milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/13/2015 about Credit card () with AMERICAN EXPRESS COMPANY (OK).
Issue: Payoff process

Complaint: The conversation I had with the American Express credit card company was confusing as far as the exact numbers go, so the numbers I 'm using will not be exact but the way the CC company handled it should be obvious. I had a balance due in XXXX. I paid part of the balance ( more than the minimum ). I made a purchase of {$3000.00} in XXXX. In XXXX I paid {$3100.00} on a balance of {$3100.00} making my balance due of {$15.00}. My statement for the amount due in XXXX showed an interest charge of {$28.00}. It looked odd to me that {$28.00} would be charged on a {$15.00} balance. I called the company. They told me that it is a " trailing interest '' charge. Because there was a balance from the previous month ( I 'm thinking the {$15.00} ) that, even though I paid them {$3100.00} they were going to charge me interest on the {$3100.00}. In other words they are charging me interest on money that I have already paid. I asked the lady from the CC company if that was accurate and she said, yes, because the previous month 's balance was not paid in full they would use their '' trailing interest '' policy to charge me interest on money I had already paid them. Is it legal for them to do this? To my knowledge, none of the other CC companies I deal with operate in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (AZ).
Issue: Problems when you are unable to pay

Complaint: On XX/XX/XXXX at about XXXX XXXX, I received a telephone call from a Chase customer service representative named XXXX ( # XXXX ) concerning a vehicle that has been charged off/ written off by J.P. Morgan Chase on XX/XX/XXXX. The customer service agent was told over the phone that I was XXXX and under medication. The customer service agent said that the call was being recorded ( but did not obtain my permission ). Although I explained to the customer service agent that I was under medication and was not mentall well, he repeatedly kept saying that he was going to call me and tired to get me to say the word " refuse to pay. " This is very rude and unprofessional behavior. This customer service representative was not concerned about my XXXX status.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Debt collection (Medical) with Frost-Arnett Company (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Hospital never sent me a bill and exceeded their time limit on filing claim with insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar mortgage refuses to adjust the value of my home that they have on file to match the original appraisal value indicated by the original purchase documents and the original appraisal. I 've provided the original assessment conducted when the home was purchased to show that the home value was appraised at XXXX rather than the incorrect and improper XXXX that they have on file.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2016 about Debt collection (Credit card) with Federated Capital Corporation (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In XXXX our corporation was issued a XXXX business card in the name of XXXX XXXX XXXX that continually harassed us for about 3 yrs and claim that the debt is owed by my husband which it is not XXXX business cards sold the the account to XXXX and XXXX who claimed to be attorneys they were not set up a settlement with us which we paid in XXXX XXXX the the corporation they never reported it XXXX kept the money XXXX on {$4000.00} they said was owed then they turned it over to a debt collector in XXXX named federated financial services which went after my husband with their attorney and said he owed XXXX with al the penalties late fees and interest every month they had the XXXX come to our home threatened us and told employers our confidential business XXXX business is bankrupt and federated has changed their name to XXXX XXXX XXXX we have paid this and do not owe anything just who are they collecting debt companies settled for pennies on the dollar and we paid them we want it removed off of my husband credit report and post as debt settled and to leave us alone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 04/21/2016 about Consumer Loan (Vehicle loan) with HYUNDAI CAPITAL AMERICA (CA).
Issue: Managing the loan or lease

Complaint: Called into Hyundai Motor Finance on XXXX/XXXX/16 - to question why Hyundai Motor Finance has me XXXX days deliquient on my car payment. Stayed on hold for 15mins. Hung-up, and called back. Customer Serv Rep by the name of XXXX answered call. Explained to her that I am not 58 days past due according to my own records. She explained that I made partial payments for XXXX & XXXX. I explained to XXXX my records indicate me sending in more than my monthly payment each month. She explained that I have unpaid late fee 's and that the overage payments are not being applied to the late fee 's. She explained I need to call into Hyundai Motor Finance after each payment and advise them to apply my payments to late fee 's. I asked her to apply my payments to what I am billed. She said she can not reverse the payments and re-apply. I asked to speak with a manager in which she explained the Manager ( XXXX ) said she could not re-apply the late fee 's.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2015 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I forwarded one of my tax bills to SunTrust Mortgage. They only paid aportion of the bill, and I was assessed fine/cost of {$280.00}. I contactedthem about this and they told me they would refund my account for thedifference because it was their error. After several months and severalmore phone calls I have still not received a credit to my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11-11-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have XXXX hard inquiries in my credit report and I have not asked for any credit in no place. It appears on request at XXXX and the other at XXXX ON XXXX XXXX. And Have other on XXXX for XXXX made the day before XXXX XXXX. Please investigate asap. 

Thanks In AdvanceXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Debt collection (Mortgage) with Real Time Resolutions, Inc. (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They have a " Call Blaster. '' On XXXX/XXXX/15 they called me XXXX times between the MINUTES of XXXX and XXXX. I was speaking to the medicaid office in Ohio and it disconnected me and because of the repeated calls, I could not get back on my call. 
This is not the only instance of this happening. It has happened several times over the past few months.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2016 about Mortgage (Conventional fixed mortgage) with WASHINGTON FEDERAL, NATIONAL ASSOCIATION (WA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage with Washington Federal bank. I do not have any other account with them. I would like to make extra principal payments against my mortgage. I would like to make these extra principal payments online like I do all other payment transactions at other financial institutions. It is convenient and flexible with respect to timing and amount. 

Washington Federal does not allow making payments online against a mortgage account. I do n't understand how a large financial institution can not allow online payments. The only way I can pay down my mortgage principal is to mail in a cheque or to visit a branch. I feel that Washington Federal is purposely making it inconvenient to pay down my mortgage so that they can collect more interest.

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 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Original I sent this to the CFPB : On XX/XX/XXXX XXXX XXXX was sent a letter from me asking for the original instrument of indebtedness in its original form of this said account in exchange for payment. XXXX XXXX never responded to my letter. XXXX XXXX was stating that I owe XXXX. After the letter was sent, I checked my credit report onXX/XX/XXXXand the balance was changed to {$33000.00}. I was expecting a letter from them to no avail about this situation. Upon checking my credit report today XX/XX/XXXX XXXX  XXXX jumped the loan amount back to {$50000.00}. Experian responded : Thank you for submitting your complaint on XX/XX/XXXX  through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB  portal and directly to Experian. On XX/XX/XXXX, we sent you a notice stating that in order to research your complaint, please provide your full name, including middle initial ( and generation such as JR, SR, II, III ), previous addresses for the past two years, complete Social Security number and date of birth. As of XX/XX/XXXX, we have not received the requested information. Once we receive your complete identification information, we will promptly address your complaint. For additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX XXXX XXXX XXXX TX XXXX. For more information regarding your credit and frequently asked questions, you may visit : XXXX XXXX XXXX  Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian. This is quite concerning knowing that Experian is not doing their job with handling complaints and lying saying they have n't received information from me. Attached are the documentations proving that I 've sent in the information verifying my identity. I also called Experian and verified that they received my information to which the representative told me yes and my new information was updated on my credit profile. I will also include a copy of my report with my updated address on 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 02-07-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: There are XXXX incorrect addresses showing on my credit file. Please remove them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE CORRECT ADDRESS IS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA 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 11-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: After reviewing my credit report I found out some old inquiries and acct been added please review this issue this is against the law my credit score drop after been working on this and ready to buy a house.

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 04/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I was recently informed that I owe a debt in the amount of {$5000.00} ) to XXXX XXXX which is a property manangement co. used by an apartment I used to rent from. I wasnt evicted nor did I violate my lease. I moved out at the end of my lease. The property has since been sold I do n't believe that debt is correct. I have contacted Hunter Warfield Collection Agency at XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX 2015 and asked to Please send me written verification of the debt. To date I havent received anything from them. This debt is preventing me from renting an apartment and I had to move in with my parents.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 about Money transfer, virtual currency, or money service (International money transfer) with AMERICAN EXPRESS COMPANY (GU).
Issue: Wrong amount charged or received

Complaint: I tried this already and never solved. American Express discriminated me when I tried to apply again my score was XXXX based on the letter American Express sent me Dated XXXX XXXX, 2017. I 'm asking the CFPB for urgent legal assistant because I just received today the new credit score on my  file from XXXX as of today XXXX XXXX, 2017is XXXX fair. from XXXX XXXX is Good, from XXXX XXXX very good. this is the latest Score. Please help. I have proven score that, American Express should issue my credit card now as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Credit card () with CITIBANK, N.A. (IN).
Issue: Closing/Cancelling account

Complaint: I am seeking your assistance to resolve a situation with CItiBank, who remains unresponsive to verbal and written communication. 
SUMMARY : From XX/XX/XXXX to XX/XX/XXXX XXXX 

To comply with CitiBank 's interpretation of the Patriot Act, my social security number was connected to the Center 's CitiBank Business credit card. Due to billing confusion taking place after I left the agency, CitiBank states the account has not been paid, late fees and interest have been added and the 'account ' has gone from a collection agency called Pro XXXX XXXX XXXX a second collection agency called XXXX XXXX XXXX who continue to call my home and threaten my personal credit rating even though I have repeatedly and patiently explained the situation in full each time I am called. After all, it is in my best interest to clear up this mess. 
CitiBank, XXXX and now XXXX XXXX do not respond to written and verbal communication from me or the XXXX XXXX XXXX to resolve the confusion. 
The original amount owed on the card was {$88.00} with an added {$140.00} in fees which supposedly brings the disputed amount to {$200.00}. XXXX Yes, I know the basic math is wrong, which just adds to the craziness! ) The XXXX shared a letter from Citi with me stating the original {$88.00} was paid XX/XX/XXXX. Yet I continue to receive calls requesting I personally pay {$200.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/27/2017 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Initially I sent them letters about inquiries about inquiries that I have not authorized. The credit agencies have failed to provide the creditors permissible and signed authorization that I have initiated excessive inquiries.

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 06/25/2015 about Debt collection (I do not know) with Diversified Adjustment Service, Inc. (ID).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Called cell phone XXXX. When asked who they were or who they were with would not respond only asking who i was. Called from number with unknown name. After hanging up called my work they were asked again who they were and would not respond. Asked not to call back. They called back asking to speak with owner of the company. Again they were notified that they were herassing and to not call back. They called again from different number on cell phone again not specifing who the were. Upon returning the numbers on the caller identification, both numbers came from Diversified Adjustment Services. Women calling was very pushy and not understanding that she was calling a place of business and if she did understand did not care. The phone numbers that had came through at the time were XXXX and XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 06/18/2015 about Consumer Loan (Vehicle loan) with Byrider Franchising, LLC (WI).
Issue: Taking out the loan or lease

Complaint: I purchased a vehicle from JD Byrider XXXX/XXXX/14. Yesterday I went to trade in the vehicle for a newer truck. The dealership informed me that my vehicle was only worth {$2000.00} and that the pay off for the loan was {$8800.00}. This seems way off. I trusted the dealership and the finance company because they are affiliated with each other. I feel that they took advantage of me and I am stuck with a vehicle where I owe 4 times what the vehicle is worth. Further more when I contacted the finance company last night and asked for a hard copy of the pay off I was told they do n't have that in a hard copy. I threatened them by asking them where I was to send a sopena to get this information. She reluctantly sent me a copy of the general ledger.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: An agreement was made with the company the matter has been taking care of and the account is closed im no longer liable for the account however its still showing up on XXXX and XXXX as open and negative. XXXX is the only one that updated the account correctly and closed it out.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Problem with fraud alerts or security freezes

Complaint: Tried to get a new car loan only to find out we had been denied because of a Identity fraud that I and my husband never requested.We had a previous bankruptcy however our credit scores were good enough for a reasonable loan. I was able to get XXXX to remove it I hope. However Transunion and XXXX I haven't been able to contact.Want it off 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 04/28/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I attempted to file a dispute about an inquiry on my Equifax credit report. They referred me back to the company that made the inquiry, XXXX credit. I disputed the inquiry with them and they sent me a letter stating they could not remove the inquiry and referred me back to Equifax. XXXX claims it 's for some type of credit I applied and was approved for, {$1500.00}, but provided me no proof of such application. XXXX states the lender for pay pal credit accounts is XXXX XXXX XXXX. I never received information from them about the alleged account. This account was opened without my knowledge and not by me. I want the alleged account closed and the inquiry removed. XXXX and Equifax have the date of the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Debt collection (I do not know) with SELECT PORTFOLIO SERVICING, INC. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: To Whom It May Concern : Again we write in regard to unauthorized communications dated XXXX XXXX, 2016 and XXXX XXXX, 2016 received from SPS - Select Portfolio Servicing ( attached ). 

Please be advised that there is no debt owed to SPS or obligation incurred by the Complainant to SPS. SPS has made up an account is fictitious and fraudulent. SPS has failed to validate any debt as previously demanded by addressees. SPS has admitted to Complainant that SPS has misrepresented an alleged debt. SPS, its successors and/or assigns have no authority to act in any capacity in this matter. 

We do not and will not engage in the establishment of escrow activity of any nature, which SPS seeks to initiate. 

Be advised that all legal and relevant property bills have been paid and will be taken care at all times by the Complainant in contract with direct vendors only. 



BY : XXXX XXXX XXXX Cc : Consumer Financial Protection Bureau

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