milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-04-2017 about Credit card () with U.S. BANCORP (PA).
Issue: Convenience checks

Complaint: I made a minimum payment to a credit card as well as a {$3000.00} payment to pay off a promotional balance of XXXX that was expiring on XXXX. The credit card company informed me the prior month that I had a promotion expiring and that I needed to pay it off in full to avoid interest charges. When I attempted to do that it was not applied to the balance expiring and when I called to ask them to change it they said that I had agreed to this in the terms when I accepted the promotional rate. The {$3000.00} payment was applied to a promotional balance expiring on XXXX. In addition none of my payment was applied to a purchase balance of XXXX that is accruing a minimum interest charge of {$2.00} 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 monetary relief
Consumer complaint received 12/28/2017 about Debt collection (Auto debt) with PRESTIGE FINANCIAL SERVICES INC (NC).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Prestige Financial Services has repeatedly contacted me, my family, my coworkers, my past employer regarding a auto loan. 
I surrender the vehicle back in XXXX of XXXX because the car mechanical issues that I could not afford to repair, it was best to surrender the vehicle before it was repossessed. These people have continued to contact my previous employer as well as family members on multiple occasions. They have also continued to report the debt on my credit report inaccurately every month they change the reporting date to the current month as the original reporting date.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Debt collection (Credit card) with American Credit Resolution, Incorporated (NY).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I am writing this due to Illegal Activity done by American Credit Resolution , Inc. This activity started on Thursday XXXX XXXX 2017. My husband and I have XXXX recordings of threats that I will be served and arrested along with several other FDCPA violations. This also includes speaking and providing and disclosing personal information which include my personal email address, my SSN and DOB, with people without verifying whom they are speaking with. They have also called my in laws and disclosed personal information to them. They have also sent out this information to the email address XXXXXXXXXXXX without verifying that it belongs to me or my husband. I have detailed 4 of the calls that have been recorded with the violations that my husband has found since he was the corporate trainer for XXXX. The reason I am reporting this because I would like to give the company to correct their actions and give them a chance before I hand these recordings to a consumer law attorney for review. I will like to settle this account out for {$300.00} with the debt being taken off of my credit report. I would also like an apology from the company apologizing for their wrong doing. At no time did they state they were debt collectors and that any and all information would be used for that purpose. I will pay the {$300.00} with a debit card to settle the account out and I will like to have a PIF letter within 24hours emailed to me and a hard copy sent in the mail. We have requested several times for a Full detailed validation of debt by mail including the invoices of the transactions. ACR Inc has failed to provide this each time. There are so many violations of the FDCPA in each call. We have received several calls a day form ACR in the hours that we stated we could not receive calls. Also we have been texted several times from ACR stated our payment was declined and did n't go through when no payment was ever set up. I want to make sure that the collection agency is aware of this and hopefully they can provide better training in the FDCPA. These agents in the phone calls are why they collection industry have a bad rapport.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Debt collection (Other debt) with Conn's, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I entered a retail contract with XXXX 's appliances in XXXX of XXXX. I made monthly payments in the amount of {$410.00}. On XXXX XXXX XXXX, I received a payoff amount of {$1600.00}, which was paid in full on that date. I never received any notification of the account being paid in full and closed, although it was requested multiple times. In XXXX of XXXX, XXXX 's began reporting to all XXXX credit bureaus that my account was delinquent 90+ days, even though the account had been paid in full in XXXX of that year. In XXXX of XXXX, after multiple disputes, XXXX 's agreed to settle and close the account and remove ALL negative remarks from all 3 credit reporting agencies. XXXX 's appliances has reported that the account is closed, but has not removed any of the fraudulent prevaricating negative connotations on my credit report. These negative marks are diminishing my credit worthiness and need to be removed immediately as previously promised.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (RI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Equifax mishandled my personal information including Name, Social Security Number, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017. Equifax confirmed I was affected by this breach per their " Potential Impact '' site www.equifaxsecurity2017. 

Equifax put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. Equifax is further attempting to capitalize on its gross negligence by encouraging injured parties to register for " trial periods '' of their ID protection services, defrauding these injured parties with hidden subscription fees that are imposed after the trial period expires, as well as with terms of service that waive customers ' rights to sue the company for criminal negligence/fraudulent behavior. 

I demand that Equifax rectify its gross negligence through the following actions : 1 ) Permanently waive all fees for placing and removing security freezes on credit reports.
2 ) Issue full refunds to all individuals who purchased security freezes from credit reporting firms following this data breach.
3 ) Permanently waive all fees for placing or removing fraud alerts on credit reports.
4 ) Issue refunds to all individuals who purchased fraud alerts from credit reporting firms following this data breach.
5 ) Enable individuals to place permanent fraud alerts on credit histories at no charge, instead of limiting fraud alerts to 7-year periods.
6 ) Issue unique Personal Identification Numbers ( PINs ) to individuals who request security freezes on credit reports, instead issuing PINS that are actually easily replicated date stamps in the format of MMDDYYXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Debt collection (Other debt) with AFNI INC. (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX bought a 3 year old debt from XXXX XXXX and reaged it as a new debt dated XXXX2017, I have disputed it but the credit bureau said it met the fcra regs.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Consumer Loan (Vehicle loan) with Mid-Atlantic Finance Co., Inc. (TN).
Issue: Taking out the loan or lease

Complaint: My daughter bought a car from a buy here pay here lot called XXXX XXXX XXXX in XXXX, TN. in which I was told that I should sign on so that her payments and insurance would be much lower. After having the car for approximately XXXX weeks I began to get collection calls from Mid Atlantic Finance. I explained to the representatives that I did not have a contract for a automotive loan with them and neither did my daughter. The representative told me that they now owned the vehicle that my daughter had been paying XXXX XXXX XXXX for. They said that XXXX XXXX XXXX had sold them ownership of the car and that we needed to send them {$900.00}. I explained to the representative that until I received copies of the contracts and had agreed to them I was not sending them any money, because the {$900.00} worth of payments had been paid to the original lender. After that my daughter and I began to be harassed by phone continuously. No contracts where ever sent to me or proof that they owned the car or car loan. We contacted XXXX XXXX and was told that they thought it was okay to sale the loan to Mid Atlantic. They also stated that all payments had forwarded to Mid Atlantic and we should not be behind at all on the payments. Approximately a week later our daughter went to stay all night with a family member. The vehicle was pulled into a gated and locked fence on the property, but when she got up the next morning the gate was cut open and the vehicle was gone. When the police was called they told us the vehicle was repossessed by Mid Atlantic Finance Company and that we should make contact with them. When we contacted them we where told the car was already taken to the car auction in XXXX, TN. and would be sold the next day. We have only been contacted once since then with a letter telling us that we still owed approximately {$4000.00}. I have requested by certified mail a copy of any so called contracts they have or for them to remove this debt from both my and my daughters credit reports. I have never received any proof that this debt is owed to them or that I signed any contracts with this company. I was also told by XXXX XXXX that selling without knowledge was something they have done for years.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/16/2017 about Debt collection (Other debt) with MERCANTILE ADJUSTMENT BUREAU, LLC (WV).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: A debt collection agency. MERCANTILE ADJUSTMENT BUREAU, has placed a collection on my credit report in the amount of {XXXX}, to be reporting until XXXX, last updated XX/XX/XXXX. According to the WV state tax department, as of XXXX/XXXX/XXXX they are NO LONGER LICENSED to collect debt in my state. When called on, they sell debt to a sister company.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PR).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: Equifax is blocking my credit report, I tried to do business with XXXX, XXXX, XXXX and they report that they can receive any information from Equifax, also my credit monitoring agency, privacy asset ca n't retrieve information from Equifax since twoyears ago. I called, wrote and try to solve the problem and always tell me that there is no problem, and unhelpful answers like I have no lock or freeze or sending me credit report when I just ask them, with all the documentation to give me a solution to the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with NAVY FEDERAL CREDIT UNION (WA).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: Navy Federal Credit union does not want to connect with XXXX XXXX account. If tells me my login info is incorrect but it 's not

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: THE CREDIT REPORTING AGENCY   XXXX  ,  XXXX   XXXX  AND EQUIFAX WILL NOT INVESTIGATE OR REMOVE THE ACCOUNTS LISTED IN POLICE REPORT OFF MY CREDIT FILE

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I am contesting the account with SYNCB/CHEVERON DC. It is an account that was opened without my consent. It is showing a balance of {$440.00} with a {$250.00} credit limit. XXXX is stating on their report that it is even late and over the limit with a 176 % usage. I need XXXX and SYNCB/CHEVERON DC to correct this account on my XXXX report. I should not owe SYNCB/CHEVERON DC anything since the account was opened and used without my consent, and I have been a victim of idenity theft. Please correct this on my XXXX report it is showing negative remarks. I am trying to refinance my home a I can not until this is removed from XXXX Report and corrected. Please remove. It has been corrected on my XXXX and XXXX  reports, too.

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 08/14/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (AZ).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: On XX/XX/XXXX I checked my balance from my Chase App and it showed I had just over {$50.00} remaining in my account. This was perfect for what I needed to get done, so I went to the grocery store, gas station and verified I 'd have enough. So when I check my account balance Sunday XX/XX/XXXX you can imagine my shock that I have 3 NSF fees and another on the way for a total of {$130.00} and this is all for about {$27.00} worth of charges. To say this is excessive is putting it mildly. The company also has reps in customer service that do not care or want to help, they are rude and robotic following a script and clearly not allowed to hear any " excuse '' for overdraft. The bottom line is that I look at my balance and if there is anything pending from debit I would think it would reflect that, in this day and age how can it not? I don not feel I should have to pay the bank {$130.00} for {$27.00}!

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-06-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with IMPAC MORTGAGE HOLDINGS, INC. (CA).
Issue: Credit decision / Underwriting

Complaint: We received solicitation from our mortgage lender Impac to contact them regarding extending our loan modification We called were sent an application and submitted all requested documents. We then received a letter stating that the Loan Modification had been approved on XXXX XXXX, 2015. We signed the letter agreeing to the terms and were told the documents would be delivered within 1-3 weeks. We called Impac and emailed several times as documents were never received. We were told that there was a back log at the servicer XXXX and to wait. We were then called and advised that XXXX was caught up and wait. Then we were told that in order to get the documents we had to apply on the XXXX web site and to submit the approval with the documents and they would push the file through based on the approval. We did as instructed with XXXX who kept asking for the same documents over and over stalling the process and submitting the file under programs we never requested. We attempted to reach Impac several times with no return calls. Impac then stated that the approval was not an approval it was a proposal even though the document does not have that listed anywhere it clearly states " Approval '' Impac is doing a bait and switch here. Also XXXX then suggested we do a short sale which we have found is a clear violation of the Home loan Bill of Rights as a short sale can not be suggested after an loan approval has been granted. To date we have no loan documents for the approval of our loan modification. The approval will be attached.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-11-2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (KS).
Issue: Loan servicing, payments, escrow account

Complaint: On or about,XX/XX/XXXX, My husband and I, bought our first and only home through XXXX XXXX Mortgage XXXX XXXX , Ks . With interest rate of 9.4 %, 30 year loan, last payment to be, XXXX/XXXX/XXXX. Amount financed {$40000.00}. Then on or about XXXX to XXXX, XXXX XXXX Mortgage took over our loan. Beginning balance of {$41000.00}, interest rate 9.4 %. Then on or about, XXXX to XXXX, XXXX Mortgage took over our loan. At this time I believe the loan was modified and interest brought down to 8.5 %. Then on or about, XXXX, Aurora Loan Services Inc. took over our home loan. During the time with Aurora the loan was modified to Interest rate of 6.0 %. Then on or about, XXXX to XXXX, XXXX loans took over our loan. With interest rate remaining at 6.0 % as of XXXX/XXXX/XXXX. Balance of {$37000.00}. Then on or about, in XXXX XXXX XXXX XXXX took over our loan, principal balance, {$40000.00}, interest rate 6.0 %. Then on or about XXXX, to present, NationStar mortgage took over our loan. With interest rate remaining 6.0 % and principal balance of {$32000.00}. 
I have made attempts at investigating with, XXXX, XXXX XXXX XXXX, and Nationstar, asking for explanations of how our loan beginning in XXXX to currently XXXX, ( which is approximately 23 years ), could have a balance of {$32000.00}. Meaning we have only paid {$8100.00} in 23 years? But no one is willing or able to investigate our loan thoroughly for accuracy of our payments and credit for those payments. Unfortunately, we were ignorant to believe that banks do n't make mistakes, and we should have balanced our loan payments like we balance our check book. Although, we may have had some life events that caused our less than perfect credit, this loan still makes no sense because I am certain that had we only paid {$8100.00} to our principal balance in 23 Years, we would not still have our home. We are current on our payments as well.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX has my account showing written off {$280.00} my account has not ever been in collections or written off by XXXX XXXX. 

I contacted them in which they stated there was nothing written off nor is there any balance to this account or nothing showing written off. 

they mail me a letter stating there is no balance nor does the account ever show late or ever in collections at no time that the account was open.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Recently my bank XXXX XXXX XXXX check my credit report in order to give mea loan for a house and appear in the report a bankruptcy.I never declared bankruptcy

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Other

Complaint: I have had a secured card with XXXX XXXX for almost a year now trying to rebuild my credit and have paid it off on a monthly basis with no issues. It has always been my impression that you have a 30 day grace period after your statement date with a credit card. I recently decided to get a new credit card with a {$1000.00} limit from Capitol One who would n't stop sending me offers in the mail. This particular offer said 0 % interest for 9 months and I also remember seeing this on the info when I received the card. I received my first statement showing a balance of {$320.00} on it, just over the 30 % mark that I try to shoot for. After about 3 days I paid {$320.00} dollars on it thinking I will pay a small amount of interest on the remaining {$5.00} once my next statement hits ( which I heard will help your credit even more ). Once he next months statement drops I see that because I left a whopping XXXX $ on there and did n't pay it off in full they decided I did n't get a XXXX grace period and so I did n't only pay interest on the XXXX $ but I also paid interest on the full {$320.00} for the few days I had that balance after my last statement dropped. The biggest problem is that they have a financial term for this it is called residual interest and it is a ridiculous sales practice so now I am stuck with this credit card that has 25 % interest ( ridiculous in the first place should be XXXX ) and I feel like I have to pay off in full the day after my statement drops.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Payward Ventures Inc. dba Kraken (CA).
Issue: Money was not available when promised

Complaint: On multiple times I tried to transfer USD funds from my Kraken account to my bank account. For two weeks XXXX is claiming that it is possible while it is not. Furthermore today I tried to transfer ZEC funds to a different account. This was taking a long time so I cancelled the transaction. The funds from cancelled transaction were never returned to me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation