milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-07-2017 about Credit card () with Alliance Data Card Services (TX).
Issue: Billing disputes

Complaint: Victoria 's Secret - Comenity Bank My account is showing a balance which consists of numerous late fees ; however, I paid the balance of {$110.00} in XXXX. 
In early XXXX, once I realized that I was behind a payment, I called the Customer Service number about my payoff, and asked about having two of the late fees removed because I have been having US mail issues and not receiving my statements. I was told that they would be removed, after my payment was received. With that late fee credit ( {$50.00} ) and the interest charge for them ( {$3.00} ), my balance would be {$0.00}. 
Since that time, my account has accrued a late fee each month ranging from {$27.00} to {$37.00}, to the amount of {$230.00}. 
In early XXXX, once I realized that my account was still accruing fees, I called the customer service number and I was told that no one by phone could help me and that I needed to send a letter. I did send a letter and received a response stating, " A late fee may be charged to your account when the minimum payment due is not received by the scheduled due date. Because this requirement was not met, we are unwilling to remove the late fee from your account. '' However, within a few days of receiving this letter, I received a XXXX billing statement showing on XXXX, that I was credited for two late fees and finance charges totaling {$75.00}, but still showing a balance of {$170.00}. I again called and spoke with a Supervisor and was told that the late fees and finance charges are a legitimate balance. 
How can they continue to change me fees? This credit card bank should have never been able to charge me any fees since I paid off the balance on my account in XXXX. They are now saying that they can not refund anything and I must pay the balance due, which is all fees that I have been charged by them. I did offer to pay the {$50.00} late fee that was charged in XXXX to try to satisfy this account, but they would not remove the other fees that they have charged since their customer service representative did not do what she stated that she would do. I should have a XXXX balance/paid in full on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Debt collection (Medical) with AVANTE (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have ANOTHER medical company trying to collect from me. Once again I have insurance so why osnt my insurance paying.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There are inquiries on my credit report that were not authorized, there are serveral insurance companies that checked my credit when I only gave permission forfor XXXX company to check. and also there is a place called XXXX on the inquiries that I have not given permission to as well.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX  is collecting an account for  XXXX . I have never had an  XXXX  in my life. I can find nothing old on my credit report th at may ha ve been purchased by  XXXX  ..or ch anged to  XXXX . I disputed this with  XXXX  and the credit bureaus and they left it on my file.     Account number listed on bureau  XXXX  Amount listed {$340.00}

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 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: to many inquires on my credit report that im not aware of.

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 10-05-2016 about Mortgage (Conventional fixed mortgage) with FIRSTRUST MORTGAGE, INC. (PA).
Issue: Settlement process and costs

Complaint: I closed on a mortgage loan with Firstrust Bank on XX/XX/2016. The Closing Disclosure issued on XX/XX/2016 and signed at closing on XX/XX/XXXX provided an estimated total monthly payment including taxes, insurance and assessments of {$2600.00}. In accordance with the loan agreement, I paid this amount on time in XX/XX/XXXX. On XX/XX/2016, forty-eight days after closing, Firstrust sent a revised disclosure, back-dated to XX/XX/2016, to me via express mail, demanding that I sign and return immediately. The new disclosure notes that payment is now {$3400.00} per month -- an increase of {$850.00}, or 32.3 % higher than the signed CD. The difference is a massive under-estimation of the real estate taxes, which the bank -- after I called them to inquire -- blames on the title company. I signed the original CD and am making the payments in full faith, after a grueling application process in which I supplied approximately XXXX different documents -- including a final document that Firstrust deemed critical, even though it required me to travel to XXXX to obtain directly from a bank I used there for a small retirement fund provided by my former employer. Firstrust insisted that they needed proof of the small deposit into my checking account that resulted from my liquidation of this retirement fund at my repatriation to the United States. I paid dearly for the loan application in time and expense, but even though Firstrust made a serious error on the CD, they refuse to bear responsibility or cost and insist that I sign the back-dated CD so they can sell the loan. 

My family and I based our monthly budget around the payment in the loan closing disclosure and have faithfully made payments under the agreed-upon terms. In addition to the extra {$850.00} monthly, our closing costs show an unexplained increase of {$2500.00}. Had these numbers been properly disclosed prior to the closing of the loan, my family and I would have made material changes in our household budget to accommodate the additional expense. To insist now that we bear the burden of their error is grossly negligent.

Company response to consumer: Untimely response
Consumer complaint received 08/14/2015 about Credit card () with JPMORGAN CHASE & CO. (MD).
Issue: APR or interest rate

Complaint: I chose to have the entire balance of my Chase credit card automatically withdrawn from my XXXX XXXX XXXX checking bank account. This has worked well for me for several years until XXXX XXXX, when Chase 's computer apparently had a glitch and the amount that Chase withdraws from my XXXX XXXX XXXX account was {$2600.00} less than the full balance of my Chase account. Chase proceeded to charge me interest of {$72.00} from XXXX to XXXX on the {$2600.00} balance. 

First, Chase 's website is grossly misleading. Chase 's website ( see exhibit 1 ) gives you the ability to automatically pay XXXX amounts : 1 ) a minimum payment amount or 2 ) a " Blueprint '' amount. When you click on to find out what this " Blueprint '' amount is, it says " Full Pay '' as the first option ( see exhibit 2 ). To me, a college educated person, " Full Pay '' meant ( for several years at least ) that I would be paying in full my credit card every month. Little did I know that " Full Pay '' does not mean this, and instead it means that only that certain purchase categories are paid in full, see Exhibit 3 ( e.g., Utilities, Department and Clothing stores, etc ). So, I feel Chase is actively trying to fool its customers by making it seems as if Chase offers its customers the ability to pay their credit card in full every month, when in fact it does not, the typical bait-and-switch. 

Second, even allowing for Chase 's bait-and-switch " BLUEPRINT '' payment scheme, I believe that Chase should acknowledge that they made a mistake and return to me any interest charged on the {$2600.00}. As explained above, the " BLUEPRINT '' payment scheme specifies that only certain purchase categories will be paid in full. I purchased {$2600.00} worth of supplies at a department store on XXXX and XXXX ( see XXXX statement ). The purchases should have fallen under the " BLUEPRINT '' purchase category, specifically under " department stores '' category. Therefore, the balance on my credit card should have been paid in full in XXXX, Chase should have been withdrawn the full balance from my XXXX XXXX XXXX checking account, and no interest should have accrued. Chase literally can neither deny nor verify that my purchases from XXXX and XXXX were from a department store. Therefore, I can not understand Chase 's position that the purchases were not from a department store. It would seem that without evidence, Chase would need to give the customer the benefit of the doubt. 

I caught the mistake today XXXX/XXXX/2015, I paid the account in full today. When I called Chased, I talked to XXXX and then to Supervisor XXXX. They said that there was nothing Chase could do and would not acknowledge that Chase 's computer had a glitch.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-05-2017 about Debt collection (Mortgage debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: XXXX XXXX XXXX, XXXX XXXX and their subsidiary XXXX XXXX XXXX XXXX ( XXXX ) misrepresented material facts related to the excess proceeds during the hearing of XX/XX/XXXX. Specifically, when the Court asked if there are any reasons why the excess proceeds should not be paid out to XXXX, they remained silent and refused to relate XXXX XXXX XXXX XXXX XXXXXXXX and XXXX along with Bank of America, N. A. lied and represented, in writing, the XX/XX/XXXXXXXX Trust Deed had been paid off in XX/XX/XXXX. This intentional misrepresentation was made, in part, so that the borrower wold not be entitled to the excess proceeds after the foreclosure sale at auction of XX/XX/XXXX. Additionally, XXXX also misrepresented the total amount owned on the bank 's XXXX Trust Deed and intentionally left out the {$89000.00} principal reduction on an MHA HAMP amendment that becomes due at the time of default. The reason, in part, for the intentional misrepresentation of the debt owed was to lower the amount for sale at auction. Folks buy the debt associated with the Trust Deed to turn a profit. On XX/XX/XXXX, to debt sold at auction for {$320000.00}. The bona fide purchasers then sold the property - without holding title - on XX/XX/XXXX for {$420000.00} making approximately {$10000.00} in profit. If the {$89000.00} had been added to the {$300000.00} ( the amount reported owed by XXXX ) the total amount owed would have been {$390000.00}. Add in the improvement and legal costs, the profits would have been around {$15000.00} rather than {$100000.00} and most likely would not have sold at auction leaving me in my home as the bank, XXXX XXXX XXXX, XXXX XXXX and XXXX would not and, in fact, did not, proceed with a judicial foreclosure. Which is the most nonsensical thing ever ( other than tapioca pudding ) because a judicial foreclosure would have barred a California Homeowners Bill of Rights claim and litigation. 

Desired resolution would be to receive a full explanation addressing and detailing the due diligence surrounding the actions taken during the foreclosure processes including, but not limited to, pre and post foreclosure activities as Trustee and Trustee 's Attorney.

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 03-11-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have informed Equifax numerous times via online dispute, fax and certified mail that some accounts on my credit file are reporting as if I am or have previously disputed them in which is incorrect. The creditors stated that Equifax is responsible for updating their records in a timely manner after information is submitted to them. The only disputes that I have about the accounts is that they reflect as if they were or are in dispute. I have requested for the additional information to be deleted from the accounts from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Debt collection (Other debt) with NRA Group, LLC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Something showed on my credit report that has to be a mistake. XXXX XXXX XXXX says I owe money but I have n't been to the doctors in years. Why would something just no come up? My name is common so they may have me mixed up with someone with my same name. This has to be wrong.Please help 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 05/19/2017 about Payday loan, title loan, or personal loan (Installment loan) with TOWER LOAN OF MISSISSIPPI, INC. (MS).
Issue: Charged fees or interest you didn't expect

Complaint: I received several flyers in the mail from these people and a number of phone calls inviting me to apply for loan if I ever saw the need arise .. . s    XXXX   XXXX   XXXX     borrowed  XXXX  from Tower Loans to pay income tax ... was told there would be no early pay-off interest/penalty should I decide to pay it off early ... the terms were  XXXX  for 26 months ... 30 days later I paid the account off in full ... today I received a notice I still owed  XXXX  in interest for using their money for 30 days ... or 35 % ... nothing of such was disclosed during the signing of these loan documents ... these people are rip-off  artist  ... it is a good thing I did n't spread this out over the entire 26 months I would have paid additional thousands in undeclared 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 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: XX/XX/XXXX I sent a letter to XXXX XXXX ( XXXX ), XXXX  and XXXX XXXX XXXX XXXX asking them to close my accounts and list as " Closed at consumer 's request '' on my credit line as I am working with XXXX XXXX XXXX to lower payments and be debt free. My credit reports show that I am delinquent 2 months. I have never been delinquent on a payment. I was not delinquent prior to working with XXXX XXXX XXXX. I also received a collection notice from XXXX XXXX for being delinquent after sending the letters. I had a card with XXXX XXXX ( XXXX ) since XXXX and was never late. I have XXXX XXXX also with XXXX XXXX and they recently cut my credit due to XXXX. I received an approval loan in the mail from XXXX XXXX XXXX in XXXX XXXX Pa. which was preapproved. When I inquired about it I was told I could not get a loan because my credit report listed I was delinquent. My husband called them and was told that XXXX XXXX XXXX does things different. XXXX XXXX also stated they did everything legal when they lowered my credit line without warning. The bottom line is there is negative information on my credit reports that I ca n't see but financial institutions can which they are using against 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 10/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Creditors Collection Service (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had water service in XXXX VA back in 2011. In XXXX 2011 when I paid my bill I enclosed a note requesting service be discontinued on XXXX XXXX, 2011 because I was moving out of state. I left Virginia early on XXXX XXXX. I had a forwarding order in with the post office and never heard anything else from the water company. I recently discovered that I have XXXX collection accounts for that water service, both with different amounts. I disputed with the credit bureaus and requested proof from the collection agency, stating that since I only had service at XXXX location, I was concerned about having XXXX different collections. The collection agency sent paperwork which appears to show that XXXX collection account is for water service and XXXX collection account for collection fees. However, I noticed that water service was continued for almost 2 months after the date I had requested for disconnection. Furthermore, the last payment I made, placed into a water company drop box, was never credited. My deposit was also never credited. I was also never sent a final bill, so I was unable to dispute the charges for after I requested disconnection. Taking into account the deposit that was never credited and the the payment never credited, if the charges after I requested disconnect were removed, I believe the water company would actually owe me a refund. I absolutely feel the account for collection charges is wrong because if I am owed money, then how can I be charged collection fees? I do not believe the account for the balance is accurate, again because of unauthorized continuation of service and failure to credit payments and a deposit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: On XX/XX/XXXX, I discovered that my Chase checking account had been hacked and the hacking had been going on since late XX/XX/XXXX. Copies of all my statements showing the hacking are attached, along with my letter to Chase. The hacking was in the form of EFTs, or electronic fund transfers to various and numerous XXXX accounts. Please see the attached PDF. There were seven pending transactions on XX/XX/XXXX and Chase refused my request to try to stop them. As you can see from the attached PDF, those seven pending transactions totaled approximately {$10000.00}. In all, as you can verify from the attached PDF, the fraudulent EFTs totaled approximately {$180000.00}, which was a number given to me by a XXXX employee as I have been too upset to total them myself. 

I caution all my friends to check their statements, especially the Electronic Withdrawals section carefully so this does n't happen to them.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Please accept this as a formal complaint against Experian Credit Reporting. 
I am writing to dispute the following information in my credit file. I have circled the items I dispute on the attached copy of the report I received. 
This item XXXX Mortgage # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, a HELOC loan established XX/XX/XXXX with a balance of {$100000.00} shows as 'status : this account is scheduled to continue on record until XX/XX/XXXX - comments : transferred to another lender ' is erroneous because the house that I owned was short sold back in XXXX. The account should show a 'closed status ' since I longer own the property located at XXXX XXXX XXXX XXXX , XXXX XXXX ( APN # XXXX ). 

Background info : Shortly after acquiring the property in XXXX in XXXX, approximately XXXX month later, XXXX XXXX sold the servicing rights to XXXX Mortgage ( which is what shows in my credit file ). The servicing rights were sold again to XXXX in or around XXXX ( is not reflected in my credit file ). XXXX filed for bankruptcy and the remaining assets were acquired by XXXX in or around XXXX including my loan, account number # XXXX. XXXX is reporting in my credit file as the loan remains outstanding. 

I am requesting that the item be either removed or corrected to reflect the account has been closed or settled to correct the information. This error is adversely affecting my FICO. 

Enclosed are copies of the all legal and recorded documentation indicating that as of XX/XX/XXXX I am no longer responsible for this property : Copy of The Substitute of Trustee & Deed of Full Reconveyance filed XX/XX/XXXX with the County of XXXX XXXX by XXXX XXXX XXXX Copy of The Full Reconveyance filed XX/XX/XXXX with the County of XXXX XXXX by XXXX XXXX XXXX Mortgage ( XXXX ) Outgoing wire sent by XXXX XXXX Title Company to XXXX for the short sale pay off dated XX/XX/XXXX Escrow settlement statement Short sale approval letters by both XXXX and XXXXPlease investigate this matter and correct the disputed items referenced above as soon as possible.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have been the victim of identity fraud and have contacted the credit agencies about the numerous inquires listed below that were not initiated by me. the credit bureau simply states that i need to contact the creditor. When the creditor is contacted they can not provide any proof where I consented to have my credit run. further more they refer me back to the credit bureau. Im not getting anywhere and want these inquires removed from my file as they are hindering me from obtaining credit and better interest rates at the bank. 
The following inquires were not made or authorized by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief