milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/27/2015 about Consumer Loan (Vehicle loan) with TD BANK US HOLDING COMPANY (DE).
Issue: Managing the loan or lease

Complaint: TD Bank consistently applies my payment significantly after they receive it. This is resulting in higher than disclosed interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Trouble during payment process

Complaint: My wife has our home currently financed thru Ocwen Loan Servicing, LLC. Since her mortgage loan was sold to them, they originally kept mis-crediting her payments, eventually causing her to redo her loan several times increasing her mortgage amount because of excessive fees they kept adding. Most recently, after almost losing our home, she refinanced again and began to pay the mortgage by having to pay her bank XXXX XXXX send payment by wire transfer so they could n't make excuses of not receiving payment. She gets paid twice a month and wanted Ocwen to change date due to XXXX of month. they refused, forcing her to pay on XXXX. after making her payment on or about XXXX of month, they report her to credit bureaus as paying late. She tried making an extra payment to have mortgage in advance. They kept sending extra payment to principal and not allow her to have her account in advance. She has tried to get other institutions to carry her loan, but ca n't because Ocwen keeps showing her late! She has made her monthly payments within the month for more than 24mo straight and still cant get anyone to help her! What Ocwen is doing has to be illegal. We have tried going to lawyers but all they do is take our money and nothing happens! please help! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX or XXXX XXXXXXXXXXXX or XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Credit card () with JPMORGAN CHASE & CO. (NJ).
Issue: Other fee

Complaint: illogical finance charge : On My Chase Freedom Credit card i have gotten 0 % APR offer and i have used that offer ( XX/XX/XXXX BALANCE TRANSFER TO XXXX XXXX ). Later in the year XX/XX/XXXX i have used this card for other purchases also. So now i have XXXX type of balances a ). 0 % ARP ( balance transfer ) and b. ) Regular purchases 19.49 %. So i decided to payoff my balance of type ( b ) .My statement date is XXXX of every month. 
I paid my type ( b ) balance on XX/XX/XXXX which is two day before the statement date. So this payment did not clear any of my type ( b ) balance whereas it reduce my type ( a ) balance. 
I called Chase customer representative about this ( on XX/XX/XXXX ), i said that i was unclear about this logic how the payment applies if you pay before statement date and told them my intention was to clear the purchase balance ( type b ) .. and i have asked them if they can change the payment date to any date after statement data and provide the waiver for all the interest charges till date.and we decided chase will returne my payment and i will make the payment againt with new data. 
They refund my payment ( XX/XX/XXXX ) and i receive that payment on XX/XX/XXXX. and now i have made the payment again. 
Now Chase has charge me extra XXXX dollars as a interest because they have refund me my old payment that i made XX/XX/XXXX. 
But i dont agree with this XXXX dollars interest charge. Bank is saying this charge is for those XXXX payment that they have put back in my checking account. 
My point here is that : this payment of XXXX was sitting with chase bank from XX/XX/XXXX till XX/XX/XXXX. Why i should pay the interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/28/2016 about Debt collection (Medical) with STONELEIGH RECOVERY ASSOCIATES, LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have paid this debt over and over again for the past XXXX years because the credit agency ruins my credit when I do n't. This is criminal! I have ALREADY PAID THIS DEBT XXXX times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/22/2017 about Debt collection (Federal student loan debt) with ConServe (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I received a credit report notification that a new collection account was added in the amount of {$4000.00} from a company by the name of ConServe. By my own research ConServe collects debts on student loans or past due/default accounts. I am very confused because ALL of my student loans are consolidated with the Department of Education and I am currently paying through XXXX XXXX which is a company affiliated with the Department of Education. I have placed a call to XXXX XXXX and they have not received ANY information about ANY additional loans being added to my account, ANY outdated payments due to ANY Universities or Colleges or me not paying on any other loans nor owing any other university. Second, I am and will dispute this collection to my credit report because I was NEVER notified by this company by regular mail, certified mail or telephone also per XXXX XXXX I am NOT in default on my student loans. This company did NOT give me an opportunity to accurately investigate or dispute any alleged debt prior to placing it on my credit report. I was unaware of the debt so I have not directly contacted the company but I am sending a letter TODAY ( copy of letter attached ) by certified mail disputing and requesting ConServe to validate ANY alleged debt that was placed on my credit report. Lastly, if or when the validation is received I will have the Department of Education ( XXXX XXXX ) look into it along with contacting the actual original creditor and have the them handle the alleged debt. I DO NOT wish to do business with ConServe under any circumstances which is my right and the negative information needs to be removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hi, This is in regards to inquiries made on my account. I recently accessed my credit report and found inquiries on there that I did not request or authorize, These inquiries are hurting my credit score and I would like to have them removed from my account. I contacted Transunion and XXXX, however, they said they are unable to help me in this regards. I tried getting in touch with the vendors who did the inquiry on my account and they were unable to assist me or provide proof of me requesting credit and they were unable to provide any details. 

Here are the inquiries made to my account that I wish to have removed : 1 ) XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX 2 ) XXXX Inquiry from XX/XX/XXXX 3 ) XXXX/XXXX Inquiry from XX/XX/XXXX 4 ) XXXX XXXX XXXX Inquiry from XX/XX/XXXX 5 ) XXXX/XXXX Inquiry from XX/XX/XXXX Please remove these unauthorized inquiries from my report. 

Best Regards

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 08-06-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Several disputes have been sent in regarding my current mortgage history with none of them resolving the issue. There were no late payments XX/XX/XXXX or XX/XX/XXXX and the agencies still continue to list inaccurate information. I need some assistance I have attached the page of my report reflecting such inaccurate data. After the loan re modification never was a late payment made

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Student loan (Non-federal student loan) with AES/PHEAA (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Recently, I received some phone calls from my family members stating that they were being contacted by American Education Services regarding my student loans. I informed my family members that I was up to date on my monthly payments and I had no idea why they were calling you. I have no idea how they got my parent 's and brother 's phone number due to the fact the their were no cosigners and their numbers are not listed on my contact sheet. When my mother spoke with the representative from AES, the representative immediately asked for my SS # and also my mother 's SS #. My mother immediately thought this was a scam and stated that she would not give out that information over the phone. My mother also stated that she should not be contacted since she never cosigned on the loan. The representative stated that my parents did cosign on the loans. That is not a true fact. My parents refused to cosign on these loans. I remember the discussion we had over 10 years ago. After that phone call, my mother decided to research the AES loans I had taken out from XXXX XXXX while in college. During her research, she read quite a few complaints regarding this company and how the loan balances never seem to change. I then realized that I have been paying about {$200.00} every month on these loans since I graduated college on XXXX XXXX, XXXX, over 8 years ago. I looked into my original balance and current balance. I took out XXXX loans from this company during college. The first loan was taken out on XXXX/XXXX/XXXX. The original balance was {$8500.00}, my current balance as of XXXX/XXXX/XXXX has gone up to {$8800.00}. An increase of {$250.00}. I have paid on this every month for 8 years and my balance has gone up. My second loan was given on XXXX/XXXX/XXXX. The original balance was {$2700.00} and my current balance as of XXXX/XXXX/XXXX is {$2600.00}. In 8 years my balance has gone down {$150.00}. The third and final loan was given on XXXX/XXXX/XXXX. The original balance was {$11000.00}. As of XXXX/XXXX/XXXX, my current balance is {$9200.00}. It has decreased {$1900.00} during my 8 years of payments. The fact that I have consistently paid on these student loans for 8 years, only to see that the interest rates have been raised so frequently that one loan has actually increased in balance is very discouraging. Personally, AES is only one of my student loan payments. I currently pay {$920.00} per on student loans, both federal and private loans. I graduated 8 years ago and I am trying to be a responsible citizen by paying my loans every month. At times, I have worked XXXX jobs to make sure all my bills were paid. Personally, I think it is an injustice the way that AES is constantly increasing the interest rates and also harassing my family members that have nothing to do with these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with GreenSky Trade Credit, LLC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: My house sold on XX/XX/XXXX and XXXX was paid in full for the solar panels I purchased from them. I had XXXX accounts with them and they automatically shut down XXXX of the XXXX accounts but the left XXXX open. They have continued to withdraw {$500.00} from my checking account each month and when it was brought to their attention they told me that it was my fault for not stopping autopay ; however, they did close XXXX of the XXXX accounts. When I called to ask when why my account continues to be debited I could not get a straight answer from anyone. They continued to withdraw {$500.00} from my account and they have no accountability whatsoever. I even asked to speak to a supervisor and I was told there was nothing that they could do and that I had to wait XXXX business days to get my money back. When someone writes a bad check that person is held accountable but it appears that credit companies are not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Debt collection (Other debt) with Ray Klein, Inc. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: This old account is my ex husband 's account, not mine. AND it has been paid. The person who took the payment from him said they would remove from all reports. Neve happened. No matter, not my account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX XXXX XXXX has erroneously reported my account as 30 days late in XXXX XXXX when, during the official dispute process, I included a PDF copy of my transaction record showing the payment made on-time.I disputed a XXXX XXXX 30 day late via Equifax 's dispute process and submitted a transaction statement ( directly from the website ) that shows 2 months of debit payments from my savings account to my Visa " loan '' account ( XXXX XXXX and XXXX XXXX ). Equifax, nor XXXX considered this, or other submitted documents, that prove timely payments and suggest an error on the creditors part. I was a member of XXXX XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) since XXXX ; I had XXXX credit product, a Visa card ( " loan '' ) displayed on my Equifax credit report as " account # XXXX. '' XXXX XXXX XXXX bought XXXX around XXXX, and just recently ( XXXX ), XXXX XXXX XXXX XXXX ( " XXXX '' ) bought XXXX XXXX XXXX ; However, Equifax STILL shows the Visa account as XXXX XXXX ( EQ never updated the name changes ). The process of merging, transferring, and issuing new account numbers were phased-in by XXXX over three months : XXXX, XXXX and XXXX XXXX. 'My accounts ' page included my savings account and I would pay my Visa by simply transferring money from the savings account to the Visa account ( " loan '' ) : I provided that documentation ( "  transaction record '' ) to Equifax showing this activity for XXXX XXXX AND XXXX XXXX, through XXXX XXXX ; this PROVES that my payment was made and was not 30 days late. Furthermore, when I click on the " Historical Account Information '' link I see that XXXX XXXX has supplied Equifax with incomplete, erroneous, and contradictory information, yet Equifax continues to report it in violation of the Fair Credit Reporting Act. For instance : the " Date of Last Payment '' row says " XXXX, '' and the " Amount Past Due '' row says " XXXX '' for the months XXXX XXXX XXXX XXXX XXXX. The account was closed XXXX of XXXX, yet Equifax is reporting that it was closed in XXXX XXXX. The numerous errors on the reporting of this account is causing me a financial hardship and interfering with my ability to obtain other credit products.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2017 about Debt collection (Medical) with Advantage Financial Service LLC (Idaho) (ID).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: In XX/XX/2016 my husband and I were closing on a home equity line of credit with our credit union. They mentioned that there was a negative item on our credit report and that it appeared to be a medical billing. I asked for a copy of the credit report ( s ), they were unwilling to provide a copy but did say that the collection agency was Advantage Financial. 

During the closing, the credit union loan officer said she might try to contact the collection people to see what she could find out. I told her that I would get in touch with the collection agency myself. 

I was quite surprised when the credit union later advised that they had contacted the collection agency and had forwarded money out of my Heloc account to pay off XXXX items in collections -- XXXX for my husband and XXXX for me. I immediately contacted the credit union and told them they had no verbal or written authorization from me to make that payment and to reverse it, which they did. 

I would like an explanation from Advantage Financial as to : All information disclosed to the loan officer at my credit union ( for example, were the names of the creditors released? ). 
How did the loan officer find out about a collection item for me that does not appear on mine or my husband 's credit report? 
How did the credit union find out the exact amounts due including current interest amounts? 
What authorization did the credit union provided to Advantage Financial for them to disclose my personal information?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Equifax would not let me get past the security questions, which were all questions related to a Home Mortgage loan than I never took out, which makes me suspect that fraud may be involved and I need to know what the proper route to take is to identify if any fraud has been made. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Mortgage (VA mortgage) with LoanCare, LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: XX/XX/XXXX, I scheduled my mortgage payment thru the biller 's website. Not sure if there was an issue with the site, or the submission just did n't go thru, but my payment never made it to Loancare for XX/XX/XXXX payment. I looked on my browser history and could n't find any information due to my history would only go back 2 weeks. I contacted Loancare and explained that I scheduled my payment, but do not know why it did n't show up. I explained that I was currently in the process of purchasing my new home, so there was no way I would have jeopardized missing a payment and causing issues with my credit. Unfortunately, they did n't want to hear it and told me they could n't do anything and that the 30 day late notice would remain on my credit report. I just retired from the military after serving for 20 years, in the process of getting married and this was going to be our first home together. Because of the 30 day late on my credit report, it dropped my credit score by over XXXX points which has caused me not be able to close on our new home and because I just sold my previous home, I am essentially homeless and can not get approved to purchase or rent another home. The loan payment that was scheduled for XX/XX/XXXX was actually credited to the account on XXXX XXXX, but they would not post it to my principle and interest balance since I was in the process of selling my home. I paid off the entire loan balance as of XXXX XXXX, 2016, but the damage has been done and Loancare would not consider removing the 30 day late even though I know I scheduled the payment. I served 20 years in the military and could n't believe that this company would be so unaccepting of my integrity. I had no reason to miss the payment and my weekly income is sufficient enough to ensure my payments can always be made. Plus the fact that I was in the process of closing on my new home, there too was another reason as to why I would n't miss a payment.

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 05-07-2015 about Credit card () with WELLS FARGO & COMPANY (IN).
Issue: Late fee

Complaint: Since I opened this account for my fiancee 's engagement ring with wells fargo I have made payments exceeding the minimum and if I worked overtime several payments a month. then in XXXX and XXXX this year I made XXXX payments in early XXXX and Early XXXX, but for some reason they refused to recognize the XXXX payments and charged me a late fee and did not credit me with any payments in XXXX stating I owed XXXX dollars with a 25 dollar late fee. They have been unwilling to recognize the payments or waive the late fee at this time. I make payments the day my pay checks come in every other week and hope to get the billing cycles moved to recognize the paycheck that arrives during the first 10 days of any given month will be gauranteed to be recognized on the billing statements since they seem to shift when the cut off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/14/2017 about Debt collection (Medical debt) with Pendrick Capital Partners Holding, LLC (MA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I went to an ER (  XXXX   XXXX   XXXX   XXXX   )  while traveling in Florida on  XXXX / XXXX /  XXXX  . I provided my health insurance information during this ER visit.  Two  years later after never receiving any letter of any debt I see a delinquency noted on my credit. When I called the number via the credit bureau I found that the  XXXX   XXXX   XXXX  had a contract with the doctor that actually saw me and that the doctor was affiliated with a company named  XXXX   XXXX   XXXX  of  XXXX . The medical center took my insurance information, sent a bill and got paid in full. The  XXXX   XXXX   XXXX  of  XXXX  doctor said that they did not get from  XXXX  the insurance information so they never sent their bill to the insurance. They also never sent any bills to me. Instead they sold the bill as bad debt to a  Company named Pendrick Capital Partners II, LLC. I called them and th ey were extremely rude. They said I had to pay and that many people were in my situation and that there was nothing I could do and I had to pay. They had already without billing me ever made a derogatory mark on my credit.

Company response to consumer: Closed with explanation