if I paid XXXX by XXXX XXXX, XXXX to Trial Period Management, which I did. 
On XXXX XXXX, XXXX, I was notified by the XXXX County Sheriff Department that my house is due for sale on XXXX XXXX, XXXX. 
I 've never heard from Trial Period Management and was waiting for correspondence from them when I received the notification of the sale.

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 EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Due to the recent Equifax breach, they failed to adequately secure my social security number driver 's license information, date of birth, address, and all other related information that someone would need to steal my identity. Equifax has breached over 100 million people 's trust due to their lack of care and security concerns. I am now faced with the consequences of their inability to adequately protect the information that they have in their files. At minimum we should be allowed to have our information deleted from the system. I am not going to suffer a potential Financial loss if someone uses my information as it has been confirmed my information was breached by Equifax. I will also suffer a loss due to me having to now pay for my credit reports to be monitored. I can not trust their systems.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Struggling to pay mortgage

Complaint: I have been attempting to do a modification with SPS..   I have a HUD  counselor I am working with, and this organization does not work with the counselor. I  have been told my application is incomplete, but the form on their website  XXXX   XXXX   XXXX  has only  XXXX  pages. I am told my form should be  XXXX  pages. I received a letter with the form and it had only  XXXX  pages. M y counselor has requested the form be faxed three times, and they refuse to send the correct form.    I am current on my mortgage, but my wife can no longer work, and we have less income.. It will be difficult for me to pay my mortgage going forward.   I have asked about the HARP, an d SPS  will not entertain a discussion about it.   This servicer is not doing their due diligence on my request for assistance.   I have explained their website has  XXXX  form and the form I was sent is missing sections. I was told the form is different for each person.. This can not be true.. as they will not fax the form in question

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Student loan (Non-federal student loan) with HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (DC).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: In anticipation of my loans entering repayment after an in-school deferment, I e-mailed a NJClass representative to ask about my bill due date an the amount. I was given incorrect information, and as a result my account is currently delinquent. The e-mail history is attached here.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (PA).
Issue: Loan modification,collection,foreclosure

Complaint: PHH Mortgage has done several things to make my mortgage increasingly untenable and are now threatening to foreclose. When I submit late fees, they disregard instructions and apply it toward principal, subtract the outstanding fees from the base payment, claim I was late, then apply yet more late fees. I now owe well over XXXX $ in late fee due to this 'snowballing ' of late fees. Once, they sent me an escrow overpayment check of XXXX . I called to confirm that that was not an error and was told it wasnt. A month later, after the money was spent, they said it was an error and I had to remit the entire XXXX $ immediately. I could not do this, so my next payment was applied to that and I was assessed another late fee because they claimed I had not made a payment toward the mortgage. They eventually came up with a repayment plan but at this point my XXXX $ mortgage was now about XXXX $ per month. This made a difficult ( due to injury ) mortgage incredibly hard to pay, resulting in more late fees. Their phone representatives are completely inconsistent ; at XXXX point claiming I owed no fees followed by a letter saying I owe hundreds. Once they claimed they could not look beyond 2 years back of the loan due to their computer system ; a claim that is completely implausible in the year XXXX. Now- I have changed positions and well equipped to incrementally pay off everything, but the bank demands 100 % payment or nothing ( they will not even accept my regular payment ). Of course, they are charging more late fees because they claim I am not paying. Naturally, my credit is completely ruined as well. I spoke to them on XXXX/XXXX/XXXX and they demanded a double payment to stop foreclosure. I pointed out if they had not sent back my last payment and I made a payment on-the-spot, that would have been the same thing, but the returned payment had, at that point, been re-routed to other bills of mine. I offered to make a double payment on XXXX/XXXX/XXXX and they said I would have to make a *triple payment " or be foreclosed. This is impossible of course, although it could be done on XXXX/XXXX/XXXX, yet I suspect they would demand a quadruple payment by then.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: There is an issue with the reporting agencies using their own methods of scoring a FICO score. I read on the FICO website that the agencies are allowed to use their own method to score a FICO score, WHY? IF businesses are using a FICO score in which the standard of that score keeps changing, then how is that Fair Credit Reporting? I recently needed a FICO score for a home mortgage application and the FICO from all three agencies were vastly different with the bottom score being 80 points lower from the top score. Needless to say I didn't get the loan. These agencies need to be held to a single standard if businesses are going to use them in their credit reports and analysis of peoples credit applications.

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 01/26/2018 about Credit card or prepaid card (Store credit card) with STERLING JEWELERS, INC. (TX).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: A few weeks ago some one went to XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX, to make a payment for me, on my account. The person making the payment is not in my account and is not authorized to get any information nor make any transactions, yet the customer service representative/sales agent provided information on my account without my authorization. This action caused a series of events that affected my life including the possibility of a divorce.Attempted to contact corporate office as well as customer service but phones are not working.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with LJ Ross Associates (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a collection letter f rom LJ Ross  on  XXXX  for an unpaid account from  XXXX  on  XXXX / XXXX /  XXXX  . I was sure I paid that account in full but being so long I was n't exactly sure now ... So I sent a dispute letter on  XXXX  asking how I owed on this account a nd why LJ Ross  is collecting on this account but never received any information back. Under the Fair Debt Collection Practices the collection agency is not allowed to further collect on this debt until it is verified. They are still trying to collect by posting it to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-10-2018 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: COMMONWEALTH FINANCIAL is reporting three collection accounts to the credit bureaus that are not owed by me. I have disputed these accounts with all three credit bureaus, but they just added a statement " Consumer disputes this account information Medical ''. The credit bureaus or Commonwealth Financial have yet to verify that this debt belongs to me. I have told them that I do not owe them and this is not my debt and they continue trying to collect on the debt and continue to report it on my credit report. This is false information. Filing a complaint here is my last resort. I do n't know what else to do to stop them from reporting this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Credit card () with Alliance Data Card Services (CA).
Issue: Billing disputes

Complaint: On XX/XX/2017 my bank issued a paper check in the amount of XXXX to Paypal Credit. This check was received and deposited by XXXX of XX/XX/2017. On XX/XX/XXXX, my account still showed a balance of {$650.00}. I asked about it, and they requested I provide them with check number, date of issue, date of deposit. This information was provided. I have provided this information to them several times, both by email, and by phone. They still have not credited my account for XXXX. The last message I received from them today asked me to provide proof of electronic payment -- when I have already told them a check was mailed. They keep asking for the same information over and over again and wo n't resolve the issue. They have not made any progress, and each representative I speak to seems to be talking about the situation as if it were the first time I 've made the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Bank account or service (Other bank product/service) with Alliance Data Card Services (FL).
Issue: Account opening, closing, or management

Complaint: I recently reviewed my credit report and observed that COMENITY BANK CONDUCTED A HARD HIT INQUIRY ON MY CREDIT REPORT THAT I DONT RECALL AUTHORIZING. I am requesting COMENITY BANK to provide me physical proof that I authorized the inquiry. If the fail to provide me physical proof of my authorization COMENITY BANK NEEDS TO CONTACT XXXX, XXXX, & XXXX and remove the inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Between XXXX and XXXX of XXXX, Equifax suffered a data breach, due directly to their lack of digital security. A simple and easily available penetration test series by a professional organization would have found and prevented the data loss. This information is IMMUTABLE. IT CAN NOT CHANGE. So, I am left with a problem that will be MY problem for the rest of my life, thanks entirely to poor security practices. As someone that works in XXXX, in XXXX, protecting your and their XXXX data, it galls me to think that a company that I did n't have a choice with maintaining a file with, has damaged my life like this. 

DO SOMETHING.. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: CRA is in direct violation of Metro 2 compliance, FCRA sec 609, Michigan Consumer laws..

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 07/18/2017 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (FL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: We attempted to buy a mortgage with Chase in XX/XX/XXXX with a {$10000.00} down payment. We were ready to close but when we went to meet with the officer to sign the papers, the loan officer was not there. There were lots of whispers and waiting when we finally learned the truth. The loan officer disappeared with all our paperwork, turns out, he was seriously ill and the paperwork was on his home computer and could not be retrieved. No one bothered to tell us. We had to start the process all over and almost lost the house. The new loan officer who was assigned, sold us an FHA. She said we could refinance soon because we were paying a larger down payment and get rid of the private mortgage insurance. We decided to refinance in XX/XX/XXXX because the value of our home increased and we wanted to get rid of the pmi and get a lower interest rate. The same loan officer who closed the loan was working on this. Chase only offered a 1/2 % of our current rate, but she said we 'd save money because we could get rid of the PMI. She said if the refi was denied, we 'd get our {$500.00} application fee back. Then, THAT LOAN OFFICER HAD SERIOUS XXXX IN THE MNIDDLE OF THE REFINANCE, and again, no one bothered to tell us. Several different people took over but even though we 've never been late with our mortgage and our credit score was XXXX. Chase denied the loan and kept our {$500.00}. The denial came XX/XX/XXXX after we had everything in order, ready to close. Now Chase is express mailing, sending and phone soliciting all kinds of offers to refinance. We could have sued them for mishandling our initial loan but we decided to give them another chance. Then they do this. We want our {$500.00} back. I tried, but no one is listening.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2015 about Bank account or service (Checking account) with TCF NATIONAL BANK (MI).
Issue: Problems caused by my funds being low

Complaint: XXXX did it again. XXXX checks written days apart held until the perfect moment to hit me. The {$74.00} check in the pictures I 'm enclosing was written 6 days previous. Please make them stop this criminal robbing of their customers I 'm begging you they 've taken hundreds it if not thousands from me and my family. You 'll notice in the second pic I had {$200.00} in my account to cover these checks so how am I {$78.00} in the red when the checks do n't come close to equalling {$200.00}? Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2016 about Bank account or service (Other bank product/service) with REGIONS FINANCIAL CORPORATION (GA).
Issue: Making/receiving payments, sending money

Complaint: I recently open up an account with XXXX XXXX. I then enable online banking. Once in online banking, I tried to enable online Bill payment. I was told that I could not do that as the XXXX party company ( XXXX ) who handles online bill payment had marked my name with a red flag. The reason for this is that someone had opened up an account at Regions bank XX/XX/2013 and Regions bank had then closed that account. I then called Regions Bank, and they told me to go in person to a local Regions bank branch to fill out and identity fraud form which I did. I then got a letter from Regions stating that my name had been cleared. I then go back to XXXX to see if they could enable my bill paymnet, but still my name is not cleared in the XXXX system. I then contact both XXXX and Regions to see my next step. XXXX was no help at all as they are saying it is Regions bank. Regions bank is saying they do not see anything flags ( even in there XXXX system ) that my name is flagged. I got a name of the person who had wrote the letter stating my name is clear, but after 6 attempt to call him and left a voicemail everytime, I am still not hearing anything. My complaint is against both Regions and XXXX as I am stuck in between these XXXX companies and unable to figure out what to do next.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/13/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I will try and be brief as possible as there are a lot to this complaint. I have been fallen victim to zombie debt and banks selling bad credit card debt and robo-signing court documents. I have been forced to pay on debt when I have made it clear I had NOT seen, heard, had any correspondences or seen any statements or burden of proof I owe debt. I have fallen into the system by default due to the tactical advantage of debt collecting lawyers. I was intentionally mislead to obtain a default judgement. I have not seen anything or any statements of said credit card and I have not heard from them on any debt I owe for over XXXX years. Last I knew I paid the debt and I cut up my card back in XXXX or XXXX. I never paid on this debt after that since I had not known I owed anything at all. Once I was able to obtain any statements that are specious in of itself especially since there were XXXX different account numbers from same original banking institution of record. Only XXXX account number was referenced to from debt collectors as breach of contract and the other account number is what the bank of record has as my account with them. Even the banking institution shows nothing on file only that I had held an account there in the past and account number if the bank wanted to know more info they even had to call card services to obtain any information. Please reference my attached documents and my response to the court once I obtain statements.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Credit card () with BARCLAYS BANK DELAWARE (MA).
Issue: Other fee

Complaint: Was a happy XXXX card member for years, in late XX/XX/2016 XXXX converted the card portfolio to Barclaycard ( XXXX ). We almost never carry a balance over, but we started to in XX/XX/XXXX and Barclay has been overcharging the interest expense every month. Instead of charging interest on the carried balance they charged it on the entire average balance. So if we charged {$3000.00} last month and carried {$3000.00} from previous months then they charged us 15 % of the {$6000.00} = {$75.00}, should have been {$37.00} in interest charges. They are double dipping, getting the interchange fee ( 1.5 % of purchase, equal to an 18 % apr ), plus they are getting the interest on the purchases at 15 %, that is the equivalent of an 33 % interest charge. 
I feel this practice is very unethical, if not illegal. We converted, not by our choice, from XXXX to Barclaycard MasterCard, so if we leave we lose all the points we acquired in previous years. Completely unfair and is why the big financials have the hated reputation they have now. Hope you folks over there can investigate.

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