milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/20/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (TX).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  60 days past due as of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  90 days past due as of  XXXX   XXXX ,  XXXX   XXXX  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 response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CCS Financial Services, Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Credit Control Services Inc is  reporting negative information on my credit report. I have reached out to them and the people who " supposedly '' sold my account to them. I have NO CONTRACT with them nor the companies who sold them my information.The negative reporting is damaging my credit file. They are unable to provide any documentation that I have an contract with them. The address they have affiliated with this file is not mine. I offered to provide them proof of my address where I have been living for almost two years.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with National Credit Systems,Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: National Credit systems sent me my first proof of debt on XX/XX/XXXX, I made payment on XX/XX/XXXX and sent proof of payment, they added it to my credit report on XX/XX/XXXX. The representatives name was XXXX XXXX. XXXX wanted me to submit my payment directly through her so she could receive the credit but her hours did not align with my work hours so I made payment online. After I completed my payment online XXXX XXXX was upset and as a form of retaliation she began harassing my family and myself and ultimately falsely reported this debt on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I am currently attempting to purchase a home. Upon review of my credit report my loan officer contacted me informing me of a charge from XXXX that had been sent to a collection agency ( enhanced recovery ). To the best of my knowledge I have never had a contract with XXXX. I stopped by a local XXXX store to see if i could get more information on the account. The manager of the store assisted me by entering my social and drivers license numbers. He informed me that there was an account that had been sent to collections with my social but the names did not match up, the name that he was showing was XXXX XXXX. Afterwards I contacted the collection agency ( enhanced recovery ). I told the representative the situation and he was asking was there anyone with the information needed to take out an account in my name. I responded yes and he said that he would start a fraud investigation. My loan officer contacted me on XXXX/XXXX/2015 and informed me that enhanced recovery had determined the account listed under my name was mine because the name and social on the account matched mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/17/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Seterus, Inc. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I pay my mortgage to bank Seterus every however they failed to make a payment in XXXX 2013 city hall called me threatening to take me to court. I tried to call Seterus to resolve the issue and I encounter one incompetent representative after another and many of them hang up the phone. I tried for a week now and have n't made any progress to resolve this very urgent issue it seems like no one know there job.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: The information submitted by XXXX XXXX and XXXX Bank as shown from captures of my credit report are incorrect. They incorrectly reported a delinquencies on my XXXX credit bureau reports. I have submitted my dispute with XXXX and TansUnion and am looking for an urgent timely response. The payment for the credit card was made on time, any delay and lack of accurate report is caused by XXXX XXXX. They asked that I get this resolved by contacting the credit reporting bureaus directly. XXXX Bank is unable to verify the delinquency. 

Please refer to the captures uploaded as images for information.

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 10/26/2017 about Debt collection (Other debt) with EOS Holdings, Inc. (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I contacted EOS earlier this month, around XX/XX/XXXX or XX/XX/XXXX, to discuss a settlement offer for an account they are currently attempting to collect on for XXXX XXXX XXXX. I asked what a one time settlement offer would be. The representative asked for updated contact information. I provided it as a good faith gesture that I was attempting to and had plans to settle the debt. When I provided my contact number, I told the representative not to contact me between the hours of XXXX XXXX - XXXX XXXX Monday through Friday because I was either commuting to and from work, or working during that time. I do n't talk or text while driving for safety reasons and I would get in trouble if I am on the phone during work hours. I also requested not to be contacted on Sundays. I have received 3 calls from them this week. The first two I did not answer the phone and those occurred on Tuesday, XX/XX/XXXX @ XXXX XXXX and this morning ( XX/XX/XXXX ) at XXXX XXXX. They called again at XXXX XXXX this afternoon ( XX/XX/XXXX ). I answered and the representatives phone connect was cutting in and out so bad I could barely understand the rep.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: In my annual escrow account statement, my servicer Freedom Mortgage claims that the maximum lowest balance of XXXX of annual disbursements is a required minimum. They correctly cite federal law saying the lowest balance should not exceed this amount, but then they change language and call it a required low balance. I believe they are using the imprimatur of federal law to coerce customers into paying more into escrow accounts so they may have use of this excess escrow reserve interest free. At no point in the coming year does my projected escrow balance fall below the amount needed for disbursements. I have requested to cancel my escrow account. But, I do believe the language of this statement is intentionally misleading and as such the CFPB should take action. 

Sincerely, XXXX XXXX XXXX XXXX, CA

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 03/20/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Blakely-Witt and Associates, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have called this Company Blakeley Witt & Associates to pay the {$380.00} that shows that we owe on my XXXX Credit report. When I called the company today @ XXXX they are saying that we now owe {$550.00} and that the amount goes up every year and that it will go up again in XX/XX/XXXX. This is fraudulent. This credit report was pulled today. Verified with XXXX Credit Rep. This {$380.00} has been reporting to this credit bureau since XX/XX/2012. We would like to pay {$380.00} but nothing more because we are going off what is reported. Have been declined for a place due to this ONLY thing that is stopping us. Orginal Creditor is Estates of XXXX. now called XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Application, originator, mortgage broker

Complaint: Have applied for a refinance on a mortgage. got a GFE letter, had a closing date setup bank change the date for closing, stating more paper need to be signed and they send a paper work which had a higher interest rate. I have requested for an explanation on the rate change. waiting for the response.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NY).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I was enrolled in a Rate Reduction Plan for the past 15 months. My monthly payment was {$500.00}. The time has come where my contractual monthly payment of {$700.00} would begin next month. As I called the company after receiving an email to discuss an extension, I was turned down. They did a " monthly financial statement '' where they asked me questions based on my monthly expenses. I estimated each financial question. After giving my financial statement, they denied me and told me that based on the information, I make enough money to pay the contractual monthly payment. They then looked on my credit report to determine what my monthly payments are ( credit card statements, loans, car payments, etc ) to try to show me that I have extra money left over. Just because my monthly payments are a minimum payment, does not mean that I do not pay more to avoid paying just interest. I do not think that determining by " word of mouth '' is an accurate way to decide what program I am eligible for or not. I then spoke to a supervisor who told me that there was absolutely nothing that they can do for me. If they want to see my annual federal income, I will be glad to show them my tax returns. I am a student struggling to pay my student loans and I think it is completely unprofessional that this company is turning me away for not be able to afford a high monthly payment and is not willing to work for me, or to enroll me in a different payment. I have been dealing with this company for over 7 years and they are rude and unprofessional. They are disrespectful and I do not appreciate being turned away when this company is supposed to help us struggling students pay off our debt. Employee numbers- Supervisor XXXX XXXX- XXXX, XXXX XXXX-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Mortgage (FHA mortgage) with U.S. BANCORP (OK).
Issue: Loan modification,collection,foreclosure

Complaint: In XX/XX/2016, we lost my wife 's mother. We had to utilize more of our income than normal to take care of our bills, the funeral and our businesses. We were staying above water until the end of the XXXX. My wife is also an XXXX. They do not get paid in the month of XX/XX/XXXX. We missed out on that income to help us pay for our bills and our mortgage. I was able to pay part of it, but not all of it. I called to set up a payment recovery plan with my mortgage lender and they agreed to it. But I did not realize that, in doing so, I was going to have mortgage payment ding my credit score. We are looking initiate the process of refinancing the mortgage in a few months and also further invest into our businesses. This mark against my credit score has severely impacted our ability to do so. I have consistently paid our mortgage and have not had any late payments until last month. My request is that the late mortgage payment be removed from my credit score. As of today, I have met the payment recovery schedule in completion. And we are on track to pay for our XX/XX/XXXX mortgage payment on time.

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 07/14/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (UT).
Issue: Loan modification,collection,foreclosure

Complaint: I HAVE BEEN CONTACTED BY A GENTLEMAN, XXXX, XXXX XXXX ACCENT, PHONE XXXX. CLAIMING TO BE FROM MY MORTGAE COMPANY AND OFFERING ME MODIFICATION. I CONTACTED THE MORTGAGE OFFICE AND THEY HAVE NOT OFFERED THIS TO ME NOR DO I QUALIFY. THIS GUY HAS THE LAST XXXX OF MY SS AND MY ACCT NUMBERS, HE HAS ALSO CONTACTED MY CREDIT UNION FOR THIS SAME THING. I AM HOPING HE WILL REALLY FAX ME HIS PAPERWORK SO I CAN FORWARD ON TO SOMEONE TO TRY TO STOP THIS GUY.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: When I graduated from school i could n't find a job for almost 2 years. XXXX XXXX told me to go into forbearance. Next when I did receive a job i started at XXXX a year, and again they steered me towards forbearance vs income based repayment program. This ended up affecting my credit score and credit report. They still have not deleted the reports they made on my credit. Navient will now not answer any questions regarding hidden amounts of money affecting one of my loans. Every time I call I keep getting a customer service rep who is not from the united states and does not understand my questions. I have XXXX loan for XXXX and another loan for XXXX at the same interest rate. the XXXX has interest of about XXXX $ amonth and the XXXX has XXXX $ charges a month. They will not tell me where these increases are coming from and they will not fix the bug or problem.

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. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XX/XX/XXXX I was notified that Equifax had been hacked I that my information has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Mortgage (Conventional fixed mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I am working on a short sale for clients. Carrington Mortgage is the lender we are working with. We currently have an offer and for the last 3 months Carrington is requesting documents that have been sent on numerous occasions. CMS shut file down back on XXXX/XXXX/XXXX because they claimed they did not have complete package - all documents were submitted on XXXX/XXXX/XXXX and I verified receipt of docs on XXXX/XXXX/XXXX. Since I was advised on XXXX/XXXX/XXXX that the file was shut down I resubmitted the ENTIRE package again. On XXXX/XXXX/XXXX CMS still could not seem to get it together and I had to resubmit the entire package AGAIN. The current offer we have was received and sent over on XXXX/XXXX/XXXX - I verified receipt of everything, however CMS still claimed they did n't have XXXX, expense sheet and XXXX - they were resent AGAIN on XXXX/XXXX/XXXX - on XXXX/XXXX/XXXX I was told the file was in underwriting and to call back in a week for an update. On XXXX/XXXX/XXXX I called - still under review, I was told they should have update later that week or the following week. On XXXX/XXXX/XXXX I was asked for taxes, household expenses and the XXXX - I provided dates these documents were sent and sent them AGAIN, this time they also asked for lease agreements from the borrowers. On XXXX/XXXX/XXXX I received leases from both borrowers and emailed them over to CMS. On XXXX/XXXX/XXXX, when I returned to the office I called for an update - CMS is asking for taxes, leases and expense sheets - I advised they were sent numerous times to BOTH email addresses AND faxed, provided dates and resent to email and fax AGAIN. I called in again today, XXXX/XXXX/XXXX for an update and they 're still asking me for the same docs. I do n't know how many times I have to send them the same information before they finally accept the documents but I 'm tired of the games. We may possibly lose a buyer due to their negligence. This is unacceptable and something needs to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Debt collection (Other debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Disputed these accounts with said credit bureau but response

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Credit card () with TIDEWATER FINANCE COMPANY, INC. (IL).
Issue: Customer service / Customer relations

Complaint: tidewater finance company I have statement from this company {$.00} balance to due and at XXXX/XXXX/2016 and collection call me every day and harass me about payment to do {$26.00}, they told me {$26.00} is late fee, I do not see anything on my last bill statement, please help,

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Atlanticus Services Corporation (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This is the 3rd time reporting into this really simple dispute. ACCOUNT HAS BEEN OPEN AND CLOSED 5 or MORE TIMES WITH NO LEGAL EXPLANATION BY CREDITOR OR CREDIT REPORTING AGENCIES XXXX XXXX AND XXXX ALONG WITH THE THIRD PARTY REPORTING CREDIT XXXX AND XXXX XXXX ALSO REPORTING THE OPEN AND CLOSE DATES OVER AND OVER BUT MY AVCOUNT IS IN GOOD STANDING AND NEVER CLOSED BY ME THE CONSUMER. I AM NOT A FAN OF OPENING ACCOUNT PRACTICES THAT XXXX HAS BUT ITS AN ACCOUNT I HAVE FOR NOW. THERE IS NO OTHER RECOURSE BUT TO CONTACT ATTORNEY GENERAL AND AN ATTORNEY FOR DAMAGES. FAIR PRACTICES AND RIGHTS HAVE BEEN IGNORED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I'm in URGENT need of help, I disputed two inaccurate remarks on my personal credit file and now I am unable to get a score and my good accounts are gone. This is not right and I need HELP ASAP The good positive accounts that were removed were closed history XXXX   XXXX  XXXX XXXX  XXXX   XXXX These accounts are to report, why would they remove

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 03-02-2016 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (GA).
Issue: Problems caused by my funds being low

Complaint: Since XX/XX/XXXX I have been hit very hard with multiple overdraft and nsf charges month after month from XX/XX/XXXX to XX/XX/XXXX to the sum of about XXXX. I have noticed that I get an OD then they run it through again and double the fees. I am XXXX years old and feel every month my bank Regions does this to me on purpose when I ask about whats going on Im told Were sorry Mam but there is nothing we can do. They have never givin me a dime back. I had my grandson go in and talk to them and he told them to take me off of overdraft protection and if the money is not in the account simply deny the transaction so shes not getting all of these charges. Your taking all of her money. But that hasnt helped they still run a XXXX XXXX debit through 2 or 3 times and charge me XXXX to XXXX dollars two or three times a month. They are taking my social security and my money for my medicine isnt there something that can be done. Please help me thank you for your time.

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 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX, NY XXXX ( XXXX ) XXXX. Spoke to XXXX XXXX in the Dispute Department about XXXX XXXX XXXX reporting an individual account as a " Collections '' account on my credit report after the account has been settled and paid. The account was paid off on XX/XX/XXXX with a XXXX balance owed. Yet on XX/XX/XXXX XXXX reported to the credit bureaus this account as a " Collections '' account. The account was previously a bank card with XXXX XXXX XXXX XXXX. XXXX purchased the account and I settled with XXXX on XX/XX/XXXX with a XXXX balance. I believe to report this as a collections account in XX/XX/XXXX was a violation of the Fair Credit Reporting Act ( FCRA ) and was arbitrary and capricious. THERE WAS NO BUSINESS JUSTIFICATION IN XX/XX/XXXX TO REPORT THIS AS A COLLECTIONS ACCOUNT. XXXX XXXX, on behalf of XXXX refused to consider my request to correct this account on my credit report and to remove this information as " Collections ''.

Company response to consumer: Closed with explanation