milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-05-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (ME).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Over the summer, forget the exact date but can look it up if needed. I have the capital one buypower card. I went into a store one day and purchased something worth a little over 4 dollars. This card is one of had for a while and would purchase things with occasionally. The card payments were set on automatic payments as I have set up on all my other accounts. However, one day I got an email stating that my payment was late. Confused by the email I called the company and the lady I spoke with assured me that my card had automatic payments. When I asked if the payment would be made and everything would be okay. She again assured me that everything is taken care of. My sole purpose of the call was to make a payment. However, the customer service agent failed to tell me that their system for automatic payments stopped working ... they stopped them altogether. And that my automatic payment would not go through before the time limit in which they would send the missed payment to the bureau. I hung up the phone assured that the payment would be made. I just assumed the system was taking it at the last minute like it usually does. A few weeks go by and I again get an email. This time from XXXX XXXX  telling me that there was a hit on my score. When I checked it turned out to be that missed payment. My automatic payment did n't go through like the lady assured me it would. And now I have my FIRST missed payment on my credit report which was not my fault. I was not notified the company took off automatic payments on their own. And when I called in the first time I was not made aware that had the payment not been taken that day it was going to go on my credit report. I remind you ... the balance was XXXX dollars. I was calling that day with the intention of clearing it out. It 's XXXX dollars .... of course I wanted to pay it off. I 've never missed a payment. Ever. As seen on my report. When I called in the second time the lady asked if I wanted to take care of the payment and I assured her that I would. And that lady is the one who made me aware that I was not on automatic payments and that they stopped my automatic payments ... without telling me. When I filed a dispute with the company they called back and took absolutely no blame for their employee misleading me as a customer and allowing my credit score be affected. I feel extremely mistreated by this company and do not feel as if a XXXX dollar missed payment should be on my credit report ... out of all the payments I 've made. Especially if I had automatic payments and was assured by the first individual that it was still active. I tried filing a dispute on XXXX XXXX but nothing came of it. I hope that you all can clearly see how I was mislead and abused as a customer. 

Thanks, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-03-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Loan servicing, payments, escrow account

Complaint: This complaint involves Bank of America ( BOA ) Mortgage Account. BOA escrows the funds to pay my homeowner 's insurance as a part of my monthly mortgage payment. 

In XXXX of this year, BOA informed me that starting in XX/XX/XXXX my monthly mortgage payment would rise from {$3400.00} to {$4100.00} to cover my newly received homeowners insurance bill for XXXX XXXX through XXXX XXXX of {$6400.00}. 

I immediately contacted my homeowners insurance company, XXXX. My normal homeowners ' annual insurance coats were approximately {$2100.00}. I continued to make my usual payment of {$3500.00} ( the mortgage plus {$6.00} towards the principal. ) XXXX explained that the total of {$6400.00} was for THREE YEARS : XXXX XXXX through XXXX XXXX and could be AMORTIZED over three years. And did NOT have to be paid in one year as BOA was attempting to do. This would return my monthly mortgage back to its original amount of {$3400.00}. This amortization could be retroactive back to XX/XX/XXXX when BOA first attempted collect the higher monthly mortgage. In fact my homeowners insurance had not gone up at all. 

On XXXX XXXX, XXXX, the XXXX XXXX notified BOA of the three year amortization. However, BOA continues to demand the larger payment of {$4100.00}. When called BOA ACKNOWLEDGED RECEIVING THE COMMUNICATION FROM XXXX. 

Last week, I was notified by a credit watch agency, BOA has posted on my credit reports a MORTGAGE DELINQUENCY, even though I have continued to pay my mortgage on a timely basis.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/21/2016 about Mortgage (Conventional fixed mortgage) with American Financial Resources, Inc. (VA).
Issue: Application, originator, mortgage broker

Complaint: I had been looking to refinance by home mortgage as the interest rates are now lower than it was when I had purchased my home. I found a company called " Elend '' or " American Financial Resources, Inc '' who offered me 3.375 % interest rate and a lender credit of {$800.00} among other costs that were mentioned in the loan estimate which was provided to me by the representative of Elend. A copy of the loan estimate is available with me in the email format which can be provided if needed where the above costs and credits are mentioned. Based on the comparison of rates from other providers I went with Elend ( or American Financial Resources, Inc. '' ) solely because they provided a lender credit of {$800.00} which was higher than other competitors and hence the total cost of closing would be less. 
However, after my loan application was processed ( nearly 2 months after the initial rate lock agreement was signed ) I received a " Closing Disclosure '' document from Elend 3 business days before the closing date in which lender credit was reduced to {$65.00}. On questioning the representative from Elend about why the lender credit was decreased I got a response that it was not something they could do anything about. In this case the creditor ( Elend ) has not complied with XXXX XXXX XXXX ) ( XXXX ) ( i ) because the actual amount of lender credits provided is less than the estimated ''lender credits '' disclosed pursuant to XXXX XXXX XXXX XXXX, and is therefore, an increased charge to the consumer ( me ) for purposes of determining good faith under XXXX XXXX XXXX ) ( XXXX ) ( i ). 
In the hindsight if Elend had let me know from the beginning that the lender credit that they would provide would be {$65.00} then I would have never chosen them as my provider because I had better offers from others. I think that this tactic of mentioning a higher lender credit was used by Elend ( American Financial Resources , Inc ) just to get me to use them and not to actually provide the credit that they promised. They are also in violation of XXXX XXXX XXXX ) ( XXXX ) ( i ). 
I hope an appropriate action is taken.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Checking or savings account (Checking account) with COMMERCE BANK (CA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: In XX/XX/2017 I relocated from XXXX to XXXX and as a result needed to close my Commerce Bank checking account. I contacted their call center and advised of my move. The representative informed me that she would notate the account, but since my account had a small balance, I would have to contact the local branch to get arrangements for a check to be sent. I was given a phone number and called multiple times leaving voicemails. 

The following XX/XX/XXXX, I checked my account online to ensure it was closed as I was never contacted back. I noticed two fraudulent charges on my account. I immediately contacted Commerce Bank and reported the fraud. I was told by the call center that because my account was closed, I would need to contact the local branch. I was again given a phone number to a local branch, called the number and left voicemails as no one would answer. I was never contacted back. 

Additionally, I emailed Commerce Bank and reported the fraud on my account. I was given different phone numbers to call. I tried these numbers with the same result. I was informed that my information was sent to the local branch for them to contact me. I was never contacted. 

A week ago, I advised Commerce Bank that if the issue was not resolved in one week I would be filing a complaint. This time my information was forwarded to the local branch. The branch manager called me while I was at work and left a message. I have called her number 3 times, left voicemails, and advised of specific times I can be contacted to avoid issues during my work hours. Each time I miss a call from Commerce and return the call, it goes straight to voicemail and we have still not been in contact. 

This issue has gone on far too long at this point. This is a Regulation E violation as my report of fraudulent debit should have been investigated within 10 days. I have copies of all emails I have sent along with phone longs documenting the numerous times I have contacted Commerce Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NM).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX and Equifax are not responding to my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Mortgage (VA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My loan account was transferred to another mortgage company in XXXX XXXX. I have been on a bi-weekly payment plan with my previous mortgage company since XXXX XXXX. I paid an extra month a year towards my principal through the bi-weekly plan for about 10 years. I made XXXX payments in two of the months during those years, which are XXXX bank drafts per year. This should have reduced my loan payoff date, ( maturity date ) from XXXX XXXX. I have occasionally checked with Citi-mortgage in regards to my loan payoff date. I was always told that it was XXXX XXXX because of my enrollment in the bi-weekly advantaged plan. When my loan was transfer to Carrington Mortgage, it was written on my statements that my maturity date is XXXX XXXX. My issues are with all the money that was applied to my principal since XXXX and adjustments made to the amount of interest that has been amortized. I also understood that the extra one-month payment a year would also reduce my interest that further reduces the loan payoff date, ( maturity date ). I have expressed concerns to the new mortgage holder regarding the loan payoff date, ( maturity date ) because of the way it is stated now I will be paying them more money than is actually owed. They are telling me that even though I am paying every XXXX rather than XXXX, it would not affect my maturity date. People enroll in these types of plans to reduce the time it takes to pay off their mortgage loans. During the transfer process, I received letters from both mortgage companies stating that nothing will change about my loan terms or conditions. That statement appears to be false. I feel I am about to be swindled out of a lot of money without a true loan payoff date, ( maturity date ) bases on accurate financial calculations of my bi-weekly plan payments since XXXX XXXX. I feel the new mortgage holders of my loan account should not have purchased my loan if they did not agree with the existing terms and conditions of the bi-weekly payment plan from the previous mortgage holder.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Debt collection (Other debt) with National Credit Systems,Inc. (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XXXX I spoke with a representative at ext. 101 from National Credit Systems about settling the debt owed by a former apartment complex where I resided. The initial settlement offer was {$850.00} and I was waiting for approval so I could clear my debt. On XXXX, I received a call stating that the offer had been refused and I now have to pay {$1300.00}. Also, they would submit documentation stating to the credit bureaus to remove the negative item. As I went to accept the offer, I asked if they could provide a statement in writing. I explained to her that I did not feel comfortable paying {$1300.00} with no documentation. The rep refused. She exclaimed that they will never send any documentation and there is no reason to even go back and forth about it. Now I am stuck with this negative remark on my credit report and no way to dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: On XXXX XXXX, 2016 a lender paid on my behalf approximately {$43000.00} toward my federal student loans that are serviced by FedLoan Servicing. At the time of payment I provided instructions to FedLoan Servicing to apply the {$43000.00} to certain loans, specifically, the loans with interest rates of 6.5 % and 7.5 %, which I identified by their respective loan sequence numbers. Contrary to these instructions, FedLoan Servicing applied the {$43000.00} to the loans with the lower interest rates ( 2 % ). I immediately contacted FedLoan Servicing and advised them of the error and throughout XXXX received repeated assurances from FedLoan Servicing that the error would be fixed, e.g. that the {$43000.00} would be reapplied to the proper loans. Despite receiving these assurances and acknowledgement of an error by FedLoan Servicing, FedLoan Servicing has not fixed the problem and provides a raft of excuses each time I call customer service. This obstructionism is contrary to the policy on their website which states, inter alia, that " if you need us to reapply a payment you previously made, we can accommodate that as well. '' https : //myfedloan.org/borrowers/payments-billing/targeting-payments. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-07-2016 about Debt collection (Medical) with I.C. System, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Medical provider for my daughter referred a {$540.00} debt to I.C. System XXXX XXXX XXXX. I.C. System will only accept payment by credit card if it is processed through " XXXX, '' which charges a {$30.00} fee to process the payment. The effect is that it charges debtors a {$30.00} fee in order to pay their debts. My understanding is that this violates XXXX XXXX XXXX ( XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Money transfer, virtual currency, or money service (Virtual currency) with MUFG UNION BANK, NATIONAL ASSOCIATION (CA).
Issue: Fraud or scam

Complaint: On  XXXX   XXXX     2017  - I went to  Union  Bank in  XXXX   XXXX , CA and wired {$1000.00} to a bank overseas. The company that I sent it to never acknowledged that they received it or gave me credit of it. Wit h in two we eks I contacted the Bank and stated that the company i sent the money to has n't acknowledged it and that I have proof. They checked twice with the sending bank ( B of A ) and then did a trace - every time they checked - I had to call them too see if they had discovered where my money went - each and every time that stated we ca n't get an answer back from the receiving bank.   I then went to the  XXXX   XXXX  branch of  Union  bank - they out a trace on it - same thing - after an unbelievable wait - no one can find the money - the receiving Bank does n't respond - each and every time I have had to call them - they do n't call me. On or about  XXXX   XXXX     2017  I called the Ban k Manager  at the  XXXX   XXXX  branch -  XXXX  - and stated that if I did n't hear from him in a couple if days I wold file a complaint with you. Today he calls me and states that the office of th e President will be looking into it and someone will get back to me. When I asked him what will they be doing it turns out   that they are going to do the same thing all over again for the third time hoping for a different out come - unbelievable stupidly or hiding th eir screw up.

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 06/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
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: Spoke wit h Equifax over the phone on  XXXX / XXXX / XXXX  about an error on my report regarding a false claim that I owed a medical bill. I was and am still currently on social security  XXXX . Medical procedure was covered, and this was dismissed from court last year,  XXXX .  XXXX   XXXX  is the debtor. They have no claim to this charge as it was fully released. I have proven this with all   XXXX   credit agencies, including Equifax. Equifax removed the false court judgement after investigating, but left  XXXX   XXXX  as a current collections account. This is the same collection account. It should not have been duplicated on the credit report. They agreed after investigation to remove it, but only removed half. Now, they told me I had to reopen a dispute on  XXXX / XXXX / XXXX  for the incorrect information that they already agreed to completely delete, so that I have to wait another 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2016 about Prepaid card (Gift or merchant card) with U.S. BANCORP (PA).
Issue: Fraud or scam

Complaint: i registered the gift card and am unable to use it.after several calls got a live person and they told me that it was registered to someone else.eventhough i can access the account and change the pin number.this is XXXX percent a scam

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 01/19/2016 about Credit card () with BARCLAYS BANK DELAWARE (IL).
Issue: Unsolicited issuance of credit card

Complaint: Greetings, I formerly held a XXXX XXXX XXXX, administered by Barclay Bank. After the merger of XXXX XXXX and XXXX XXXX, my card was converted to an XXXX XXXX " XXXX. '' I did not receive the card in the mail. I did not receive the terms and conditions by mail, email or any other way. I never possessed the card. I did not activate the card. Regardless of this, XXXX converted my autopay settings, which provided automatic payments from my XXXX checking account. They charged me an annual fee on the card I did not apply for, did not want, did not possess, and did not activate. Then they collected partial payment from my checking account and began to charge interest on this annual fee. It took a few months for me to notice, but when I did, I called and requested that the card be cancelled immediately. They promised to cancel it. It was not cancelled. They continued charging me fees, interest etc, and taking money directly from my XXXX checking account. I called again, and requested to cancel the card and a refund from all fees/interest charged on this card. They refused, and I asked for at least a refund on payments that took place after I called to cancel the card and they failed to cancel it. In short, I was charged an annual fee + interest + servicing fees for a card I did not apply for, did not want, did not possess, and did not activate. Is this legal? I would like to file a complaint against Barclays Bank, XXXX, and XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/17/2017 about Mortgage (VA mortgage) with LoanCare, LLC (AL).
Issue: Trouble during payment process

Complaint: The mortgage company is not applying my payments to bring my mortgage current. They are manipulating my payments to charge me late fees. I contacted them on XXXX/XXXX/XXXX, and they said they would correct it. They did n't they just further manipulated the numbers to still have me paying late fees. They are dishonest.

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 03-03-2016 about Bank account or service (Checking account) with TCF NATIONAL BANK (MN).
Issue: Account opening, closing, or management

Complaint: I am steady receiving harassing, threatening, and abusive phone calls and death threats, from TCF Bank debt collectors for an unauthorized and fraudulent checking account, someone opened in my name illegally and fraudulently. I never applied or opened a checking account with TCF Bank.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I disputed a bankruptcy on my credit reports back in the begging of the year. OnXX/XX/XXXX I sent a letter to the Georgia Federal Court ( US Bankruptcy Court ) in regards to how they verify Bankruptcy to  the Credit Reporting Agencies ( XXXX, Transunion, and XXXX ). I received a letter back from the court onXX/XX/XXXX stating that they do not provide information to credit reporting agencies. On XX/XX/XXXX I sent the letter from the court along with my letter asking them to validate this information with the Bankruptcy court and provide me with copies of any documentation associated with this account bearing my signature. They did not provide the information requested in the time allotted as per Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ).

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 08/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (CO).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: It 's blocking from enabling external 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