milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-12-2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (SC).
Issue: Problems when you are unable to pay

Complaint: I sent in a dispute letters to Ally Finacial originally on XX/XX/2016 by USPS which they signed for it on XX/XX/2016 to dispute a account that was showing up on my credit report. They DID NOT send a response letter to me until XX/XX/2016 which the letter was dated XX/XX/2016 AFTER the 30 days time frame they had to respond. Also they DID NOT mark ANY of the credit bureaus disputed. That was after the 30 days time frame they had to contact me back in reference of my dispute. I sent them a second letter on XX/XX/2016 which was signed for on XX/XX/XXXX informing them that they had broken the federal law b/c they had 30 days to respond back and they responded back AFTER 30 days. I requested that by Federal Law they have to remove the account off of my credit report. They responded back to me XX/XX/2016 once again with documents but still not marking my credit report and still DID NOT remove the account from the credit report even though once again it was after 30 days of them responding. I sent out a third letter on XX/XX/2016 and was signed for on XX/XX/2016 advising them that once again they had broken the federal law of having 30 days to respond and mark my credit report as disputed. I checked my credit today XX/XX/2016 and it is showing that my credit report was updated today and marked disputed but sent NO documents. They have continuously broken the law and would not comply by removing the account since they did not respond to me within the 30 day time frame. I need this company to completely remove this account off of my credit report b/c they have broken the Federal Law twice and still have not completely resolved my issue.

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 09-10-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: My wife and I were having difficulty with our mortgage payments because it was a variable rate. Over time the loan payments went from {$2000.00} to {$2600.00}. We wanted to refinance/re-modification, the bank rejected our application twice. At this rate if nothing is done we might be in position of not being able to keep up with payments. We have children who are under XXXX. Repeated calls went unanswered or fell on deaf ears.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (VA).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: For the past couple weeks, I have been receiving letters from Synchrony Bank  (   XXXX .  XXXX   XXXX   XXXX , FL  XXXX  ) to verify transactions on a  XXXX  MasterCard  ( ac count ending  XXXX  ) I never opened. I do not know whether  one  was opened fraudulently in my name or if none was ever issued.     When I called the provided number (  XXXX  ) and talked to a "  Fraud Service Representative '' to clear up the issue and make sure no one ha d opened an account in my name, it became clear this was a fraud. As soon as I gave my name and explained the situation, I was asked for my full social security number. When I refused, I was then asked to give my full address and last  XXXX  digits of my SS #. At this point, I told the representative I would be reporting them and terminated the call.

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 08/25/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: A XXXX XXXX acc. closed in 1997 is still on my report. Untill I closed it due to divorce it was always paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Credit reporting () with EQUIFAX, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Have spoke with XXXX on several occasions, this bill occurred after equipment was returned to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Nationwide Biweekly Administration, Inc. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Really concerned about how Nationwide Biweekly Administration handled the notification to it 's members about the suspended Biweekly program. For those people ( to inlcude myself ) that does not check their e-mail regularly this has caused a significant financial challenge in having to make XXXX mortgage payments in one month which has put a strain on my financial situation. This is not the way I wanted to start 2016. I truly feel that Nationwide Biweekly Administration Inc. is taking advantage of individuals with their marketing skills and the cost to the consumer for the program which for me was {$3500.00} for them to do something that my mortgage company just agreed to do for nothing. Yes I feel stupid for falling into this trap and will not be so naive in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2015 about Debt collection (I do not know) with Van Ru Credit Corporation (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On or about XXXX XXXX, 2015 I received a call and I believe that they identified themselves as debt collectors. They did not say who they were attempting to collect the debt from and asked me to provide an address or my Social Security Number. I found this quite disturbing and improper. I asked them who they were attempting to collect the debt from and they did not have an answer for that. I said that the phone number has been mine for a few years so you might be looking for someone else. I asked what company she was from and she stated Van Ru Credit Corporation. I see that it is likely that there are multiple complaints against this company on the internet ; my negative assumption is that they are as corrupt as the rest of the State of Illinois that they reside in. It would be greatly appreciated if you could find out if they are cold calling for phishing purposes or other fraudulent schemes. Thank you very much.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have sent several requests to Portfolio Recovery per the Fair Debt Collection Practices Act, 15 U.S. Code 1681, Fair Credit Reporting Act section 623 ( a ) ( 1b ) and section 623 ( b2 ) requesting the show me the documents required by law that they have to hold me responsible to this debt. Also according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. 

At this time I am submitting this as so that the FTC will have on record that I have attempted on numerous occasions to have this company obey the law and they have refused to produce the documents they are required to have on file to continue to report this derogatory information. I have been given no original contract bearing my signature or documentation of any kind. 

It was advised that I try to have this issue resolved though the mediation of the CFPB before I filed suit in state court seeking remuneration for several things including but not limited to : Violation of the FCRA, Violation of the FDCPA, Defamation of character and Identity Theft as they have opened this account without my knowledge or consent. I have lost opportunities due to this illegally reported information remaining on my credit profiles.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Credit card () with BARCLAYS BANK DELAWARE (NY).
Issue: Late fee

Complaint: Paid Barclaycard XXXX via website on due date. Was assessed a late fee because my payment was after XXXX. I pay my other credit cards online and none of them have a payment cutoff time before XXXX ( I paid around XXXX ). I had no reason to expect the case would be otherwise with the Barclaycard 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 12/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with PORTFOLIO RECOVERY ASSOCIATES INC (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Ohio XXXX XXXX contract Portfolio Recovery Associates , LLC to collect a debt which is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX for {$230.00} is incorrect. Insurance covers XXXX % since my daughter is on XXXX. It 's not my fault they never filed the insurance. Not to mention, I never received a bill for this. I 'm assuming it 's from where my daughter XXXX and her father was the responsible party at that time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Good Morning dear CFPB I am writing about my card with citibank credit card that i had since XXXX. 

Citibank closed my account for no reason because the reason they giving me its does not make sense. They are saying o used my card rapidly which i paid off later and other inaccurate reason they are giving me, I have used my card based on my credit card agreement never went over limit never abuse my card and i have great credit rating based on XXXX, XXXX and XXXX XXXX. Low credit usage and exceptional credit. 



Closer of this account both business and personal will have really huge negative effect because it will show closed by credit grantor and my other creditors will follow same route please assist me to review and reopen my accounts Citi Costco : XXXX XXXX XXXX XXXX Citi Thank : XXXX XXXX XXXX XXXX Thank you very much

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Debt collection (I do not know) with Vital Solutions, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Calls every day, once every hour, to my workplace without leaving messages. I had to do reverse lookup.   This harassment could get me fired.   My debts are being handled by a debt resolution service and I provided that contact information to all debtors.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: On XXXX/XXXX/XXXX I mailed dispute letters to each credit bureau and it is now XXXX/XXXX/XXXX and I still have not received any responses from any of the credit reporting agencies. It has been well over 30 days and a response is required. This is a direct violation of my rights and has impacted my XXXX XXXX negatively.

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 04/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I know I owe {$250.00} to Kohl 's department store. I keep getting phone calls ever since I missed my first payment. I have expressed to them that I still have not had a shift so I can be able to pay off my debt. I 'm always told at the end of the phone call that my situation is documented, but I keep getting called every day and asked the same questions over and over again.

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2016 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (LA).
Issue: Loan modification,collection,foreclosure

Complaint: This is my second complaint with Chase Bank. This is additional information from a previous complaint Re : XXXX. I applied for the Home Loan Modification program XX/XX/XXXX, due to financial hardship and job loss. The first application, Chase incorrectly calculated my monthly gross and net income. I was denied. Then, I repeatedly completed over XXXX applications for a modification and I have not had any success with the HOPE assistance program recommended by Chase. During my unemployment from XX/XX/XXXX - XX/XX/XXXX, Chase appeared to be working with me to avoid foreclosure. However, throughout the process, I was repeatedly denied any homeowner assistance for a interest rate modification or alternative option. I resumed paying my monthly mortgage XX/XX/XXXX and I am currently 3 months delinquent. I understand my loan is insured by USDA, but I do not understand why I do not qualify for any loan modification. My applications stated that I " do not meet the minimum financial requirements of the investor or insurer of my loan. '' I understand it 's all about the numbers, but it is not clear what would be the min/max standard for Chase or the investor to re-evaluate my interest rate modification. What are the minimum requirements? What does chase need to calculate a proposed -post modification debt to income ratio that is within the acceptable range of the program?

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Mortgage (FHA mortgage) with NATIONS LENDING CORPORATION (GA).
Issue: Closing on a mortgage

Complaint: XXXX XXXX, XXXX Approval letter given XXXX XXXX, XXXX - earnest money {$1000.00} was given to XXXX XXXX agent XXXX XXXX, XXXX - Nation 's Lending withdrew an appraisal fee of {$440.00} from my account. XXXX XXXX, XXXX - Nations Lending withdrew an additional {$59.00} from my account for an appraisal cost. XXXX XXXX, XXXX Denial of credit letter received from Nation 's Lending. XXXX XXXX, XXXX - Anticipated closing date. Talked with lender XXXX XXXX about situation. He stated all funds should be returned to me. XXXX XXXX, XXXX - talked with XXXX XXXX 's manager who stated appraisal fee would be returned but earnest money should come from agent. No date of when this will happen. No communication since this date and no funds returned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/17/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I applied for an XXXX XXXX XXXX plan and I received a determination with all the pertinent info including a monthly payment of {$75.00}. It was an email to log on into Navient account website which I did and there I found all the information. I was out of town working at the time so I could n't copy it and get it into my computer to keep a record of it. I never recieved anything further from Navient until this month notifying me I am behind in payments. I went back to my Navient account page and the determination was gone and there was no change of payment, Navient saying I was behind at the rate of almost {$500.00} a month. There is also no record of the XXXX plan. I tried emailing them in response to their behind-in-payment email but they will not accept it. So now I am right back where I began last fall when I applied in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We are a senior citizen married couple. We applied for a mortgage modification through our servicer Wells Fargo. We were approved for a Trial Period Plan starting in XXXX XXXX. When we were approved, we were current on our mortgage. We made our TPP payments in XXXX, XXXX, and XXXX, and got a permanent modification in XXXX. We had made an extra regular mortgage payment in XXXX, and Wells Fargo agreed to apply that extra payment as the XXXX TPP payment and part of the XXXX TPP payment. 

We never missed a payment on our mortgage -- we made our normal payment on time each month until the TPP, and made each TPP payment on time including XXXX XXXX and XXXX XXXX. However, Wells Fargo reported to the credit reporting bureaus that we were behind on payments in XXXX and XXXX XXXX. This negative reporting caused problems for us when we tried to qualify for a reverse mortgage. 

Our attorney notified Wells Fargo of the problem, but Wells Fargo claims that they report borrowers as late during TPPs even if the borrowers have made all of their payments on time. This seems wrong. They should report that we are making our payments on time and not make it look like we are missing payments when we are not. 

We have attached some documents from Wells Fargo showing that we made our payments on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Prepaid card (General purpose card) with NETSPEND CORPORATION (IN).
Issue: Adding money

Complaint: The Social Security Administration had informed me that they had sent my payment to Metabank/Netspend on Wednesday, XXXX XXXX, 2015. Usually it 's available the moment it 's sent, but has not been since. They are giving me the runaround saying it is not available when SSA is saying it is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2016 about Credit card () with DISCOVER BANK (NY).
Issue: APR or interest rate

Complaint: Last year, when I was facing some severe financial hardship, Discover Card customer service admirably assisted me by reducing my rate to 12.99 %. I did not realize at the time that this was only a temporary measure. Today I opened my Discover Card bill and found that a check I had mailed out on XXXX XXXX was not posted to my account until XXXX XXXX, fully two days after my payment due date, and that my interest rate had shot up to 22.24 percent. In comparison, it took XXXX XXXX XXXX two days to post my check payment to my account with them. Both checks were mailed the same day to the same city : XXXX, North Carolina. I immediately logged into the Discover website to reach out to their customer service department. CSRs XXXX and XXXX gave me some facile, patronizing, dismissive answers about why it took over two weeks for my check payment to clear & why my APR increased so drastically and suddenly. According to XXXX my rate was raised to a usurious 21.99 % because I had missed one payment in XXXX, FOUR FULL CALENDAR YEARS AGO, followed by a further .25 % increase due to the Federal Reserve 's recent rate hike. I have paid early or on time every month, at or above the minimum required payment, my credit rating is the highest it 's been in years, then their company almost doubles my APR and then offers to " reduce '' my rate to slightly above 20 percent, a disgraceful slap in the face of a customer who has been nothing but loyal to their company since XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-05-2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Trouble during payment process

Complaint: In servicing my mortgage payment in early XXXX XXXX, Bank of America ( BofA ) applied a {$550.00} payment incorrectly, putting over {$500.00} to interest when the correct amount should have been {$19.00}. My wife and I had originally taken out the mortgage with one of the Bank of America 's predecessor financial institutions in XXXX XXXX. At some point, BofA ( and for several years ) had used XXXX ( formerly XXXX ) XXXX as its servicing agent. for the past few years, I had been making electronic payments to XXXX every two weeks, consistent with my payroll frequency. I was also paying slightly more than required with the aim to complete the mortgage a few months ahead of time. I had no issues when XXXX had serviced the loan. 

In XXXX of this year, servicing reverted to BofA. The very first electronic payment I made to BofA upon them servicing the loan was missapplied with the bank applying {$520.00} toward interest and only {$28.00} toward principal. This contrasts to the last payment I had made to XXXX in late XXXX wherein over {$500.00} was properly applied to principal and about {$21.00} was applied to interest. Also, in later {$550.00} payments made to BofA, the amounts applied to principal were consistently over {$500.00}. 

I have contacted the bank on at least five occasions beginning on XX/XX/XXXXnd while each person I had talked with seemed to think an error had been made, none of them were permitted ( by their job duties ) to correct the error. On three of those occasions, I was told I would receive a call back, but to this date, I have not. On one of those occasions, I went to a local branch thinking that might help resolve the situation, but it did not. As the error is in the bank 's favor, I feel that they are not motivated to correct anything. 

In one of those calls, the agent had told me that I was not permitted to make payments more than on a monthly basis, so there calculation was therefore correct. This was nonsensical, as the frequency of payments has nothing to do with how simple interest is calculated. 

This has been especially frustrating as I am a CPA and an auditor with a strong mathematical background. I know the correct calculations and have proven them out using XXXX, yet I can get no satisfaction, much less a return call, from BofA. I am toward the tail end of this mortgage, with the aim of having it paid off in full in XXXX XXXX so I ca n't wait long for a resolution.

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