milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/27/2016 about Credit card () with DISCOVER BANK (ME).
Issue: APR or interest rate

Complaint: on XXXX i called discover to see about lowering the interest rate on my account and was told it could n't be done but financial aid may be able to help. i spoke to XXXX XXXX XXXX XXXX who said i could be put on a program that would reduce my interest rate to 9.9 % o both purchases and cash advances for a period of 6 months. i noticed that each month the cash advance amount would increase. when asked why i was told all money after interest was applied to the lower purchases balance and the only way to decrease cash advance amt. was to get that balance below the purchase amt. XXXX checked with her supervisor and told me if i made a {$150.00} payment, that would bring the cash advance balance below the purchase balance and then any additional money after interest would be applied to the cash advance balance and to call back in a couple days to be put on the 9.9 % program.. i made a {$160.00} payment on XXXX/XXXX/16 after my regular monthly payment was made. i was told by XXXX that it would all be applied to the cash advance balance. before the payment was made the purchases balance was {$3100.00} and cash advances balance was {$3300.00}. when i called back on XXXX i spoke to cooper. after the XXXX payment the purchases balance was XXXX and the cash advances balance was XXXX when i explained to XXXX what XXXX had done, he said he spoke to her and his supervisor and that XXXX was mistaken and the balances were correct and there was nothing i could do about it i feel that i have been lied to. i understand the conversation was recorded and that discover has a record of what XXXX told me..

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with John C. Heath, Attorney at Law, PLLC (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: . When I requested the same information from the XXXX XXXX XXXX XXXX account which was over 7 years old they provided the information that I needed, and I was n't responsible. Therefore, I naturally requested that same information from XXXX XXXX upon closing the account. XXXX XXXX customer service/debt collectors continued to resist providing any information regarding ownership of the business account. XXXX XXXX provided, no letter 's, nothing on federal guideline facts. I 'm now just being informed of this federal guidelines fact on Friday XX/XX/XXXX, why was n't I informed of this fact upon on closing of the account? The reason I decided to stop using XXXX XXXX was poor customer service from your global locations, and it 's had to find places that take XXXX XXXX in XXXX. XXXX XXXX debt I paid that immediately when that showed up on my credit report. I yearly use and pay of XXXX Dollars in Credit. I pay my bill 's on time and I have an impeccable payment history. I will not stop, until this it 's been removed from my credit profile, and that has to happen immediately, if not I shall seek compensation. CFPB Ref No : XXXX Ref : XXXX Subject : Your XXXX XXXX XXXX Business Credit Card Ending in XXXX Account Liability Credit Reporting Dear XXXX XXXX, Account Liability We are required to retain copies of applications for a period of 25 months according to federal guidelines. Our records reflect that your account was opened on XXXX XXXX XXXX. Therefore, we are unable to provide a copy of the application you submitted for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Credit reporting () with EQUIFAX, INC. (OK).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My XXXX credit card ending in XXXX went past due XX/XX/XXXX and remained that way until it was charged off in XX/XX/XXXX. This item is still showing on my credit report even though the 7 years since the first time it became past due has passed. I have enclosed statements showing the past due status of the account as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I sent a request to have my name and address updated about a month ago and the credit reporting agency has not corrected the issue.

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 09/13/2016 about Bank account or service (Checking account) with PNC Bank N.A. (DC).
Issue: Problems caused by my funds being low

Complaint: PNC Bank manipulated transaction orders and delayed updating my account balance when items were listed as pending, which led to an overdrafting of my account. They then charged XXXX separate {$36.00} fees ( {$140.00} total ) as a penalty for their error.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2015 about Credit reporting () with Experian Information Solutions Inc. (IA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have several accounts on my credit report which were charged off and a XXXX ( I think it 's called ) was sent to me. I therefore reported this as income, and paid taxes on it. They 're still reporting on my credit report as owing them money. They 're reporting negatively every month. 
Second situation is that I 'm paying on a second mortgage and have been in good standing, which is not reflected on my credit report. My contact at the credit union contacted them with the correct updated information. However, it is still reporting negatively on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: i have had work done to my house ( XXXX ) replaced well fargo property loss dept. has refused to remit the insurance check promptly. the check was issued from insurance co. XXXX wells fargo say the sent it to me regular mail. XXXX then XXXX the problem is the check has been receieved and now the contractor is threatening to remove unit and file a lien against the property. this is a pattern of deception that is illegal.the property loss department is purposely causing this problem

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 10/14/2017 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: Information belongs to someone else

Complaint: Transunion has placed a tradeline on my credit report that does not belong to me.

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 06/21/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Trouble during payment process

Complaint: On Tuesday of this week, XXXX XXXX, XXXX, I paid off my mortgage that was held by Bank of America. The money to payoff the mortgage was transferred from another account that I had with the bank ( Rewards Money Market Savings ). The amount of the payoff was {$40000.00}. Prior to the payoff taking place, I could view my mortgage payment transaction history ( Payment Date, Payment Amount, Principal / Balance, Interest / Buydown, etc ) online on the Bank of America website. After the payoff, the transaction history was removed, that is, it can no longer be viewed. So, the payoff and hopefully the XXXX balance can not be viewed or printed. I called the Bank of America Mortgage Department this morning, Thursday, XXXX XXXX, XXXX, at XXXX XXXX to complain about the removal of the transaction history. I was told that their system automatically does this. The representative told me she would mail me a copy showing the payoff amount and that I would receive it within seven to ten business days.

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 EQUIFAX, INC. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: Sensitive information compromised in Equifax hack.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Consumer Loan (Installment loan) with Monterey Financial Services LLC (OK).
Issue: Managing the loan or lease

Complaint: I have been payingon this loan early every month. I get a letter in the mail on XXXX XXXX stating that I am overdue. I called the number on XXXX XXXX and spoke to XXXX Representatives. The first representative told me my account is current and to disregard the letter. I had concerns with this representative and spoke with another representative this representative was very rude and after 15 minutes of going back and forth finally she told me that the reason my account is overdue is because on XXXX XXXX of 2015 they did not receive a payment therefore for every month after that I have received a late payment and they have applied the payment I made for the month it 's supposed to be to the previous month. I had no knowledge of this missing payment I sent the payment in the mail as I have done every single other month I got no notification and was completely unaware that they have not received a payment. I called on XXXX XXXX and was on the phone at XXXX XXXX XXXX minutes before and XXXX minutes after I talked XXXX XXXX she informed me that they did not have my phone number they had tried to contact me they do n't mail out contacts and it was not her responsibility it was my fault and if I could n't provide proof for my bank that it had been cashed that they were completely within their rights to charge me the late payments and continue to play each payment that they receive each month early with a statement that they gave me that goes with each check for the according month she told me that that was their business practice. I asked why they did n't send me a letter some notification something I asked her to hear me out she was rude and horribly demeaning. I did call my bank today and there was not a payment for XXXX cashed. did send this and I did n't know they did n't receive it now they have been charging me late payments for over a year as a penalty and not sent me any kind of notification that I received I 'm stuck and I need help and clearly calling on my own has gotten me nowhere. When I ask to speak to a supervisor I was told there was none available their and there would n't be any available and If I wanted to speak to XXXX I just have to call and try my luck. Those are direct quotes. 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 07/17/2017 about Debt collection (Credit card debt) with JPMORGAN CHASE & CO. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a call from a woman named   XXXX   XXXX   claiming she was representing Chase bank. She attempted to get me to acknowledge and make payments on prior debts of my deceased grandmother. Upon asking this woman for detailed contact information including the firm she represents she would not provide it to me. Only a phone number. I do not believe she or her firm is a legitimate debt collector or attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with Southern Loans, Inc. (NC).
Issue: Struggling to pay your loan

Complaint: My payment is due by the XX/XX/XXXX of each month. Realizing I could not make the payment this month, I called XXXX ( XXXX ) XXXX, to let her know that I 'd make a double payment next month. This is the first payment I missed. I called XX/XX/XXXX. It 's XX/XX/XXXX and I 've had over 5 calls. 3 just this morning. They are calling my mothers phone yelling out XXXX and hanging up. My mom calls back to find out who they are and it was Southern Loans. It 's childish and Inc all for especially since I called them. In return they started calling me the next day as if my situation would change.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Debt collection (Medical debt) with State Collection Service, Inc. (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX XXXX is collection on behalf of XXXX XXXX. I do not disagree that the debt is likely valid and I will settle via XXXX. 

This company is spoofing its outgoing phone numbers to appear to be different phone numbers in WI. EX : XXXX called me at XXXX on XX/XX/XXXX. The actual phone number for this company is XXXX. 

In addition, when called on XX/XX/XXXX by this company I answered this WI phone number. They asked me to verify my information, even though they had called me via a dialer. I asked if this was an attempt to collect a debt because via my FDCPA rights they are required to tell me this is an attempt to collect a debt regardless of who is on the phone. They refused to tell me what company was calling or why, including the supervisor I was transferred to despite my protections under FDCPA. 

In addition, when I finally called back and verified, they did not tell me that I could dispute the debt or that I could request the name and address of the original creditor, which is part of my protection under the law. They gave the disclaimer, said they were collecting from XXXX a $ 100ish amount. And asked how I would like to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Debt collection (Medical) with Collection Bureau of the Hudson Valley, Inc. (NY).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: DEMAND FOR DELETION OF MEDICAL DEBTS ON VARIOUS CREDIT REPORTS!!! 

As I have attached a mandate to all pertinent credit bureaus, XXXX, XXXX and XXXX XXXX respectively, the attached complaint is backed by legal statue of the Federal Trade Commission and the Consumer Financial Protection Bureau. The most destructive items that can take a person out of the credit business is medical debt. That problem has been growing for the past two decades. Collection agencies have been abusing consumer 's rights under the Fair Debt Collection Practices Act for many years. Now we consumers have a chance to redeem ourselves. The medical area has now a new mandate that must be adhered to strictly. The criteria for this mandate is as follows : 1 ) A medical supplier, if owed for services rendered must submit to the consumer 's medical insurer. If there is an issue over payment, the medical issuer can not submit a fee invoice to any collection agency for a period of six months after the initial 30-day invoice period. 
2 ) If the insurance does not pay the claim, or if the claim was partially paid, the medical issuer can submit the non-payment balance to a medical collection company. However, this collection agency must give a 180-day notice that if the matter is not resolved or settled within that 180-day timeline, then they can place the collection on any pertinent credit bureau, i.e. XXXX, XXXX and XXXX XXXX respectively. 
3 ) In essence, American consumers now have approximately 210 days from service to payment before the medical industry can go back into the destructive mode they have used for years. Non adherence to these rules, no matter what medical collection agency are now subject to serious fines and/or sanctions for the violation of this Federal Trade Commission mandate. All credit bureaus have agreed to abide by the Federal Trade Commission/Consumer Financial Protection Bureau mandate. 
Accordingly, I demand the attached medical collection agency remove all aspects of a collection against me with all credit reporting agencies, mail to me a demand letter for payment or an offer of settlement. I will go back to my insurance carrier for an immediate review of all claims, and if the claim can not be 100 % satisfied by said insurer, then I will make the necessary payment arrangements in full or upon any agreed upon settlement. 

The credit reporting item nonetheless must be removed immediately and a new timeline 180-day count must begin on the date a demand letter is mailed to me at my residence.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2016 about Payday loan () with Big Picture Loans, LLC (AL).
Issue: Charged fees or interest I didn't expect

Complaint: I had no idea that I would get charge so much interest on a {$350.00} loan. I have borrower from Lend up and they dont cost nearly as much as BPL. I have made 2 payment triple the about I borrowed. Please help me! 
I have made over XXXX in intrest.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Bank account or service (Checking account) with M&T BANK CORPORATION (MD).
Issue: Problems caused by my funds being low

Complaint: m and t bank will hold on to checks that should have been cashed when the account is low so they can charge you with an over draft fee, this is happing to many times.

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 02-06-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have begun receiving at least XXXX to 3 calls per day from Diversified Consultants , Inc . They are very rude and claim they are contacting me regarding a bill I owe to XXXX XXXX XXXX. 

I do not owe XXXX XXXX XXXX and do not want to continue to be harassed by this organization and want them to stop. Today I received a letter via the mail claiming I owe a balance of {$550.00}. 

Please make them stop calling and mailing me. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Zenith Financial Network Inc (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Recieved a call from a lady name XXXX earlier in the week and she stated I owe a debt with XXXX XXXX and gave me the price of the alleged debt owed. She stated legal actions will be taken against me is debt was not paid. She Call today about the debt but this time it was a different amount. I googled the company and read that people were scamed by this company ZFN & Associates. The number she used to called my cell is XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Credit card () with Alliance Data Card Services (WA).
Issue: Billing disputes

Complaint: XX/XX/XXXX This is the supporting information enclosed with the letter of dispute dated XX/XX/XXXX. 
This charge of {$400.00} is invalid. 
Here is the detail information of this incident : 1. In XX/XX/XXXX, I purchased a new, unlocked iphone from XXXX. ( Encl.1-A ) 2. I received an unsatisfied product because of the DISHONEST BUSINESS PRACTICE conducted by XXXX third party seller, Q1W. The phone I received is a pre-owned, locked by XXXX 
3. I contacted XXXX to request a refund. But XXXX refused to offer any assistance stating because the order was fulfilled by third party seller, there is nothing they can do. 
4. I began contact the seller for refund. The seller insists that it is a new phone. During the conversation, the seller even suggested " jail-breaking '' to make it work. I refused because a new phone does not need to jail-break, and it would potentially void the warranty. Furthermore, it indicates that the phone I received is not brand new ( The seller knew it. ). 
5. In the meantime, I also filed dispute to XXXX ( now XXXX ) explaining all the details 6. With the help of XXXX, I have obtained a report that clearly shows this phone 's previous owner 's name and address. ( Encl. 1-B ) 7. I presented this evidence to the seller and XXXX. The seller finally agreed to offer a full refund. 
8. I sent back the phone as per seller 's instruction and tracked the progress closely. I compiled a file listed all the actions I took during the process. ( Encl.1-C ). 
9. The same timeline of the progress was also sent to XXXX for verification ( Encl. 1-C ) .The final notice # XXXX dated XX/XX/XXXX received. The charge of {$400.00} was removed based on the facts that the wrong product was sent to the customer and I have put my best efforts to return the product and have the wrong charge removed ( Encl.1-D ). Everything seems to work as it should be. 
However, unfortunately ... ... .. 
NewEgg, the original seller of this purchase, refused to provide any services to their customer in the first place. I, as a customer was forced to bypass NewEgg, to proceed the product return and refund on my own. 
Worse yet, NewEgg later imposed a charge back against my PayPal account for the money they are absolutely not entitle to collect. And, and NewEgg suspended my account all together. 
Based on the information provided above, it is crystal clear that the charge of {$400.00} is invalid. Under no circumstances, I should pay for the product/service that I do not receive.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I was shocked when I reviewed my credit report and found a late payment on the date below : CREDITOR : XXXX/XXXX XXXX Account # : XXXX I was never late 30 days in the month of XXXX 2017. I have always made my payments to you when I received my statements. I am not sure how this happened. I believed that I had made my payments to you. My only thought is that there was a billing error with my statement.

Company response to consumer: Closed with explanation