milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/25/2016 about Payday loan () with High Point Asset Inc (FL).
Issue: Charged fees or interest I didn't expect

Complaint: My husband got a call from High Point Assets inc, about some payday loans that I have n't aplly for or received any money from.When I tried to call the agency a lady with the name XXXX, talked to me with a very bad, rude attitude, and told me about those payday loans.And when I was trying to explain to her that I did n't apply for any of those loans, she was trying to interrupt me, like I was stupid and I did n't know what is going on.I also told her to send me by email those " creditors '', so I can see who are these people.They sent me XXXX pages with the pay day loans from XXXX through XXXX .First creditor is XXXX for {$510.00} dollars, second amount {$400.00}, XXXX is {$430.00} and the fourth amount is $ XXXX.They also are calling at my house phone and my husbund 's cell but not me that its my name on the papers.I did a little bit research, and it looks like they are artists scammers.I never took nor I apply for those payday loans and I despude ALL THE CHARGES

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Trouble during payment process

Complaint: XXXX XXXX XXXX as Trustee for Option One Mortgage Loan Trust XXXX claims to have a valid transfer / assignment to our mortgage loan that complies to the National Mortgage Settlement Agreement. The allonge previously provided has an incorrect property address and does not contain the legal description of the property.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Debt collection (Medical) with DRS Financial LLC (PA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I asked for a letter to be mailed to me. I do not want to keep receiving phone calls and I told them. They rudely told me they are not going to send me anything and that I should just pay the bill. Then they said they would remove my phone number from the call list. I do not believe they removed my number and I expect to hear from them again by phone.

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 04-10-2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Other fee

Complaint: I have paid all of the principal of my Home Depot Credit Card within six months, as required. However, Home Depot is trying to bill me for late fees and interest. When a clerk induced me to get the card, the clerk did n't tell me about the minimum payment per month and the late fees and interest that would be assessed. Not do these hidden fees appear in the credit card agreement. I have already sent a letter to Home depot 's Credit Card Services, which I 've attached, with supporting documentation, detailing what happened. I 'm simply requesting that Home Depot cancel my bill for hidden fees. The practice is unethical and illegal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Advanced Collection Bureau, Inc. (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: call me about twice a day and i have asked if they would take a lower payment amount and they said they will have to take the full amount and cant make payments

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Select Portfolio Servicing ( SPS ) is refusing to apply payments me and my husband made when we individually filed bankruptcy. Attached are XXXX payment abstracts from the Bankruptcy Trustee for me and my husband. Please note, not only was XXXX paid but also XXXX XXXX. I was not able to find either of these payments posted or applied to my account on the summary provided by SPS. Therefore, SPS has engaged in coercive and deceptive collection practices by falsely claiming that certain amounts are due, misapplying my mortgage payments, improper calculation of interest, and has failed to credit payments properly which are in clear violation of the Federal Real Estate Settlement Procedures Act ( RESPA ). Also, note other payments were not sent because XXXX/XXXX rejected them but kept XXXX and held it in suspense as documented on the summary provided by SPS. 

As a result of refusing to accept and accurately apply payments, they are attempting to foreclose on our property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Credit reporting () with EQUIFAX, INC. (NH).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: My Equifax Credit File is currently split into XXXX different credit files. This has caused a number of major issues for me due to one of the files having hardly any account information on it at all. Thus showing I have a score below XXXX. I have requested on a number of occasions that my files be merged and I keep getting told they ca n't help me. I have frankly become so frustrated with Equifax and their Customer Service, that I have turned here to hopefully get some assistance in clearing this matter up and making my credit file with Equifax whole again.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Consumer Loan (Vehicle loan) with CONSUMER PORTFOLIO SERVICES, INC. (CA).
Issue: Managing the loan or lease

Complaint: I have a car loan with consumer portfolioand my loan has not went no where. I have had the vehicle for almost 3 years now and they have been charging me alot of late fees. I have had different car loans in the past and they give you a 30 day grace period to pay your loan. When I got with this company I was not told about this. I really feel they are ripping me off and I do not want to be under them. I understand I have been late but its how my payday falls and they been calling my job harrasing and everything. I know they are ripping me off

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2016 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Overlimit fee

Complaint: XXXX XXXX XXXX D.O.B - XXXX/XXXX/XXXX SSN- XXXX My name is XXXX XXXX XXXX XXXX I 've had a Banana Republic credit card account for almost a year. I recently had an issue with Synchrony Bank because they refuse to help and accommodate their customers even when they are the one 's who made the mistake. I signed up for electronic alerts to stay informed about my payment due dates. They failed to notify me about a payment that was due XXXX XXXX, XXXX. Due to that mistake there was a late fee and interest applied to my account. My account shows that it went over the limit when that was not the case. Due to them applying that late fee and the interest it made my account over the limit. It actually was not over the limit because of my use of the card but because of their mistake in failing to keep me posted. I also tried to sign in online to check my account, they sent me an email notifying me that I was trying to login into my ''Banana Republic Visa Card Account ''. I do not own a Visa Card account with Banana Republic. I have a regular Banana Republic Credit Card. I contacted Synchrony Bank and I spoke to XXXX, a Supervisor in Customer Services, ID # - XXXX. Due to XXXX 's lack of knowledge she refused to comply with my request to verify the inaccurate information that they have in the automatic system. She interrupted me repeatedly and tried to speak over me refusing to listen to what I had to say. What is the point to have Paperless if they will not send the electronic notifications about their payment due dates.

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 monetary relief
Consumer complaint received 07/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: I have disputed the amounts of XXXX XXXX/ XXXX XXXX/ and XXXX from Equifax and three amounts of XXXX. I requested both agencies to Validate this debt as I have no clue what these amounts are for. I sent letters to all involved - not one response PDQ -XXXX I sent letters twice both came back undeliverable.This is how I know validation was n't done If so you would have provided proof of this debt.I am being hurt financially and mentally because of your inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Vehicle loan or lease (Lease) with NISSAN MOTOR ACCEPTANCE CORPORATION (NY).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: XXXX XXXX claims I am behind on a payment, specifically for XXXX XXXX, when clearly I sent XXXX XXXX of XXXX XXXX, images of each and every payment I have made since the inception of my lease in XXXX XXXX through and including XXXX XXXX. I have paid each month well in advance of the due date. I have also emailed XXXX XXXX images of these checks and electronic payments, all of which have cleared, yet she and XXXX are adamant that I am behind in a month 's payment, and proceeded to hit with penalty fees. I can submit this supporting documents, which my banking representative at XXXX XXXX, XXXX has provided me with. In fact, that representative at XXXX, spent well over XXXX hour on XXXX/XXXX/XXXX on the line, holding for over XXXX minutes, to be hung up by another representative, before ultimately being connected to a XXXX, XXXX XXXX XXXX, who requested the banking images and scans of e-payments. I submitted these to her on XXXX/XXXX/XXXX, yet never heard from her since.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (MA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Last XX/XX/XXXX I paid off my Citibank card for the last time. I always paid my balance in full by the due date and never carried a balance on this or any other credit card in 30 years. After I made the XX/XX/XXXX payment, for the full balance, I canceled the card and destroyed it as instructed, so I don’t currently have the card number.However, Citibank's phone workers ID numbers XXXX, XXXX, and XXXX (who gave his name as XXXX), were able to pull up my account from my name and date of birth. Citibank claimed that my payment was due on XX/XX/XXXX and was paid on XX/XX/XXXX or XX/XX/XXXX, depending which phone worker was talking to me. They also said a late fee could be waived as a courtesy, but they never offered me this courtesy when I phoned about it months ago after receiving the first statement with a late fee on it (and no purchases, because I had canceled the account). Every month they add another late fee on the late fee, and interest on the late fees, and now I’m told the balance, which I paid to XXXX in XX/XX/XXXX, is now over XXXX Two of the phone workers told me only one late fee could be waived, even though the subsequent ones are bogus, based only on the first late fee. However, they won’t waive the first one that caused all the others.XXXX told me he had a supervisor, but refused to escalate my call to that person.As I see it, this whole scheme is fraud on Citibank's part. There may also be negative consumer credit reporting related to this.

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 monetary relief
Consumer complaint received 03-05-2017 about Credit card () with CITIBANK, N.A. (FL).
Issue: Other fee

Complaint: I have a Macy 's Credit card. I purchased an item in late XX/XX/XXXX. My bill with tax was {$97.00} and change. I went online to make a payment and decided I want to pay the full amount. I called credit customer service so I could get an exact amount so I do n't get billed the following month for change. Girl in credit gives me amount I pay it immediately. XX/XX/XXXX I decided to go online to see if they added interest and they did and even {$2.00} I did not feel like making another call and wait so I opted to just pay it and be done with it. XX/XX/XXXX I check my and I am hit with ANOTHER even {$2.00} This time I decided I need to call. The credit customer service rep first tells me it is interest I explain what I have said above. The final {$2.00} ca n't be interest on {$2.00} unless your interest rate is 100 % He told me it was an error. I had the charge removed and had the account closed. I did some googling and found this is something new that Citibank is doing to account holders. It is WRONG many people have opted for paperless statements and they think they are paid and get late fees charged. Very Very unethical business practice this must be stopped.

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 12/22/2016 about Bank account or service (Checking account) with Fidelity National Information Services, Inc. (FNIS) (SC).
Issue: Making/receiving payments, sending money

Complaint: I tried to purchase my glasses at XXXX in XXXX, XXXX. It was denied on my account with XXXX Bank, by Certegy. My account was and has always been in good standing and it was embarrassing and completely unnecessary for them to deny it.

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 04-08-2018 about Debt collection (I do not know) with Firstsource Advantage, LLC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I was alerted by a credit monitoring site that a negative account was placed on my XXXX report. I never received any mail / notice from the company to let me know that I even had a debt. The report says I opened this account in XX/XX/XXXX, I was XXXX XXXX XXXX in XX/XX/XXXX I DID NOT TAKE OUT A XXXX LOAN OUT FOR SCHOOL at XXXX XXXX XXXX!!! I want this taken off my credit report immediately!! This company could have at least let me know about the debt so I could either pay it off or dispute it if its not mine! I have not been in school since XX/XX/XXXX so even if this debt is mine that means the account is over 7 years old!!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (TX).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: In XXXX, XXXX I filed a fraud claim against a company in California. The person who took my complaint XXXX, gave me Case number XXXX. She incorrectly charged the wrong company, XXXX with fraud. A few days later when I found this out about this error, I called Citibank and talked to XXXX who I reported this error to and again named the company for which the fraud complaint was intended for. XXXX assigned me case number XXXX. The case of fraud against the California company was resolved in my favor 3 months later. I received a letter from Citibank in XXXX, XXXX asking if I wanted to drop charges against XXXX. I then called and spoke to a Citibank customer service person who said I had to sign the letter that I did not want to press fraud charges even if I never charged XXXX with fraud. I asked to speak to supervisor XXXX who said to ignore the letter since he could see I had informed Citibank of the error in XXXX, XXXX. I then started having a problem with XXXX and an inability to use my debit card with them. I reported this problem to supervisor XXXX XXXX on XXXX/XXXX/XXXX. He said it should be cleared up in one week. I made contact with customer service that I was concerned that XXXX did not give me a case number and that he would not send me an email confirming what he would do. I later received an email that it might take another 3 more months to clear up, but still no case number assigned to the problem. I emailed XXXX XXXX XXXX in XXXX XXXX at the Citibank executive response unit in XXXX XXXX and she said she would investigate and then a week later stated in an email to me : " XXXX XXXX, please accept my sincere apology for the inconvenience you described surrounding the use of your debit card with XXXX. Our goal is to ensure that all of our clients are provided with the highest level of service and we regret that you found cause for dissatisfaction under any circumstance. '' She then stated the " case was closed. '' I still can not use XXXX to purchase items and it has been almost a year that I reported Citibank 's error and now XXXX XXXX XXXX will not respond to my emails and normal customer service at Citibank will not address the problem since it has been handled by the executive response unit.

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 01/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: on XX/XX/XXXX I sent XXXX XXXX XXXX XXXX a certified letter and they received on XX/XX/XXXX requesting that a tax lien listed on my credit bureau by XXXX County be investigated and verified. I got an unsatisfactory response to my request on XX/XX/XXXX which is well beyond the 30 days allotted time to respond. 

I also mentioned that automated response or XXXX verification is unacceptable. I am requesting a re-investigation AND their Method of Verification. 
Additionally, I asked to please be provide the name, address, and telephone number of each person contacted regarding this alleged account. I formally requested a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. I also reminded them that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XX/XX/XXXX ), they may be liable for their willful non-compliance. None of this was acknowledged or complied with which is a direct violation of the FCRA. I currently have a total personal data security freeze with XXXX, XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Application, originator, mortgage broker

Complaint: I NEED HELP IN BUYING A POPERTY. AND WITH MY CREDIT NO ONE GIVE ME CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 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: Account status incorrect

Complaint: I noticed a tax lien reporting on Equifax. I do n't owe any tax liens. I disputed it with Equifax XXXX days ago and they wont respond, yet they continue to report this error on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (CT).
Issue: Loan modification,collection,foreclosure

Complaint: My husband, XXXX, is an XXXX XXXX XXXX XXXX Veteran that requires XXXX. 
On XXXX/XXXX/XXXX we called Wells Fargo to request mortgage assistance. During the financial interview we were told that Wells Fargo could n't help because we did not have enough income. I tried to tell them that we had applied for an increase in my husbands XXXX benefits they said they did n't care. At this time my husbands XXXX was XXXX per month and we received XXXX in food stamps. 
On XXXX XXXX I began employment with TDID at a salary of $ XXXX/ month.On XX/XX/XXXX my husbands gross monthly XXXX was increased to XXXX. Out current monthly food stamp benefit is XXXX for a total household income of XXXX. 
On XXXX XXXX, XXXX we reapplied to Wells Fargo for assistance under a change of circumstances and submitted all documentation verifying a significant increase of monthly income. 
We received a letter from Wells Fargo on XXXX/XXXX/XXXX stating " Based on the recent information you have provided to us, we have determined there has not been a sufficient enough change in your circumstances for us to conduct another review ''. This is a blatant mis-representation of the truth.The letter is not signed by anyone and when I called Wells Fargo they refused to speak with me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Debt collection (Federal student loan) with GREAT LAKES (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Great Lakes Service Center are charging me twice per month for my PLUS loan. They have ignored the terms of the loan agreement by contacting people at all hours who are not co-signors. They are harassing other members of my family. They have sent emails to people who are not co-signors at XXXX, they have called my son whose number is not on the loan, they have refused to answer my questions, their complaint department ( ombudsman ) said I should contact Great Lakes that the ombudsman can not help me, and the ombudsman has refused to respond to my emails. Great Lakes is over-charging me. I am doing everything possible to keep up but they keep dreaming up new ways to over-charge. They are doing the same thing as 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 04-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (TN).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I was placed on collection for a non-existing debt of XXXX fro the amount of {$740.00}. I called XXXX to verified that I owe them nothing and of course I do n't but XXXX has this wrong information on my record and wont remove it. XXXX is the type of company that if you do n't pay them will cut your services so there is no way a person can have such debt with XXXX. 
I am in the process of entering the police academy and this inaccurate information can ruin my career.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation