milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-05-2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CT).
Issue: Loan servicing, payments, escrow account

Complaint: I have a 15 year mortgage that 's paid by weekly. The problem I see is Wells Fargo takes the money out of my bank, and does n't apply it right away. they wait untill the end of the month then apply both payments. So I 'm missing out on the extra interest that I should have paid but is n't. I 'm not even getting interest on the money they take out for two weeks, and they get to use it anyway they want for two weeks interest free. 
The first payment gets taking out on the XXXX of the month it is put into my mortgage but not applied as credit untill the end of the month when the next payment is due then they combine them and then credit my account. 
that does n't seem fair. Why am i not getting the benefit of appling the payment right away Thank you XXXX XXXX CT XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2016 about Consumer Loan (Vehicle loan) with Mid-Atlantic Finance Co., Inc. (TX).
Issue: Taking out the loan or lease

Complaint: I am a victim of What I now know as a " BUY HERE PAY HERE '' scam. In XXXX, I paid a {$2500.00} down payment in purchase of a XXXX XXXX XXXX car from XXXX. Signed all the documents with the agreement that I 've been financed in house ( Meaning there is no third party financing involved ). I made on time payments of $ XXXX monthly to XXXX as stated in the attached agreement. 
To my surprise MID ATLANTIC FINANCE bought the loan from XXXX without my consent or knowledge. ( This is common practice with MID ATLANTIC FINANCE as I found out in several online complaints ). 
I contacted XXXX and the owner stated " they will receive payments from you for now ''. 
I made payments to Mid Atlantic finance monthly, and still got payment reminders to be sent to XXXX. Very confusing. A couple of late payments were as a result of this inconsistencies. 
However, on XXXX XXXX XXXX, I was in a car wreck and the automobile was no longer drivable. I contacted XXXX and notified the owner of the accident. 
The balance of {$2500.00} cash was paid to an employee of XXXX who usually receives payments. 
I got a call from Mid Atlantic finance about an outstanding pay off amount. I explained to the representative that it was paid to XXXX to which she said it was okay. 
To my surprise, this negative item remains on my credit report as an unpaid balance. 
This is not accurate and is damaging my credit file. I THEREFORE DEMAND THAT THIS ACCOUNT BE DELETED FROM MY CREDIT FILE More importantly, the transference of my account to a third party for profit without my consent is a breach of my initial agreement with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I provided information to Experian and the creditor XXXX XXXX in XXXX and XXXX of XXXX which proved that the XXXX XXXX ( {$3400.00} ) account was being reported incorrectly and was too old to be on my file. The date reported is incorrect and this creditor has already been deleted from XXXX and XXXX because of this reason. Experian indicates in the status field of my report that " This account is scheduled to continue on record until XXXX XXXX '', however it remains on my credit report. I am unable to speak with anyone on the phone about this matter and because this item has been disputed on several occasions, I am not permitted to contact Experian online about this matter.

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: According to Equifax, my personal information was accessed by an unknown third party in the security breach that occurred on XXXX XXXX, 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Debt collection (Medical) with GLA Collection Company, Inc. (KY).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I presented myself to have a medical procedure performed. The doctor was not able to perform the procedure, inflicted physical pain upon me, continued with attempts despite my hysterics. While physically violating me, the doctor pretended to take radiographs knowing he could n't perform the procedure and consquently that there would be no results from the radiographs. My medical records reflect that the procedure could not be performed. Despite this, the office charged for the procedure. My insurance paid. Subsequently, this was disputed / investigated. Multiple attempts were made to contact the doctors office. Attorney representation was obtained. 

Skipping ahead, after having no contact from the doctor 's office, a collection agency repeatedly began contacting me. They were told via telephone the matter was in dispute and that I had representation. They were sent a letter XXXX XXXX, XXXX notifying them in writing of the dispute and that I was represented by counsel. I had to send XXXX letters, in addition to the verbal notices, before they stopped contacting me. And, in a phone conversation with their representative, XXXX on XXXX XXXX, XXXX after both verbal and written notice of dispute and representation had been made and verbal notification made to him yet again, he indicated that they would continue to contact me anyway. 

Ultimately, they made no attempt to contact my attorney. They are currently reporting a collection on my collection report that is simply not true. It appears to be simply made up as it does not correspond to anything related to the original matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Consumer Loan (Installment loan) with TOWER LOAN OF MISSISSIPPI, INC. (LA).
Issue: Managing the loan or lease

Complaint: I have a loan with this company for years. Always pay early and more than is due. They called about 4 weeks ago offering me to renew and get over {$1000.00}. I didnt do it at that time. I called a couple of days ago to see about getting money, the next day they said they can only get me {$500.00}. No reason why. The manager XXXX wont get on the phone. They pulled my credit and will not give me an answer as to why they dont want to give me the money they originally promised. That goes against the FCRA. I deserve an explanation!

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Debt collection (Payday loan) with SCV Inc. (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Back in XXXX of 2014 I started to receive threatening phone calls demanding payment of this debt or that legal action would be taken against me. There were XXXX companies representing XXXX separate payday loan groups. The first was XXXX XXXX XXXX who was collecting on behalf of XXXX XXXX XXXX. On XXXX XXXX 2014 I paid a total amount XXXX from my XXXX XXXX XXXX account. I have an email with an attached document stating that the debt has been settled/paid in full. The XXXX group was XXXX XXXX XXXX XXXX who claimed to be representing XXXX XXXX XXXX which I paid XXXX on XXXX XXXX 2014. I have also received a paid in full document from this company as well stating that the debt has been resolved. This may I received a call from Tier1 Asset Management Group LLC who miss represented who and what the were collecting. At first I was told that they were collecting a debt for XXXX in the amount of XXXX. When I called and spoke to a supervisor by the name of XXXX XXXX who admitted that they had made some mistakes on their end and disclosed that what they were collecting was for XXXX payday loans in the amount of XXXX each. XXXX loan was for the XXXX group and the other loan is for the XXXX XXXX. Which have both been previously paid. I had previously set up payment arrangements with Tier1 under the understanding I was paying off my debt with XXXX in the amount of XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2015 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I have a Home Equity Line of Credit ( HELOC ) with Chase Home Finance ( Chase ). The line of credit was frozen shortly after it was opened. According to Chase, the reason the HELOC was frozen was due to a diminution in value of the home securing the HELOC. 

In or about XXXX, 2014, I received a check in the mail for {$65.00} from Chase. I was instantly suspicions as Banks do not generally send unsolicited check to consumers. The Cover letter accompanying the check explained that " During a recent review, we found that you are due compensation for valuation fees on your home equity account. We apologize and have enclosed a check for {$65.00} as compensation. " As I was suspicious, I called Chase to confirm the legitimacy of the check and to find out what it was for. I was XXXX told to write to chase with my request, which I did. I have spoken with Chase numerous times since then and still no one has explained to me what that compensation is for except to say that I was charged a fee that I should not have been charges and this was a refund. 
The problem with this explanation is that it does not fully compensate me. This account accrues interest, if I was overcharged for a fee ( an unexplained fee ), my regular monthly payments were not paying off principal and this reducing interest at the rate had the error not have happened. So, {$65.00} is insufficient compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (CT).
Issue: Problems when you are unable to pay

Complaint: I received a call from XXXX from capital one. I returned the call and he explained to me that there might be options available for my account I explained to him I was already told that there was n't and he insisted that I be transferred over because there was options available he also left that message on my voicemail. He was not polite when I asked him about the issue and refused to give me the address to the legal department so I could send in a writ and summons from XXXX court. The court requires that the address is verified by the defendant. Also I asked him if the supervisor could give it to me and he replied there is n't any supervisor. He accused me of not cooperating with the representative XXXX after she asked me XXXX question and I answered it and she asked me the questions again which was what caused you to fall behind and I told her I was sick he accused me of not answering financial questions when she never asked. I told him if I was n't given a legal correspondence address I would file a complaint with the CFPB XXXX XXXX encouraged it and said he 'll address it when he receives it. XXXX is not trying to resolve issues with customers. If this matter is n't settled capital one will be sued for each and every call of harassment from the company. XXXX said that capital one calls when you fall behind and sends text messages. The was n't any prior authorization to text and also they called repeatedly several times a day back to back.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Experian is suddenly reporting that I am a minor and they make it impossible to correct this. They have no option to contact them by phone and since " I 'm now a minor '' the online dispute feature is not allowed. The only way to dispute this is by mail which will take 10 days. I am in the process of a real estate transaction and this is delaying everything. My banker is running my credit and my SS # is coming up " Not Reported '' where social security number is, then " No hit/no record found, '' and finally, Experian Error XXXX - Consumer is a Minor. '' I 'm XXXX years old and all the other agencies are reporting the correct info. Where they got this info is a mystery.

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 03/20/2015 about Credit card () with WELLS FARGO & COMPANY (TX).
Issue: Other

Complaint: This debt has been on my report for over 10 years, please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Debt collection (Medical debt) with Avadyne Health Holdings, Inc (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: A statement is not a validation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE (MI).
Issue: Problems caused by my funds being low

Complaint: Deceptive advertising by Huntington Bank regarding 24 hour grace for overdrawn accounts. I write very few checks on my Huntington Bank Account. Most of my transactions are EFT set-up for automatic payments. EFT for automatic transactions are allowed 24 hour grace for unlimited number of times. 24 hour grace for a check is allowed only once in a 12 month cycle, according to the local branch and the online agents. In addition, a check written does not show up until after the close of processing for a given day. When a forgotten check for {$75.00} showed up recently, creating a shortage of {$48.00}, I was charge {$37.00}, even though I immediately transferred over {$1000.00} from my savings to cover the shortage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with PORTFOLIO RECOVERY ASSOCIATES INC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a few past debts. I paid them with the settlement agreement. It was wired from my bank to theirs. They are refusing to give me a paid in full receipt. Stating they have to put a hold on it for up to ten days. I have a family of XXXX. I just gave them almost {$1700.00} to pay them in full. I need this receipt because we 're poor that exhausted most of our funds. We 're trying to get a house loan, they need the paid in full receipt to add to our case, the debt collector is refusing to send me anything. I 've called a few different times requesting this since Wednesday XX/XX/2016, when the funds came out of my account. They 've been rude, said they 'd send me a letter to respond to so they could send me a transaction notice, but I have n't received that either. I need this receipt now. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CO).
Issue: Other fee

Complaint: When I opened a CapitalOne credit card by phone, the sales person committed fraud by not disclosing that the card had a $ XXXX/mo annual " membership '' fee Until now, CapitalOne had been waiving this to make up for that, but now I 'm being treated rudely and I 'll need to close the account because they will no longer waive the fee they never freaking disclosed. 

It will hurt my credit score to close the account and I can not afford to, but I 'm not going to be hustled for $ XXXX/year either.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/23/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have never lived at XXXX, TX 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 non-monetary relief
Consumer complaint received 09/16/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with JPMORGAN CHASE & CO. (WA).
Issue: Fraud or scam

Complaint: I used XXXX XXXX to purchase baseball tickets for {$150.00} from an individual on X/XX/17 and did not receive the tickets. I used a Chase debit card. I reported the fraud/scam immediately to  Chase and the charges were initially intercepted and dropped but reappeared a couple hours later and I filed a dispute and was given a temporary credit for {$150.00} but claims dept informed me they are reversing the credit after their investigation, stating that XXXX XXXX denies liability and provided a " service ''. Yes they took my money and gave it to someone else, but I never received the goods promised. I attempted to request a refund from the individual but they denied my requests. Chase should honor their fraud protection guarantee and provide me with the refund as I reported it immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/19/2017 about Debt collection (Other debt) with Stellar Recovery, Inc. (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I was advised by creditor XXXX to speak with collection agency XXXX XXXX via telephone transfer, and XXXX advised that XXXX provided incorrect identification on the negative credit reporting. I gave XXXX my personal identification and they could not find any record of me in their system.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I filed bankruptcy ( case XXXX ) XXXX California Courts in XXXX 2014 and it was discharged on XXXX 2014. I am currently and still receiving billing statements and letters to collect on the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Affiliated Acceptance Corporation (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: XXXX will not remove a paid collection debt that l had owe from XXXX XXXX., and affillated acceptance co.off my credit report. They told me that they would remove it. also so did so did XXXX XXXX. said they would remove it. after l pay it off.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: Hello, I 've owned a home with a friend for the past 15 years. Same lender, Wells Fargo. We went to sell the property and changed how we pay the mortgage bill. Our property manager paid the mortgage in the past. I took over payments and tried to set up auto pay on their website with my bank. The auto pay is difficult to use and did not allow me to set it up right away, it took a few days for my bank to supposedly approve the transaction. I thought it was setup but the mortgage was not paid. 
Wells Fargo called my co-owner asking for my first name. They did n't identify who they were, he said he was not XXXX and they hung up. That is the only correspondence we had from Wells Fargo. They did not send an email to either of our emails on file. They did not attempt to contact my co-owner ( they had all his information ). They reported both of us late on payment and both of our credit scores dropped XXXX points even though I paid as soon as possible. Even on their website I was unable to pay the late fee because their system wo n't allow me. I tried tonight to pay and the service is unavailable.

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 10-06-2016 about Debt collection (Medical) with Credit Associates of Maui, LTD (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The access to medical services ... and the billing of said services to me ( per this false debt reporting ie., ) was covered under XXXX XXXX XXXX / XXXX XXXX . This so - called medical debt reporting, that is ancient as well, is not valid.Period.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (UT).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My SSN, DOB, address, driver 's license number, credit card numbers, and potentially other personally identifying information was part of a cyberattack carried out against Equifax Inc. earlier this year. My information is now accessible to any would be identity thief.
Furthermore, Equifax did not disclose information to me of this attack until several days ago, months after the breach occurred. This has given identity thieves months to plan and/or carry out an attack on me. Equifax has displayed disregard for me and 143 million others in not disclosing the nature of this attack in a timely manner.
In an attempt to pacify the victims of this attack, Equifax has offered to provide 1 year of identity theft protection. I feel this is insufficient for two reasons : First, I do not trust Equifax to provide competent protection, as they have clearly proven they can not handle my private information correctly. Second, language in the Terms of Service when agreeing to their Identity Theft Protection Program explicitly bars me from any future litigation. Without knowing the actual impact of this cyberattack, these terms are not acceptable.
In short, Equifax needs to be held accountable for their negligence.

Company response to consumer: Closed with explanation