milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/19/2016 about Credit card () with CITIBANK, N.A. (PA).
Issue: APR or interest rate

Complaint: Hi, on XX/XX/XXXX, I purchase new windows including their installations from my local XXXX in XXXX, pa ; the purchased amount was {$7900.00}. 
I choose to take advantage of the free XXXX months credit that was offered at this time ; I therefore used my Home Depot Credit card to make the purchase. The Home Depot credit card is affiliated to Citi Cards to manage credit and payments. I had built in automatic monthly payments to repay the loan. 
The XXXX months credit expired in XX/XX/XXXX ; unfortunately because I am travelling extensively and I am not as alert as a younger person would be, I let pass the XXXX months free credit period. 
When I looked more precisely at my XX/XX/XXXX statement, I was astonished to see a balance of {$9500.00}, i.e. despite XXXX months ( free credit period ) plus XXXX months XXXX XX/XX/XXXX to XX/XX/XXXX ) of monthly repayments, my balance was {$9500.00}, i.e. almost XXXX % higher than my original purchase. THIS MADE NO SENSE TO ME!! And I called immediately Home Depot/Citi Card customer service and they explained to me that when the free credit period expires not only do they start charging interest BUT do it retroactively from the date of the purchase. I told them I would accept paying interest charges from the end of the free credit period and as a show of good faith and I immediately paid {$6000.00} which I estimated would be approximately the balance from the end of the free credit period plus interests less my continuous monthly repayments. 
I send them a registered letter asking them for leniency and understanding and asked my bank to stop paying the new coming charges ; they responded by asking to call them which I did on XX/XX/XXXX. Their position had not changed and they were completely inflexible, THE BOTTOM LINE AND THE LEARNING : THE FREE CREDIT PERIOD ( IN THIS CASE 18 MONTHS ) IS NOT A FREE CREDIT PERIOD IF THERE IS STILL A BALANCE AT THE END OF THE PERIOD AND THEY CHARGE RETROACTIVELY INTEREST FROM THE START, IE THE PURCHASE DATE. 
IT IS A SMART BUT DEVIOUS, ABUSIVE AND HIGHLY UNETHICAL WAY TO TRICK PEOPLE INTO WHAT THEY BELIEVE IS FREE CREDIT AS XXXX PEOPLE LIKE ME AND I AM SURE MANY OTHERS GET CAUGHT, FORGETTING THE XXXX MONTHS DEADLINE AND OVERLOOOKING THEIR STATEMENTS AND FINDING OUT THAY ARE PAYING INTEREST FROM DAY ONE. 
THIS IS A HIGHLY DISHONNEST " CORPORATE '' WAY OF ATTRACTING CUSTOMERS INTO A POTENTIALLY VERY COSTLY ADVENTURE. 
I WOULD LIKE YOU TO PLEASE 1/ - GIVE THE LARGEST VISIBILITY TO THIS SITUATION WHICH I AM SURE IS FAR FROM BEING UNIQUE AND 2/ BE KIND ENOUGH IF YOU CAN TO NEGOTIATE ON MY BEHALF WITH HOME DEPOT/CITI CARD A REASONABLE SETTLEMENT. 
THIS WILL BE BENEFICIAL I AM SURE TO MANY PEOPLE.

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 12/28/2016 about Debt collection (Medical) with Suburban Credit Corporation (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was taken by ambulance to the emergency room in XX/XX/XXXX in XXXX Maryland. I paid for the hospital bills as well as the ambulance fees when they were billed at the time at my address. 

As of XX/XX/XXXX I am receiving calls from XXXX now that I owe {$100.00} to a doctors ' billing company. XXXX claims that the billing company could not locate my address, even though the other bills came to my address with no problem. Also, the 'old address ' that XXXX XXXX the contact at XXXX, claimed they were using to try to bill me is a totally inaccurate address pieced together from some of my prior addresses. 

XXXX filed a collections report with Equifax in XX/XX/XXXX - long before I 'd been contacted or had any chance to verify their claims and settle the matter. As XXXX explained to me - they were unable to find an address or any way to get a bill to me. There is no way a collections charge should be applied to my credit score for a charge of which I had no knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MD).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: Without explanation or legal authority, FedLoan recently increased by monthly payments by more than {$1100.00} per month. Upon information and belief, FedLoan is doing so in order to retaliate against me for reporting its unlawful practices to members of Congress and the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Mortgage (FHA mortgage) with LoanCare, LLC (MI).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX 2015 my wife and I closed on a new home. We received a mortgage through XXXX XXXX, which was serviced by LoanCare. In XXXX it came to our attention that we had not received any form of mail, phone call or email from XXXX XXXX or LoanCare. No statements or anything relating to our mortgage. 

We spoke with a lady at XXXX XXXX and she told us that our mortgage was 30 days past due and that another payment was due at that time. I explained that we never received any sort of statement, email or phone call telling us that our payment was due. She directed me to LoanCare, so I called them. 

The LoanCare representative insisted that we had in fact been receiving statements, past due notices, phone calls and emails warning us of the situation ( he was was quite rude and not interested in hearing that this was indeed not the case ). Of course I immediately made the payments but was told that my credit report now reflected a 30-day late payment. I asked the rep to tell me what phone numbers he had on my file and he read them to me. Neither of the numbers were ours, and XXXX was a toll-free number. The email address was correct, although I had never received anything from them via email. He offered no apology but said he would change the phone numbers. 

We went back to our email to see if we somehow missed a notification telling us payments were due. Nothing. In fact, the first contact I had from LoanCare via email was in XXXX after I decided to register with their website. 

Then in XXXX we finally received a piece of mail from LoanCare containing a statement with a due date of XXXX XXXX, with a note attached reading : " Please find enclosed your XXXX statement. This statement was scheduled to be mailed in XXXX, but the mailing was unfortunately delayed as a result of a programming error with the print vendor. We sincerely apologize for the delay in mailing this notice ... '' Obviously the ball was dropped on their end from the start and they are unwilling to acknowledge it. We still have not received a statement for XXXX, which is the payment they reported as 30 days late. 

We have been insisting that the blemish to our credit report be removed yet after repeated attempts LoanCare refuses. We have provided them with the evidence that the error is theirs but they do not seem to care. 

I have all of the documentation to back the statements I 've made above. Hopefully this process will result in a correction to our credit report. 

Thanks in advance.

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 04-04-2016 about Credit reporting () with EARLY WARNING SERVICES, LLC (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I CALLED MANY MONTHS AGO TO HAVE A COPY OF MY CREDIT REPORT SENT TO MY HOUSE BECAUS I WAS DECLINED A BANK ACCOUNT DUE TO XXXX REPORTS. I WANTED TO SEE WHAT WAS ON THE REPORTS THAT HINDERED ME. I HAVE CALLED TO NO AVAIL MULITPLE TIMES AND STILL NO REPORT HAS MADE ITS WAY TO ME. NEXT STEP IS A LAWSUIT IN VIOLATION OF THE FAIR CREDIT REPORTING ACT. PLEASE HANDLETHIS PROMPTLY! MY NAME IS XXXX XXXX D0B XX/XX/XXXX AND THE LAST FOUR OF MY SOCIAL ARE XXXX. IF YOU HAVE ANY QUESTIONS PLEASE CALL ME T XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Other

Complaint: I purchased a jewelry item in XXXX XXXX, XXXX for XXXX XXXX XXXX XXXX, XXXX in XX/XX/XXXX, but Capital One posted it to my account on XX/XX/XXXX for an amount of {$2400.00}. As a result of this I lost US {$100.00} because of the conversion since the XXXX currency became stronger. When I called them to complain about it after noticing the transaction the first time in XXXX they said I should talk to the jeweler. The jeweler said that they had sent the transaction to Capital One immediately. When I called Capital One today I was told that they would do nothing to reimburse me for my loss in the conversion. I first talked to an agent who said he could not help. Then I asked for the manager and she was downright rude and unpleasant. I seek the help of CFPB for investigating this matter and recovering my compensation. 
Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-02-2016 about Debt collection (Medical) with Phoenix Financial Services LLC (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I owe the amount of {$770.00} to XXXX XXXX XXXX XXXX since XXXX XXXX, XXXX. Phoenix Financial Services LLC ( phoenixfinancialsvcs.com ), a Collections Agency, recently acquired this debt and they have done a Negative Re-Aging of this debt with all Credit Reporting agencies, by reporting it as a new debt in XXXX of XXXX. This is an illegal practice.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: Cash advance

Complaint: I have a cash advance balance on my credit card with an extremely high interest rate. I pay more then the minimum every month and per my statement anything over the minimum is to be applied to the highest APR. Last month I paid the minimum and then made a lump sum payment equal to the amount of the cash advance to get rid of it. Bank of America applied only {$500.00} to the cash advance and the remainder to the lowest APR balance. I went back over the last years statements and they have done this every single month causing my cash advance balance to skyrocket with interest while never allocating any of my payments to that higher APR.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I found out I was a victim of identity theft, after going to obtain a mortgage. When I realized this I immediately reached out to the proper authorities, filed an FTC Affidavit and continued on with filing a Police Report at my Local Police Department. I sent XXXX, XXXX and Transunion certified mail on XXXX/XXXX/16 listing the negative accounts and address that showed on my report. As of today XXXX/XXXX/16 ( even though the these items are listed in my Police report explicitly ) the fraudulent address and accounts are still listed. This violates section 605b of the FCRA and Section 623a ( 6 ) b. Stating specifically that this information is to be blocked within 4 business days upon presenting a valid Identity theft report. It has been over 120 days, and still XXXX and Transunion willingly choose to violate the law set forth to protect people who have gone through my situation.

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 09/28/2017 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: Investigation took more than 30 days

Complaint: I sent a investigation request to Equifax and XXXX XXXX on XX/XX/XXXX. Well over 30 days have passed, and I still do n't have a response back from either.

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I sent a letter requesting removal/deletion of erroneous hard credit inquiries. I used the addresses as published on my personal TransUnion credit report. The mail comes back " not deliverable as addressed- unable to forward. '' If TransUnion is publishing fictitious addresses, how am I able to have the inquiry deleted? I have had this problem with the phone numbers that are published as well. Please advise! Thanks in advance!

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 05/31/2016 about Consumer Loan (Installment loan) with Ditech Financial LLC (OR).
Issue: Managing the loan or lease

Complaint: Due to new information I 'm submitting a new issue. This loan was paid off at close of escrow as shown in the settlement document, however, the lender is n't counting it as being paid. My belief is that in the XXXX+ years ago when this was recorded the lender accepted the payoff and then its doors closed. The other case i have open with you is:XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: According to the statute of limitations in my state, this account should not appear on my credit report as they have been on there for 13 years. Please remove them from all three credit reports. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Roundpoint Mortgage servicing changed my monthly mortgage payment amount based on an escrow analysis they said they performed but never sent. Although they have my email address and notified me of a late payment via this email address they did not send notice of the change in monthly mortgage payment. The payment I made was {$54.00} short of the new amount so they " held '' the monthly payment without notice and did not apply to my account. This seems to be done in an underhanded and secretive manner to incur late fees

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 09-09-2015 about Mortgage (VA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I received someone else 's auto draft authorization request with their attached voided check on it in the mail. It was mixed in with the company 's correspondence to me.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Credit card () with CITIBANK, N.A. (FL).
Issue: Billing statement

Complaint: I had a charge on my Home Depot account for {$15.00} in XXXX. I changed my email address on XXXX XXXX to my new email address. Apparently it did n't go through as I never received any email statements for the {$15.00} and forgot about the charge. I noticed my credit score went down and found that Home Depot had me listed as unpaid for XXXX and XXXX 2015 w/ accrued late fess. I called them and they had my new email but could n't verify they sent my bill to the new email address. I spoke to an account rep. named XXXX who said they could n't do anything about sending the derogatory credit to the credit bureau which dinged me nearly XXXX points for a bill I never even received plus late fees. I never received a bill from them!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/20/2016 about Credit card () with WELLS FARGO & COMPANY (MD).
Issue: Arbitration

Complaint: Wells Fargo bank refused me credit card XXXX. 

I have credit line for over XXXX $ using only XXXX-XXXX % of revolving at any time with several other banks.I have perfect repayments record. I felt odd when the conversation happened where they asked me to send a copy of my 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 05/21/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Deposits and withdrawals

Complaint: On XXXX/XXXX/15, I deposited a {$5000.00} check using the Bank of America mobile app. I received a notice that the money would be available that day to cover checks and the next business day for cash withdrawal. Later that day, I scheduled a credit card payment to XXXX for {$4700.00}. The next day I received a notice telling me that the funds were going to be held and they would not be available. I then received a notice telling me that my account was overdrawn because they had held the deposit funds and deducted the credit card payment. Next I received a notice stating : " There were not enough available funds in your account to cover the transactions listed below [ {$4700.00} ] as of the date of this notice. Your account balance was {$5500.00} after we processed these transactions ; this includes fees shown below ... Check Number/ Debit Type - Electronic payment. Amount - {$4700.00}. Action Taken - Returned. Fee Charged - {$35.00}. " The absurdity of the above is clear just from reading it. The bank told me the funds would be available on a certain date, changed that date, and refused to cover the check based on that date. Furthermore, even their notice makes no sense. They returned a check for an amount less than the balance they provided in that same notice. The bank has since refunded the {$35.00}, but their behavior is unethical and caused damage to my relationship with XXXX Bank due to the returned check and may result in a returned check fee from them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: Capital One is charging interest to accounts after a balance has been paid in full. When I tried to rectify this with Capital One they said that is their policy and that customers need to call in before paying off a balance. Nowhere on their website or statement does it inform customers that they need to call in before paying off a balance. In addition they state that your account has to have an offer before any interest can be waived which customers are also not informed of.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Delinquent account

Complaint: I opened account with Capital One for credit card then was closed six years ago. a fraud occur to my account last year and Capital One have reported delinquency on my account bringing my credit score to a very low score preventing me from getting loan to purchase a home. Capital One claiming it is a mistake and will be resolved waiting 60 to 90 days. This delay will cause me losing my deposit for {$48000.00} with the home owner. Your help is appreciated to resolve such issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/30/2017 about Debt collection (Credit card debt) with Pollack & Rosen, P.A. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Company is attempting to sue me for an account with XXXX XXXX that was due to Identity theft. I sent numerous letters to XXXX XXXX to validate the debt and nothing is being provided. I also sent Affidavit along with police report filed in 2016 about these unauthorized accounts they are attempting to collect on and still no response or attempt to clear this matter up on there behalf. I need to have this stopped and deleted from my credit report so I can get back to my basic life and not worry or have to deal with this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Consumer Loan (Installment loan) with JPMORGAN CHASE & CO. (IN).
Issue: Problems when you are unable to pay

Complaint: My wife and I acquired a home equity loan in XX/XX/XXXX, the payments of which were on an automatic deduction at a specified date of each month. The last payment in this cycle was current at the end of XX/XX/XXXX. In XXXX of this year, I stopped the deductions from my primary account which raised the interest rate the loan was figured with. By XXXX, this note was six months delinquent. I was blessed with spousal support to help remedy three months of payments. A total of 3 months payments, combined with 3 months of late fees was paid. The lending institution credited the account with an amount of one month plus {$57.00} of the second month, the balance left from that was taken for interest charges, no credit issued for late charges. Is this fair?? On XXXX occasion, I questioned them about why the interest payment credited was more than the interest payment of the previous month, they just gave me the runaround about it, their answer did not set well, as I knew I was being cheated into paying more than the loan was for. The accounting method used by this bank, as well as others, needs to be explained every month to the borrower as to how the payments are calculated. I know they will get their interest first. The loan originated at 6.9 % ( .069 ), the interest on my primary account, the bank was paying me was .01 % ( .001 ).

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: Equifax - I provided Equifax with proof of a Tax Lien withdrawal. Equifax sent 1st notice stating that it did not exist. I again disputed the item and received a notice that it has been deleted. The item still remains and after 2 additional attempts to have the item removed.

Company response to consumer: Closed with explanation