milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-02-2018 about Mortgage (FHA mortgage) with LoanCare, LLC (WI).
Issue: Trouble during payment process

Complaint: As usual my husband and I received our Mortgage statement in the mail. I typically pay our mortgage online through Loancare. Loancare is a company hired to collect for XXXX. On the XX/XX/XXXX, I go online to pay the mortgage and realize that we are now being charged a XXXX $ fee to pay our mortgage. This was not there when we paid the mortgage in XX/XX/XXXX. So, I wait until XX/XX/XXXX to call Loancare and speak to someone regarding this fee. The Representative tells me unfortunately the fee process started XX/XX/XXXX. I inform her we never received notice and she stated it was online. I then ask how could this be when your given a grace period of 15 days to pay without being penalized? She states that Loancare only collects for XXXX and that this is Loancares cost for collecting. This representative then proceeds to inform me she can process the payment this one time without the fee, that next month I need to pay between the XX/XX/XXXX-XX/XX/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 08/16/2015 about Credit card () with SYNCHRONY FINANCIAL (WI).
Issue: Billing statement

Complaint: In XXXX of 2014. I was on an extended holiday in XXXX XXXX. I attempted to use my Amazon store card to purchase items from there and have them sent to where I was residing. They stated they needed my store card number, I had done this in previous years, this was the first time they had requested that information, I was told it was a new consumer protection move. It was instead a requirement of the cards new issuer, synchrony bank. As I did not have the card with me, and my husband could not locate it at home, they agreed to issue a new card, which they did do. The first month after the issue, I went on line to pay my bill the online statement reflected that I owed XXXX, and my payment was XXXX, the online payment Center would not accept a payment. After several phone calls by my husband, we gave up and he ended up paying my bill by phone, out of his own account. All the while the automated statement reflected that I was paid in full, even though I knew this was inacurate. This is still going on. When I got home it took XXXX phone calls over 2 months to attempt to resolve the issue, in XX/XX/XXXX I was given a different set of payment instructions, as their on line payment button still reflected the totally inacurate information, verifying I was paid in full. The new payment method worked for two months. This month I went on line following the information they gave me it no longer works and my account once again innacuately reflects I owe XXXX. When I called them they gave me an entirely new set of directions, which require me to go to their own site to pay my bill. They flat out refused to fix, or explained why the button that you press to " pay your Amazon store card '' doe not work. They also refused to explain why they did not care to fix it, or provide a working link to their own site, that interfaces with the Amazon site. It is my contention that synchrony bank is deliberately doing this to collect late fees they are not entitled to by luring customers ears into believing they have no monthly payment due. This has happened in my own case, it may have also potentially damaged my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Deposits and withdrawals

Complaint: In the past 30 days, there have been numerous instances that have resulted in our institution fraudulently and without cause having money taken from our account, by Bank of America. The first instance was on XXXX/XXXX/2016. A deposit was taken to the XXXX XXXX BOA, counted, and we were given a deposit slip. Later on, we noticed {$3100.00} has been deducted without our knowledge. We were later sent a piece of paper a deposit totaling {$6200.00} was missing {$3100.00}. There is no way their correspondence was even close to accurate. We went down to XXXX XXXX, where the young teller who counted the money admitted that the whole amount was in the deposit bags when he counted it. He was given stern looks, and then employees began searching through the trash ( hopefully they were n't looking for the deposit! But the timing was obviously suspect ). After speaking to XXXX XXXX, a representative at the branch, they eventually decided to credit us back the money ; however, they put it into the wrong bank account, and we had to have it transferred over. This was the first instance of Bank of America taking money from our account, saying we never deposited it even with a valid deposit slip. 

Next, on XXXX/XXXX/2016, Bank of America decided to deposit the same deposit into our account twice in the amount of {$1300.00}. Upon being alerted to their error, they they proceeded to deduct {$1300.00} out of our account, which is obviously {$20.00} more than their original error. Again, we had to call XXXX XXXX. Although we received no follow up call, the issue was eventually resolved, and the bank account does not even reflect their initial error, which is odd. 

Finally, on XXXX/XXXX/2016, we received another notice from Bank of America. This notice says that a deposit of {$5900.00} had been missing {$1000.00}, and they deducted that amount from our account. Again, the money was counted at the XXXX XXXX XXXX, and we were given a deposit slip. Even with this evidence, they took the money from our account. After trying to call XXXX XXXX again to see where our money went this time, we were stone walled, and not given any further information and would not let us speak to XXXX XXXX about their discrepancy. At this moment, they still have the {$1000.00} they took from us, with no sign of them even investigating where our money went. 

This is the XXXX time in 30 days that this branch has lost our money. We have had to fight them to get the money back XXXX, and are now out {$1000.00}, with no reasonable reason. We have valid deposit slips, and we have the notices from company. And we are getting no response from the XXXX XXXX XXXX any longer.

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 09/27/2016 about Credit card () with SYNCHRONY FINANCIAL (NJ).
Issue: Billing disputes

Complaint: Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get 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 non-monetary relief
Consumer complaint received 01-12-2017 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I recently set up payment plans with a collection agency in XX/XX/XXXX, I set up for XXXX dollars at the end of each month to be taken out and for the first payment to be taken out XX/XX/XXXX. I paid XXXX dollars over the phone for the month of XX/XX/XXXX over the phone the same day I set up my payment plans. Well then at the end of XX/XX/XXXX someone took out XXXX dollars out of my account which I didn not give consent to. I strictly stated over the phone for the second payment to start in XX/XX/XXXX so I know it 's only XXXX Dollars but I did not consent for that money to be taken out of my account. I have been playing phone tag with the people for over XXXX weeks now and I want my money I never gave any consent for that payment to be taken out so I feel as I was robbed it is impossible to speak to anyone who speaks great XXXX so calling this company repeatedly does nothing. XXXX XXXX XXXX XXXX XXXX are scammers in my eyes!!

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 12/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (CA).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: This complaint is about a Wells Fargo credit card account. My account was just closed yesterday out of blue. When I called Wells Fargo, I was told it is due to inactivity of 6 months. Funny thing is I found out about the closure when I try to activate a new replacement card of this account that Wells Fargo sent out to me a few days ago. 

The question now is first of all, Wells Fargo has never informed us as customer that the credit card would be closed due to inactivity of 6 months. We as customer wo n't have a chance to make use of the card and keep the account open. Second of all, in fact, this account has been in inactive status for about 12 months. So if they are closing card due to 6 months of inactivity, why are they closing my account now at 12 months? And why are they even sending out the replacement card for this account? 

This closure without any notice is definitely going to hurt my credit score, as it shortens  my average credit history and my available total credit line.

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 02/29/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (SC).
Issue: Loan servicing, payments, escrow account

Complaint: Im trying to pay off my mortgage in full by means of a check issued to myself & Nationstar from my insurance company XXXX XXXX. Im having problems getting them to resolve how to get the {$25000.00} that was over the mortgage payoff ammount. First they claimed to have recieved the check but lost the notorized paperwork that was sent with the insurance check. After I faxed the paperwork they lost when I called back Customer Service said the Loss Department was the next step & transfered me to the Loss Department. The Loss department said that this had to be handled by Customer Service & transferred me back to Customer Service. When Customer Service answered again they tried to send me back to the Loss Dept. I requested to speak with a manager several times but was put on hold for up to 20 minutes & never got to speak with a manager. This has been going on for 3 days now & Nationstar will not resolve or even acknowledge this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Credit reporting () with First Data Corporation (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have submitted an identity theft report IE police report and I have given them an affidavit and I have identified the fraudulent items and I have provided appropriate proof of my identity which meets all the sections of 605b of the Fair Credit Reporting Act to have TeleCheck remove the items within 4 business days of my reporting this. I 'm going to include these items to Telecheck once again in this complaint and they will see that regardless of the time frame the law does not allow them to not block the items if I meet those XXXX sections. They are not blocking others because they claim the company has verified it and all they 're doing is saying it was me when I 've already proven in court that it was not me. XXXX is not reporting this information anymore and neither is XXXX they need to remove these items from their records permanently because they are fraudulent. When they respond they do not answer my claims they give a garbage explanation of how they break the law and I 'm saying they need to stop breaking the law and they need to comply with the law and I 'm going to include a copy of that in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Credit reporting () with SOUTHERN MANAGEMENT CORP. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: After a Discharged Chapter XXXX Bankruptcy I sent a certified letter to Covington Credit, XXXX XXXX and received a call from XXXX XXXX XXXX with Southern Management Corp, XXXX XXXX a parent company of them. My letter was about fixing my XXXX credit line from Covington Credit after I discharged a Chapter XXXX Bankruptcy with that account. He informed me in XXXX 2014 it would be fixed. After XXXX XXXX credit disputes over 12 months the information was changed to a Charge Off, with month to month reporting, and Major Dispute entry after bankruptcy protection was established. This information is all incorrect or should not be reporting. I have dispute answers from them through XXXX, I recorded my conversation with XXXX XXXX in XXXX 2014, and have copies of letter sent with return signature receipt.

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 09/22/2017 about Payday loan, title loan, or personal loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (IL).
Issue: Charged fees or interest you didn't expect

Complaint: in XXXX of XXXX I came into One Main financial to get a loan and was approved. The loan officers name was XXXX XXXX. I filed the appropriate paperwork and the loan XXXX asked me if I wanted the insurance that came with the loan and I told them NO. I did not need the insurance which included life insurance and medical insurance because I already had my own personal policies. The loan XXXX then showed me a different price that was lower than the initial monthly payments and told me that that was the pricing WITHOUT insurance. I said ok. Later down on the line I end up checking my account and see that the Loan XXXX still included insurance in my loan when I clearly asked her not to! And the company told me I had to come in person to take the insurance off and that the would not reimburse me for the months Ive been paying extra for insurance. Total ripoff. I do n't care how small the amount is, its the principle that matters.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Payday loan, title loan, or personal loan (Payday loan) with Cottonwood Financial Ltd. (TX).
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint: XX/XX/XXXX, 2017. I had received several phone calls from the CashStore in XXXX XXXX, Texas. I 've been dealing with the company for several months. I informed the company that I am on XXXX, and I receive my check on the 3rd of every month. My bank account has constantly been overdrawn. As a result, I gave up my car in repossession. I 'm under doctors care! Only now did I notice that the first 2 payments were scheduled on the 3rd, as per our agreement. The next 2 were scheduled on the 2nd and the final payment is set for the 1st and 31st ( This means not only will I be overdrawn, but I 'll have 2 payments in 1  month. ) Overdraft fees are {$35.00}. This takes away money for food and my co-payment for my medication. The VA does not accept XXXX or XXXX or XXXX XXXX XXXX insurance. My only sister is in XXXX XXXX XXXX and just recently admitted to the hospital due to her XXXX XXXX XXXX. I have no way to go see her. At this time, the VA van will only carry the XXXX XXXX, this is the reason I got the car. Being is financial trouble, I went to the cash store. Once she allowed me to make a minimal payment. The president has vowed to cut social security XXXX payments. I only receive {$15.00} a month. {$35.00} overdraft fees hurt tremendously. Most of the repayment is interest, over {$400.00} for {$350.00} loan. I simply ca n't afford it.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Debt collection (Medical) with Debt Recovery Solutions, LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Dear sir/madam today XX/XX/2017 as I checked my credit file on XXXX, I noticed that a fraudulent collection was noted on my credit report. 

I do n't know this company or any of it affiliates.

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 06/17/2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (NJ).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I am debating account number  XXXX  withCommonwealth Financial Systems by reason of I have sent many dispute letters to the credit bureaus and it comes back verified every single time. They are declaring that I owe {$59.00} to  XXXX   XXXX   XXXX   XXXX  on my credit report.   XXXX  I have contacte d Commonwealth Financial System s to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: this account was paid in full

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I called Transunion and told them that I was apart of their inquiry error that occurred in their system where they removed my inquires and then reposed them without notifying me and the Customer Service department did n't want to help me get the issue fixed. I want the following inquires removed off my credit report. Thanks for your attention to this issue!! 
1.XXXX 2.XXXX 3.XXXX 4.XXXX 5.XXXX 6.XXXX 7.XXXX 8.XXXX 9.XXXX 10.XXXX 11.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 01-09-2017 about Credit card () with JPMORGAN CHASE & CO. (CO).
Issue: Bankruptcy

Complaint: I had a ChaseXXXX Credit card ending in XXXX, that was opened in XXXX of XXXX. I filed for Chapter XXXX Bankruptcy and it was dissolved on XXXX XXXX, XXXX. Chase sent me a letter in XXXX, that this account was going to be charged off. I replied on XXXX XXXX, XXXX, with a copy of my Bankruptcy decree. I then received a charge off XXXX in XXXX. Randomly in XXXX of XXXX, Chase reported to XXXX and XXXX a past due balance of {$1200.00}. I disputed with XXXX credit bureaus, XXXX removed the information from my credit card promptly and XXXX told me to contact Chase. I have contacted Chase multiple times to no avail. The last communication was a phone call about a month ago and Chase was suppose to contact my Bankruptcy Attorney. When I pulled my credit today, XXXX XXXX, XXXX, the past due balance is still being reported by Chase to XXXX XXXX XXXX XXXX ). This is affecting my XXXX score substantially. Card opened in XXXX, Bankruptcy in XXXX, Charge off in XXXX, and then randomly appearing on credit XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (IN).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I am on total  XXXX  I have tried to get this loan discharged for at least 5 to 8 years. They send paper work. I fill it out at least five times. Nothing! Navient is the provider my credit is  XXXX  it 's killing me. Do not know what to do or how to fix it. I get ssdi and ssi and food stamps I qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Credit reporting () with Experian Information Solutions Inc. (WI).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: On XXXX XXXX, I received an email from Experian. 
Subject : Notification : Your XXXX Score has changed! 
I clicked the button that read : " Check your XXXX Score Now '' I landed on a webpage with XXXX buttons. " See all XXXX scores '' or " See XXXX score '' There was absolutely no indication I was placing an order. 
No information that my credit card would be charged. 
No visible dollar amounts. 
No please review and confirm your order page. 
No email confirmation that I had placed an order. 
I have been scammed by Experian as they charged my credit card {$39.00} without my authorization. I have sent Experian an email requesting a refund just prior to filling out this form. CFPB, Please see what you can do to facilitate a prompt refund of {$39.00}.

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 11/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: CRA VIOLATION ID THEFT INACCURATE INFORMATION NOT MINE EQUIFAX SECURITY BREACH

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2015 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: APR or interest rate

Complaint: American Express informed me that they 're raising my APR for new purchases. They informed me that they 're raising my APR because it is lower than the average rate for new applications for similar cards.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Credit card () with U.S. BANCORP (CA).
Issue: Closing/Cancelling account

Complaint: Us Bank has charged off an account and continues to report and inaccurate balance to the credit bureaus which has hurt my ability to obtain credit. Us Bank continues to verify the account with the burueus but has failed to validated and verify the account with me and the FCRA clearly states any account that cant be verified with original documentation and signatures must be deleted from the consumers credit file Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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