milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (IL).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I have a line of credit with Care Credit for a XXXX bill years ago. I was not told at XXXX office I would be charged 26.99 % interest after their promotion ended. I have paid {$110.00} last month and {$63.00} of that payment went toward interest. Therefore my balance is staying the same year after year. I am at poverty level of income and can not afford to pay anymore than what I currently pay every month.

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 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was a resident of an XXXX owned property for alleged monies owed in regard to a rental apartment. I was sued by XXXX XXXX these monies in XXXX XXXX XXXX and on XXXX XXXX, XXXX a Stipulation and Order for Payment with Judgment to Be Entered Upon Default was entered into between myself and XXXX XXXX. This matter was never turned over to a collection agency nor was any attempt to collect these monies ever made prior to the filing of this litigation. XXXX PROPERTIES ( a separate and unrelated entity from XXXX XXXX XXXX is incorrectly reporting this matter on my credit. According to the lawsuit filed, I do not owe money to XXXX PROPERTIES. In addition, this matter is being reported as a revolving collection account which is more than 180 days delinquent. The payments made on this account have been made in compliance with the XXXX 's XXXX attached hereto and have NEVER been late or delinquent, nor have I defaulted on any such payment. Neither XXXX XXXX or XXXX PROPERTIES have corrected this information. I have also disputed this matter with all three credit bureaus who have also failed to correct this information. I do not owe monies to XXXX PROPERTIES. This account was NEVER past due, delinquent or defaulted upon.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: Dear CFPB, I want to file a formal compliant against Capital One Bank XXXX XXXX. In 2016 I was having a lot of issues receiving my statements at my address and I had informed of this. We could n't figure out whether my statements were getting lost or stolen. I had informed them of my concerns and I was told that I would have no issues. The many times this happened I called in to make sure everything was alight and I was told nothing would be reported and my payments were made even though my statements were being delayed and missing. But sadly I noticed that in both XXXX and XXXX of 2016 they had reported me 30 days late, knowing my issues. I just ca n't understand why they would lie to me and tell me I would have no issues with my credit reporting and yet here they are. Unfortunately I am seeing this now and my heart is broken. This is not my fault, CAP ONE was in the know and please investigate this and please have them correct those two months that are showing me as past due. I ca n't understand why they would refund my fees and such and yet still report me even though their representative said I would not over lost/stolen statements. Since then my issues have resolved an dI would like to have this information corrected please, it has caused my score to drop tremendously and I am so very worried.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: They have put an account on my credit that is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: On XXXX I noticed my bank of america checking account had a balance of XXXX and immediately called the bank. The rep alleged there had been irregularities on the account that needed to be investigated and so the account had been frozen. They did not provide any details about the said irregularities and would n't indicate when the investigations would begin or end, so I had no idea when I would be able to access my funds. 

I went into a local bank to see if I could get any more information and a bank staff theorized it may have been an issue with a check deposit someone made in my account a few weeks back, but he could n't say for sure. Around XXXX, I get a letter in the mail that my credit card account with bank of america had been closed, and I needed to pay off any balance, which I did immediately. Again, I called the bank to find out what was going on with my checking account and now my credit card and got no explanation. 

Today, XXXX, I get 2 letters in the mail from bank of america. One containing a check for my balance prior to the account freeze and the other a letter stating my account had been closed following a 'careful review of my account '. There was no rationale provided, instead, a threat stating the bank may report the account to chexsystems or early warning services, which may affect my ability to open another for 5 years. 

Both my checking and credit card accounts have been in good standing since I opened them with the bank. I have neither missed a credit card payment, nor, to be best of my knowledge, have I been overdrawn or delinquent with my checking account. While I understand the bank has a right to close their account the same way I do, they held my money hostage for over a month and eventually closed my account with no explanations. They did not even have the decency to apologize for any inconvenience caused by denying me access to my funds for over a month. Instead, they chose to threaten to adversely affect my life for the next 5 years, without ever explaining the rationale. 

I also understand the bank my not be required to provide a reason for closing my account, but I need to understand how I can be sure they are treating me fairly, and not targeting me for some reason.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My insurance provider XXXX XXXX was to pay ( and did eventually ) XXXX Colorado for services that they referred me for. XXXX turned the bill over to collections with professional finance even though the bills were eventually paid by XXXX. XXXX made an error and temporarily cancelled my coverage and I should have never had a lapse in insurance. I did communicate with XXXX XXXX about the issue and they said no problem - they would get it handled. I do have correspondence form XXXX that they were at fault and would cover the charges. I was also told there would be no dings on my credit report. Well that apparently was not true. The amounts were {$450.00} and {$330.00} showing as medical collections.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2015 about Debt collection (I do not know) with Platinum Holdings Group, LLC (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: a letter was sent to my job to start taking money out my pay from adept collecter all i know its from 1998 i never receive any court papers to apear.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have financial hardship that caused me to put my loan in deferment status, but the Federal student loan agency reported it as 6 Late payments on my credit report.

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 Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have been disputing this debt with XXXX XXXX XXXX XXXX ( XXXX ) with no resolution. I sent a certified validation letter on XX/XX/XXXX in regards to this collections being reported on my credit report. I respectfully requested a validation in which I have the right to request due to the debt you say I owe under the pursuant to 15 USC 1692g Sec 809 (  b ) of the FDCPA. I received a letter stating that this account number XXXX was sold to XXXX XXXX XXXX ( XXXX ) and the time of the sale the Seller provided an electronic file, a summary of information sent in the electronic file and a bill in the amount of {$5100.00} which does not constitute validation. I sent another certified validation letter on XX/XX/XXXX and in return they sent the same letter as the first time. 
I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt I Also need to know what information was sent to the credit bureau to validate the deb. I have no contractual obligation with this company but yet they continue to report to all three credit bureaus in which is unlawful being that they failed to validate the debt. This debt constitutes defamation of character, as negative listing on my credit. I requesting they provide me with evidence that I have any legal obligation to pay or promptly delete all information from my credit file which can not be validated.

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 01/19/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I did not consent nor sign a contract to be a cosigner to a Student loan belonging to XXXX XXXX XX/XX/XXXX through Navient XXXX XXXX, PA XXXX, I want this loan information immediately removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Our home mortgage loan is serviced by Seterus , Inc. A few years ago we refinanced with them for a much lower interest rate. We have been paying extra each month to pay down the principal. We pay our property taxes directly to our XXXX Co. tax office and pay our homeowners insurance directly to XXXX XXXX. We had no problems until XXXX XXXX, when Seterus sent a statement notifying us we had a negative Escrow account. It made no sense because we have never had an Escrow account. We called the customer service number and were transferred to various people, told us to call a different number and speak to the tax division. They said we needed to have an escrow analysis. Back and forth, not getting any answers, we were told to send our tax payment history and a letter requesting we not have an Escrow account. We did this. We got no response. Next month we still had a " negative Escrow account '' and our monthly payment was increased several hundred dollars. The customer service person said our request was " under review '' and for now we had to make the higher payment or pay a penalty fee and be turned in to a credit agency. This has been going on since XX/XX/XXXX. We made both installments for our XX/XX/XXXX taxes so we know there are no delinquencies. For 8 months, we have made phone calls, sent them our payments which are now {$1000.00}. above the monthly payment, and have never been able to resolve this. We ca n't afford to pay extra anymore, so we have lost ground on our plan to pay the principal down faster. We applied to refinance through XXXX, and have been approved. Now Seterus is setting our payoff amount {$8000.00} higher to get us to pay the Escrow balance, which would be for XX/XX/XXXX taxes that are not due until XXXX, XXXX. We do n't want to finance money for an escrow account which should not exist. Seterus does not have a person in customer service to talk to other than the representative. They have no complaint department, or superviser. They are strong-arming us and leave us no options. We believe t that since we have a lower interest rate and are paying off larger amounts, Seterus is trying to hold us to Escrow accounts to make money off the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2015 about Mortgage (FHA mortgage) with Home Point Financial Corporation (MD).
Issue: Loan servicing, payments, escrow account

Complaint: I have encountered a serious problem with my escrow account with Home Point Financial, Mortgage XXXX XXXX. XXXX. This loan settled on XXXX XXXX, 2015. 
I was notified on XXXX via my Annual Escrow Account Disclosure Statement that my escrow account was short by {$1700.00}. The loan is not even XXXX XXXX XXXX yet, and there is a serious shortage. 

Home Point states that even if I pay the shortage, my monthly mortgage payment will increase from {$1400.00} to XXXX. This will create a serious hardship on my ability to pay my mortgage. 

I contacted my Loan representative XXXX XXXX, Home Point Financial, who researched this problem and informed me that XXXX XXXX XXXX XXXX XXXX XXXX failed to include the City of XXXX XXXX XXXX in my mortgage loan and that has resulted in this serious shortage in my escrow account. 

Because of this failure by XXXX XXXX, I have been placed in a serious financial hardship with my mortgage. 


The loss I will suffer from this mistake is as follows : {$1700.00} escrow shortage {$1500.00} additional amount required in monthly mortgage payment for 1 year ( New loan amt. {$1600.00} - old loan amt. {$1400.00} = {$120.00} * 12 ) {$3200.00} Total loss

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: cra violation no score reported inaccurate information please fix this issue asap

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 07/18/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: We have been trying to sell a property since XX/XX/XXXX. We have a motivated buyer willing to pay in cash. We have submitted all the documents to Ocwen and have received a conditional letter of approval. Meanwhile it is now XX/XX/XXXX and Ocwen has n't given us the approval for sale yet they have everything asked for. They have made no effort to contact us regarding the sale but call to harass four to five times a day to collect the debt. No one at Ocwen knows anything but have started foreclosure proceedings on the property that 's waiting to close on by them stalling.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Porania, LLC (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have  XXXX  dismissed bankruptcies on my credit report, from  XXXX  different years. I would like to know how it is that I can remove them if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2016 about Consumer Loan (Installment loan) with Cedars Business Services, LLC (GA).
Issue: Problems when you are unable to pay

Complaint: During my time in XXXX XXXX, the company I worked for forced its employees to take out loans for housing. Unfortunately, the workplace was abusive and I quit to move back to the States. The loan company there sent the loan to a collection agency in the states. After speaking with the collection agency here, I told them I was n't working. They continued to call me. Recently, they called my daughter. I have no idea how they got her numbers, but I called the collection agency and told them to stop calling me and my daughter. When I spoke to the collection agency, they said they had no record of me or my daughter. Recently, my daughter told me they called my mother. 
I told them more than once I was forced to take out the loan and they need to speak the with company that forced me to do so because I 'm not responsible for the loan, the company that forced me is responsible. They continue to harass me. When they call now the number comes up on my caller ID as unknown. They call sometime two or three times a week or more. They have called my daughter twice and my mother once. When they called my daughter and mother the number on the caller ID came up as unknown too. 
If they do n't have a record of me, why are they continually calling and harassing me? 
Their employees tried to bully me : one employee suggested I take out loans to pay this loan, borrow money from family, and go back to an old job from about ten years ago while asking me what I planned to do about this loan. I reiterated the loan was the problem of the company who forced me to take out the loan and that 's who they need to speak with.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Debt collection (Federal student loan debt) with ECMC Group, Inc. (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I have tried to reach XXXX numerous times through the 3 credit bureau's since XX/XX/XXXX 2017 in regards to in accurate information reporting on my credit report. They are reporting duplicated and inaccurate information in which is killing my credit file and costing me thousands of dollars in interest every year.XXXX  /Account# XXXX****is reporting 4 times on my credit report with the same account number.

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 12/29/2016 about Debt collection (Non-federal student loan) with JH Portfolio Debt Equities, LLC (MI).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: My co-signer for a private student loan received a single phone call from a collection company, Credit Control. My co-signer explained that I was not available at that time but would pass the message on - the rep insisted that I knew of the debt as they have sent several letters and made several attempts to reach me by phone. No letters have been received, and no phone calls other than this single call have been made. A few hours later, I returned the call and offered to pay regular monthly payments starting in a few weeks time as I did not have a lump sum and could not at that time make a down payment. The rep told me that without immediate payment, " further collective action would be taken '' and he refused to set up regular payments on the account without a payment then and there, even after explaining that I did not have the money to make a payment at that time and that doing so would put me in a worse off financial position. I explained again that I was happy to make regular payments that I could afford starting in about 2 weeks time, and he again refused and fell silent. I felt harassed and bullied into making a payment which I could not afford at that 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 07-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have called Transunion on numerous occasions and did several online Disputes to have the following address removed off my credit report. 

XXXX XXXX XXXX XXXX XXXX, NC XXXX I do not understand how this address got onto my credit report i have never lived there at all. I am having even further trouble comprehending why TransUnion is so reluctant to remove clearly erroneous information off my credit report. 

This address is showing on credit report # XXXX from TransUnion. 
The other XXXX bureaus XXXX and XXXX do not have this address and all my other personal information is being reported correct!!

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