milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (MA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I have contac ted discover be cause I realized I am still being billed for payment protection each month. I enrolled in auto payment and paperless billing. I do not use this card for purchases and use the app to confirm my payment went through and see the balance going down each month and never up. But apparently th ey are sneaking in payment protection. I called them and they offered me the max of a six month credit. I did research online and saw there was a law suit about this that was settled and that Discover had  to notify the customers and refund them. The woman tonight on  XXXX   XXXX  informed me their policy changed in  XXXX  and I no longer qualify for the full refund only th e six month. When I asked why I was not informed she mentioned they mailed it to me which I never received! I asked for a copy and they said the copies are property of Discover and I am not allowed to see this but to be assured it was sent. Why would I ignore this and wait until now to call about it? Of co urse I would want a refund asap!     I have been billed hundreds of dollars a year even recently and have not been refunded for these fees and I never signed up for this or have been explained the fee or agreed  to it. One woma n said since  XXXX  I signed up then the othe r one si nce  XXXX  and I said how I did n't open my account until  XXXX . I am only trying to get a refund of atleast  XXXX  to current. I was never informed of the lawsuit and was never offered any refund and one was never applied to my account previously. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 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: I attended XXXX XXXX University in XX/XX/XXXX. My loan was for XX/XX/XXXX/XX/XX/XXXX I never attended XXXX XXXX in XX/XX/XXXX I was enrolled but never attended so I dropped the classes but the university still received my financial aid money. I was not a student there in XX/XX/XXXX. Which means I should not owe this company the funds they say I owe them. Then with further investigation this company has not truthfully reported the correct date of my first delinquency to them. They say the last payment I made was in XX/XX/XXXX which is false. They are reporting the wrong dates the credit bureaus and this account is past the time of the 7 years reporting period. The dates and payment times are incorrect and the financial aid money that I never used should have been returned to this lender, I am responsible for paying for services that were never rendered. Where did this money go? I never received a disbursement from this school but on my loan it stated that i received one.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Credit card () with JPMORGAN CHASE & CO. (NJ).
Issue: Balance transfer fee

Complaint: The credit card company did not give fair warning that my balance transfer intere4st free period was expiring.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (CO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I hav e a Kohls account that I always paid on time when it was due but one month t hey never sent me a bill and so i did n't know that anything was due that month. When they called to inquire about the payment I paid them right when I found out anything was due. The next month I noticed that they had put a late payment of 30 days on my report. This was not 30 days late and nor was it my any doing of my own. They erroneously put me on a paperless billing and my bill they sent me went to my spam folder so I had no way of knowing that they were billing me. This is why I always get the bill through the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Payday loan () with CHECK INTO CASH INC. (CA).
Issue: Received a loan I didn't apply for

Complaint: I 'm being harassed my a collection agency They threatened me with jail time warrant for my arrest My husband called and and they called me a thief a liar and could not do a debt validation to us They tried to get us to wire {$1100.00} and the collector kept yelling at us and did n't let us talk to resolve the situation and she hung up on us as she threatened with felony warrants and charges The collection agency is XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/28/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Account opening, closing, or management

Complaint: I received my bank statement from bank of America on a XXXX that I recently opened. This card was supposed to help rebuild my credit. I put {$500.00} on the card. When I received the statement there was a {$39.00} annual fee that I was not informed about when I opened the account and a {$10.00} bank transaction fee? I called and spoke to several people as I kept getting transferred. First I 'm told I could have it waived. Then I 'm transferred to the wrong department and then told no it can not be. And no one could tell me where the {$10.00} transaction fee came from. I closed all my accounts. Horrible customer service. No wonder they 're listed as XXXX of the worst banks in 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 06-08-2017 about Mortgage (Conventional home mortgage) with Seterus, Inc. (CA).
Issue: Struggling to pay mortgage

Complaint: I. DISPUTE Case No. XXXX 1 ) Seterus Inc. 's response of XX/XX/XXXXwas not followed by more information but says, in regard to providing a " single point of contact '' that they may assign a " team '' as a single point of contact rather than any one individual. The problem with this response is that they have yet to identify any such " team '' by name or code number, so all correspondence, calls, emails, faxes, go to n o identifiable person, and I never know who should receive or has received my communications ; i.e. they still do not follow the single point of contact practice for all practical effect.
2 ) They also say ( page one of their letter to me ) their enclosed Account Statement incorrectly detailed the monthly installment of {$1600.00}. But they do not seem to say how they rectified the error.
II. New Issues : 1 ) Seterus ' practice is to charge a late fee when a payment is received after the XXXX of the month. But my XXXX payment, which was mis-routed by the Post Office to Tennessee, still arrived by XX/XX/XXXX according to the certified mail receipt they signed. They said they would look into the issue but have not yet acknowledged their overcharge as of XXXX today.
2 ) Seterus has not remitted my property tax refund : As a low income/XXXX/senior citizen, I was granted a Property Tax Postponement. However, I have been paying my property taxes as part of my loan payment to Seterus. The XXXX XXXX County Tax Collector/Treasurer, which was paid my taxes by the California State Conroller, did not repay me but instead paid Seterus, so Seterus was paid TWICE, by me and by the county. My tax situation is supposed to be a " WASH '' so i do n't owe but am not shortchanged. But if I sold now, i would have to repay the state, and I already paid Seterus, so I would be paying TWICE, Seterus is getting PAID twice. That refund should be going to me so that there is a wash.Instead, i have been using the tax payment money that I was not supposed to pay, to pay for my bills and basic needs. So Seterus needs to repay me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/17/2015 about Credit card () with TD BANK US HOLDING COMPANY (MN).
Issue: Late fee

Complaint: I signed up for eBilling and and set up automatic bill pay on my Target REDcard XX/XX/XXXX. My monthly bill was due on the XXXX of the month and I set the electronic payment to be sent one day before the due date. Beginning XX/XX/XXXX every month my bank sent electronic payment the day before the due date, Target received the money and waited 4 days to post it to my account and subsequently charged late fees that escalated from {$25.00} up to {$35.00}. For approximately 21 months consecutive months, I was charged a late fee and interest despite making payment in full. After I finally noticed the charges, I attempted to work with Target REDcard. They offered to credit XXXX fees, but when I said that would n't be sufficient and asked to close my account, they first would not do it and then just hung up. Eventually, I was able to cancel the account. 

I then talked to my bank and they pulled records indicating the payments were made in a timely manner and attempted to resolve the issue with Target. My bank called Target REDcard and asked " If we provide proof that the payments were made in a timely manner, will you reverse the late charges? '' The REDcard rep seemed confused by the idea and my bank 's representative asked where she could send information proving the payments were made on time. After being put on hold several times, the REDcard rep just disconnected the call. 

I acknowledge that I should have verified that Target was attempting to steal money from me much earlier in the process and quickly discontinued doing any business with them, but my incorrect assumption that they were acting in good faith does not give them permission to scam me out of {$700.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/16/2015 about Mortgage (FHA mortgage) with OPEN MORTGAGE LLC (TX).
Issue: Application, originator, mortgage broker

Complaint: Back on XXXX/XXXX/15 we received a full price offer on a home I am selling for my clients. The Buyers Agent submitted to her lender of choice, XXXX Mortgage of XXXX Texas, and we completed all steps to close the loan on XXXX/XXXX/2015. As, of today we have heard multiple lies and received multiple emails confirming the lies they have told both the Buyers Agent and I, XXXX. Today on XXXX/XXXX/2015 we heard the truth. XXXX Mortgage and her team have not submitted to USDA for approval nor received any reason this file would not be accepted. The XXXX team is very unproffessional and has done the same thing regarding another file last year. However, last year they stated the reason the file was not completed in time was because the processor committed suicide. I did end up closing that file three months later with XXXX. XXXX herself called me on this file I am speaking about and said this was a clean file and the actions last year are resolved and she has a whole new team and that I should not worry. Well two months later we are not closed and do not have a close date in sight. I want to make sure she is reprimanded fully.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
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: on all XXXX credit bureaus they have a negative report from XXXX which states i owe {$510.00} to XXXX on behalf of XXXX. The problem is I resolved the debt directly with XXXX. we agreed on payment of {$180.00} XXXX which I paid XXXX and XXXX allowed me to resume services once I paid the {$180.00}. I have informed all XXXX bureaus that 1. I never received a bill from XXXX and 2. I settled the debt directly with XXXX for {$180.00}. The bureaus claimed they investigated and still found in favor of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I originally applied for a Deed in Lieu in XX/XX/XXXX.  I was denied in XX/XX/XXXX because I had a XXXX mortgage.  The XXXX mortgage was disclosed on the deed in lieu application and is even serviced by the same company as the primary mortgage.  This all seemed like a delaying tactic.  In XX/XX/XXXX, I received a notice that the XXXX mortgage had been written of in XX/XX/XXXX.  I reapplied for the Deed in Lieu in XX/XX/XXXX.  I am still seeing delaying tactics from the mortgage servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: this fraudulent account that was removed/deleted in XX/XX/XXXX was reinserted on XX/XX/XXXX from transunion. Transunion failed to notify the reinsertion of this account within XXXX day.s

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Credit card protection / Debt protection

Complaint: My husband and I have a joint credit card issued by Chase. Over the past several years the card numbers have been repeatedly stolen by thieves who have access to Chase 's data. The numbers are then used to make fake credit cards to purchase things all over the world. We were told this by Chase customer service representatives. Over at most XXXX years this has occurred on eight separate occasions, most recently XX/XX/XXXX. Each time Chase blocks our account ( because of " suspicious activity '' ) and we find out only when a credit card charge is declined which is quite embarrassing. This then requires us to call Chase, go through a lengthy phone interview and identity verification, receive a new card, update all online bank payment information, etc. 
Finally, after the XXXX time, I wrote Chase requesting compensation for this because it is clearly a result of Chase 's lax security - no other bank 's credit cards ever are blocked in my experience. A letter dated XXXX XXXX was sent to Chase regarding this request ( attachment ) but other than several phone calls promising a substantive response and an email from a XXXX XXXX, no substantive response has been. I have made several calls to XXXX XXXX and sent him an email saying that no response has been received. As of today, XXXX XXXX, nothing further is apparently forthcoming.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: My Twin Brothers name is showing on my reports, such as when i purchased my home and when i recently got home security installed

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Debt collection (Credit card) with GRYPHON CORP. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Just started to receive letters from Credigy, in the letter they stated that I still owe a credit card back since XX/XX/XXXX, I think it 's a credit card which I had from imagine fro which I paid off since XX/XX/XXXX. it was such a long time ago now these people say that I owe XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Consumer Loan (Vehicle loan) with BBVA COMPASS FINANCIAL CORPORATION (OK).
Issue: Managing the loan or lease

Complaint: On and about   XXXX   XXXX   XXXX  , I called my financial lender for an extension for my car payment before the note was due ( which is the  XXXX  of every month ). I was advised that it will cost me approximately {$95.00} to put the payment on the back end of the note and no interest would be charged for doing so. The representative advised, " We can do  two  notes if I would like, most of their customers choose this option to give them a little breathing room to get caught up with things. '' I agreed to have  two p ayments placed on the back end instead of  one. T he process took them around 45 days to complete and in the meantime I continued to receive calls regarding my payment due to the automated service.   The payment extension cost me {$2000.00} instead of the {$95.00} I was originally quoted. My interest is supposed to be a fixed rate of 10.93 % for a {$26000.00} car. They ended up charging me {$9800.00} in interest, the  two  car payments that was supposed to be on the back-end and plus the  two  car payment we requested to be put on back end of the note. If we had know that the interest rate was going to change and I was going to be charged an additional {$9800.00}, we would not have requested the notes be added to the back end.   In the beginning my notes was split between the principal and the interest and since this situation most of my note goes toward the interest with little to no money being applied to the principal in some cases none of it. My payment from   XXXX   XXXX   is missing which I clearly made. They also informed me that I did not owe a car payment for   XXXX   due to the extension and when I called to confirm I was continuously advised of this fact. I received no calls all month long which was suppose to happen according to them due to their automated service. At the end of the month, I received a phone call asking for the payment for the month of   XXXX  .   I have tried to resolve this with my lender and spoke to  seven or eight  different representatives a day and supervisors with the promise of a resolution. The lender would never return my phone calls. I have requested them to listen to the recordings of my call when I was provided this information and they have refused.   My interest on my car change every month along with the amount being applied to the principal. They advised me it is due to the number of days in the month and that their bank does not withdraw the payment on the   XXXX   when the payment is due and my automatic draft is setup to do cause my interest to change depending on when they decide to take it out.     Please review this information and help me with this matter. I am now  upside  down on my vehicle and stuck paying an outrageous price for this car.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Mortgage (Conventional fixed mortgage) with American Financial Resources, Inc. (AZ).
Issue: Application, originator, mortgage broker

Complaint: I am applying for a XXXX year fixed rate mortgage with eLend also doing business as XXXX. On my original loan estimate that I received and signed the total cash to close is {$1900.00}. I received the updated closing documents showing the new closing cost of {$4600.00}. I have made multiple attempts to contact eLend and resolve this. I am unable to reach my loan processor or a team lead. I have only been able to speak with sales XXXX who has explained to me that there have been changes to the escrow withholding in addition to the title work and that is what is causing the change. The entire point of the loan estimate is to protect the consumer from bait and switch and in this instance that is exactly what is happening.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Debt collection (Non-federal student loan) with Financial Business and Consumer Solutions. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was told that they would settle for a certain amount and every time they tried my bank would not approve the transaction or I could not get out of the house to reload my card, as I am a XXXX. I tried several times for them to take the money out but they kept saying that it was n't going through so they backed out of their agreement with paying {$280.00} to close out the debt. When I called them today they told me that I now owed the full amount because I did n't follow through with the agreement. I told them last Friday that I was waiting for my money to clear in the bank and then I would call them. First of all this debt is from University XXXX XXXX who charged me for classes that I did not even take and I told them several times that I was n't able to access the classes They should have fixed it and unenrolled me from the classes. I am supposed to pay for a service I never received and I do n't think that 's fair. University XXXX XXXX knows that they messed up by not having the classes I signed up for available to me. How can I owe money for a service that was never rendered? And then how can the debt collection agency go back on their word simply because I told them that they 'd have to wait until the money cleared in the bank? This is not fair all the way around,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Mortgage (FHA mortgage) with Seterus, Inc. (PA).
Issue: Loan modification,collection,foreclosure

Complaint: My client wanted to proceed with a short sale. We went all the way through the process of conducting a short sale, inclusive of appraisals, thousands of pieces of paperwork, and then discovered that there was a pre-existing home equity line of credit on the property which was overlooked by the predecessor to Seterus, the current mortgage holder. As such, the XXXX XXXX home equity line of $ XXXX had to be paid first according to the applicable law, and the rest of the available funds would be disbursed to Seterus. If Seterus was mislead by its title insurance company which insured the transaction, the claim against the title insurer still be an option, but to be considered first in a short sale IS NOT, pursuant to the applicable law. There was a Sheriff 's Sale scheduled in XX/XX/XXXX which I was able to postpone. I do not know the current status of the potential Sheriff 's Sale though I understand that it may be on hold. 

We filed a FORMAL QUALIFIED WRITTEN REQUEST according to the applicable law, received a confirmation of receipt from SETERUS and have not heard since. More than 30 days have gone by, so I called Seterus and was told that there has been no resolution of the issue or even an effort to get back to me within 30 days. The agent at Seterus stated that in his opinion, it is not necessary to get back to the requester in these circumstances, and if it is, the time frame would be 30 business days if there were a time frame at all. I find this to be contrary to very clear applicable law. We have a buyer for the property ready and waiting to purchase at a short sale. XXXX XXXX has likewise approved the short sale with its loan being taken care of first. The law is clear. But SETERUS does not seem to care about the law. 
Sincerely, XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation