milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/20/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have previously submitted a certified letter on XXXX XXXX XXXX and XXXX XXXX XXXX which was received and signed for requesting that a dispute be initiated for a XXXX account which is reporting incomplete and inaccurate information on my Credit Report. After the dispute process this account was verified and still displays information which is incomplete and inaccurate. The following is a list of incomplete inaccurate or information contained in XXXX account XXXX 1. Balance amount is XXXX, and charge off amount is XXXX Account reports no payment history in prior to XXXX 2. Payment history reflects paid in XXXX XXXX however first delinquency reported as XXXX XXXX in account notes. 
3. First major delinquency reported as XXXX however payment history reports charge off in prior months begging in XXXX XXXX. 
4. No payment history prior to XXXX however account was open in XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: They call every other day from multiple different numbers. They lie about not getting a payment that they sent me a receipt to. They are very rude when we are talking.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Bank account or service (Other bank product/service) with U.S. BANCORP (FL).
Issue: Making/receiving payments, sending money

Complaint: SOLD REAL ESTATE PROPERTY IN 2010. I WAS LATE XXXX PAYMENTS. XXXX. US BANK TOOK 6 MONTHS TO GIVE MY PAYOFF FIGURE ALL THAT TIME CHARGING INTEREST AND PENALTIES. THEY NOW REPORT THE HOUSE WAS FORECLOSED ON ... I NEVER RECEIVED ANY PAPER WORK OR NOTICES ON THIS THE HOUSE WAS NOT FORECLOSED AND I LOST SEVERAL THOUSAND DOLLARS BECAUSE OF THIS. I CALLED THEM DOZENS OF TIME DURING THE SALE AND WAS IGNORED EACH TIME. ALL CREDIT REPORTS SHOW THIS AND I CONSIDER THIS FRAUDULENT BY THE BANK. THEY ALWAYS SHUFFLED ME AROUND AND STILL NO ANSWERS EVEN TO THIS DAY ALL I GET IS THAT THEY WILL LOOK INTO THIS AND I HAVE ASKED FOR ALL THE PAPERWORK INVOLVED,,, STILL IGNORED

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/22/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Customer service / Customer relations

Complaint: Capital one has destroyed my credit and refuses to correct it. The payments has always been paid on time. Capital One attempted several times to withdraw funds from a closed account or from an account I did not authorize. I have tried to resolve this many times with management but was told every time a manager was not available and can only speak with a supervisor. I was also clearly told by a representative Capital one would resolve and this would not report negatively on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Problem with fraud alerts or security freezes

Complaint: Because of the recent data breach at XXXX, I decided today ( XXXX XXXX, 2017 ) to put a freeze on my credit reports. Experian will not allow me to do this over the phone or on their website. They are only allowing people to do it via mail ( probably to limit the amount of freezes ).

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 07/24/2015 about Credit card () with CITIBANK, N.A. (TX).
Issue: APR or interest rate

Complaint: I have an a citi master card account since 2002. I have never been late on my payments. On their ( citi ) website I have an excellent credit fico score of XXXX. I was surprised when I called them today spoke to XXXX to ask them to lower interest rate which is at 20 %. They said NO. She said it goes with your credit report and when you applied for the card. It sounds ridiculous and I think citi are just stealing my money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/30/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: i never had a loan for XXXX college and now all this time they keep saying i do but no proof of master promissory note or exit counseling for loans for XXXX college. They are giving false information and do not want to provide provide proof i signed for a loan because i did not sign for a loan at XXXX college at any point .because they told me i would receive a grant for being homeless and disowned from family because of cultural reasons. now ten years later the Navient loan department ignores me hangs up on me and keeps beating around the bush and keeps putting me on defferement to collect interest and wont remove or give me proof of anything. and wont give me proof of my loan papers because there is none

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with PNC Bank N.A. (NJ).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I 'm in the negatives at PNC Bank and a lady name XXXX called my coworker at my place of work XXXX/XXXX/2015 between XXXX & XXXX to have her let me know of my debt and asked my coworker to tell me to call immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/18/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Credit line increase/decrease

Complaint: I 've had this Capital One credit card for at least 6 years, without incident. My current credit score is above XXXX based on their own monitoring platform. I have not requested a credit limit increase in years. Yet, when I submitted the formal request through their site I was declined because " Recent use of this account 's existing credit line has been too low ''. ( Something I never heard from the XXXX other cards that increased my limit by XXXX-XXXX within the last 6 months. ) When I called to ask for general guidance around this undocumented and irregular practice, it was suggested that I consult a financial adviser. This disingenuous answer was not the operator 's fault, there was a meaningful pause while she asked a supervisor. *1. ) This answer is insultingly nonsensical. How would any 3rd party have specific insight into Capital One 's secret internal procedures they are unwilling to disclose to customers. *2. ) I have used and paid the balance every month for years. It 's inappropriate to demand higher usage because low balances/usage are a key part of every credit rating algorithm. I do n't see how a minor increase in credit limit should be contingent on a customer damaging their own credit rating. * 3. ) This denial, and what it represents, illustrates that Capital One has systematically violated the basic premise of credit ratings. They start low, and increase as consumers build a documented record of constructive behavior. There are only two ways to increase one 's credit score without applying for more credit. One, wait as the average age of revolving accounts and general credit history increases. This is a very slow process when the optimal length is 25+ years. Two credit limit increases every 6-12 months based on proper usage. Again, this is the only meaningful path for responsible users to systematically increase their credit score. By actively sabotaging this vital industry standard practice Capital One has expressed their intention to dishonestly prevent upward mobility and keep their own customers trapped in the indentured servitude that is undeservedly poor credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I have complaint about fraudulent practice of bank of America before 2014 they give a called loan modification in this loan modification was only for the purpose of taking my house tile and putting into their name I hired a lawyer but they only XXXX me out he told me that my only option was to sign the papers and in a year if I make my payments I will be able to get another loan modification or rifanance I try to get them to help me but they wo n't called me I tray XXXX but it 's the same it looks like their fraud was well done with the help of the lawyer I got to help me my regular payment was XXXX I was never late even I m in XXXX and my income is limited I did n't know anything about this vacate final judgements I got this paper today and las Tuesday last Tuesday I called the clerk of Cort but they say there was not recorded as bank of America is discriminate against me and if for some reason my helth gets worse I blame bank of America for his fraudulent practice against my person

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 01-11-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Customer service / Customer relations

Complaint: I had canceled and payment because i knew that i was n't going to have the money in my account but capitol one still tried to take the money out which mean it was an returned payment and they closed my account said it was closed to returned payment and could not be open and i am not able to get an account with them again. now they reported this to my credit report and said i had to pay the remaining balance and i paid the balance it was XXXX and i am not able to get anything anywhere else because they still show that it is not paid for and they wont do anything to report that they closed my account in error i tried calling and they hung up on me i call back and the first person always says they see they see what i am saying but then i always get transferred and the person they transfer me to say they cant do anything about it. but i know they can. they can at least report that they closed it in error so it wont mess up my credit. I just want to know why they would n't do anything bout it and i been calling since

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Debt collection (Medical debt) with Choice Recovery, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Choice Recovery   XXXX  , viola ted chapter (  11  ) of the Fair Debt Collection Practices Act FAIR DEBT COLLECTION PRACTICES ACT, as amended by Public Law  1  11-203, title X, 124 Stat. 2092 ( 2010 ) Choice Recovery   XXXX , willfully violate d Chapter ( 11 ) The failure to disclose in the initial written   communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector.      Choice Recovery   XXXX , willfully violated Chapter ( 11 ) bypassing this federal act by reporting the alleged debt from  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX , FL  XXXX  to the Credit Reporting Agencies They are civil for damages for their violatio n 813.  Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of -- (  1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A  ) in the case of any action by an individual, such additional damages as the cou rt may al low, but not exceeding {$1000.00} ; I was advised by the credit bureau that they placed the account for collection and in turn I sent them the cease desist letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Mortgage (Conventional home mortgage) with TOLL BROTHERS INC (FL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: In mid XX/XX/2015 my wife and I entered into a contract ( see attached ) with Toll Brothers to build a new house at XXXX XXXX in XXXX Florida. Despite the fact that their representatives ( XXXX XXXX XXXX XXXX XXXX ) knew we had at the time 8 rescue dogs, they induced us to sign a contract and send earnest money in the amount of {$110000.00} knowing that the ultimate bylaws of the XXXX ( when the property was turned over ) would never consider 8 dogs a " reasonable number of pets '' as per the bylaws. 

Toll Brothers Mortgage also failed to produce an acceptable mortgage at which point we formally withdrew from the contract in accordance w/ its terms and conditions. In reaction to our formal withdrawal they sited a portion of the contract dealing w/ " color selections '' ( see attached ) and said we voided the contract by not choosing them in time and that they were therefore entitled to retain our full earnest money. This position is despite the fact that they have since sold a home on the subject lot and can substantiate only $ XXXX in incurred expenses. 

Their company practices became even worse when, after {$15000.00} of legal expenses, they agreed to non-binding mediation only to reiterate that they were entitled to retain the entire earnest money. They would agree to return {$70000.00} ( representing a {$47000.00} loss plus {$15000.00} in legal fees to me ) despite admitting they had sold the property and they had little by way of actual damages. This is a terrible company with no ethics that should be avoided at all costs. We only wanted a reasonable offer which we felt would be in the area of their actual damages of approx {$17000.00} of out of pocket expenses. 

It should be noted that your agency recd many similar complaints ( FOIA request to follow ) and we feel by dropping any further action against Toll Brothers you are leaving more consumers on their own to deal with an unethical company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Debt collection (Medical debt) with Medical Data Systems, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I was doing a little bit of research on my credit report and I noticed a reported agency call Medical Data Systems on my credit report, I have never did any type of business with any hospital or ever went to a hospital and if I did go to a medical business it would be my doctor which I have medical insurance to cover me so I know I would not be charged. I have never been to XXXX XXXX Medical Center in Florida I need this to be taken off my credit immediately this is not fair I have consumer rights and it 's being violated. I have tried to fix this problem with the credit bureau by disputing this account several times and tried contacting the Creditor and the hospital as well they told me that I have the right to dispute it I also filed a report and was issued a case number by the police department case number is XXXX XXXX County. My identification and Social Security was stolen a few years ago and I am a victim of identity theft and I need this to be taken off my credit report immediately on my XXXX and other. I have never done any type of surgery I do n't have any type of medical injuries or anything under the FRA I have rights. If this is not off my credit I will file charges with the district attorney office for Medical Data Systems. I have tried to fix this problem several times and they are violating my rights please have them remove this immediately off my credit report by deleting it permanently thank you and XXXX bless.

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 01/18/2016 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: Our mortgage was sold by XXXX XXXX XXXX in XXXX 2016. Since then we are getting foreclosure notices and strangers knocking on our door handing us paperwork. We have had a mortgage for 30 years and are down to 7 months before payoff. ( We have NEVER had this problem. ) I 've asked them to review our payment history as I believe they reversed one of our payments. I can not get anyone to reply to my many emails and faxes. I 've read reviews about Shellpoint Mortgage ( aka Resurgent Mortgage ) and have heard many of the same complaints. I know I should refinance to get away from these scammers but do n't want to have to do that with only 7 payments left.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Debt collection (Medical) with Professional Finance Company, Inc. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had XXXX in XX/XX/XXXX and my deductible was XXXX and my total out of pocket was XXXX. When I checked into the hospital I owed exactly XXXX. We charged the remainder of my total out of pocket to our credit card and I had no more out of pocket expenses for XX/XX/XXXX. I then received a bill for XXXX from the in-network surgeon. I explained to them that any money due to them was paid by my insurance company. 
I have reported this to the collection agency and it is still being reported on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2015 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Loan servicing, payments, escrow account

Complaint: Attempting a mortgage refinance, property title report came up with a open line of credit from XXXX. Lending bank will not complete a re-conveyance of the loan without a complete copy of the loan which they say I must provide. Nothing on record at county recorders office regarding this loan, lending bank informed me my only option is to get a Title Attorney.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/24/2016 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (CA).
Issue: Application, originator, mortgage broker

Complaint: I am a XXXX XXXX who ordered a verification of mortgage with Freedom Mortgage. I faxed in my request along with the Borrower 's Authorization. When I followed up with Freedom Mortgage the first 2 times, they had verified that they faxed the verification of mortgage to the wrong fax # twice. Finally, on my XXXX call, they faxed the verification of mortgage to my correct fax #, however, they did not include a cover letter or their company name or contact number on the fax. The verification of mortgage showed the Borrower 's name, address, loan #, interest rate, loan amount, etc., but NO mention of the Lender 's name or contact #. I called Freedom Mortgage XXXX more times to explain that the verification of mortgage was NOT acceptable because the fax could come from anyone, anywhere and not necessarily from Freedom Mortgage. Due to fraudulent activities in lending, I asked Freedom Mortgage to resend the verification of mortgage with a fax cover letter so that I can verify that the fax is coming directly from Freedom Mortgage and not somewhere else. Freedom Mortgage assured me that they are only required to show the loan # on the verification of mortgage and their name did not need to be on the form. It was their customary business practice. I insisted that they send a cover letter with the form and they assured me that it would be done by XXXX XXXX, 2016 but I still have not gotten it. I am now on my XXXX phone call with Freedom Mortgage but they can not confirm if they can resend the verification of mortgage with a fax cover letter, their name or contact # on the form. I have escalated my request with a Manager at Freedom Mortgage 3 times and they have not assured me that this will be taken care of correctly. This is not an acceptable lending practice and should be investigated.

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 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have disputed this account on many occasions with XXXX, Experian and XXXX  and each time it comes back as Verified. 
Creditor reports Date of Last Payment XXXX payment history has No Reporting

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 03/29/2017 about Bank account or service (Checking account) with ARVEST BANK GROUP, INC. (MO).
Issue: Account opening, closing, or management

Complaint: we have been dealing with arvest bank on a dispute since XX/XX/2016 we won the dispute and they were to send us a check for the funds returned we have been chasing this check since XX/XX/2016 we have made numerous calls trying to get our check we have been told several different stories each time we call we have been told they sent the check it was returned so they sent it to a different address and returned again then they said they were sending it again still no check then we have also been told it was signed for and deposited into an account but they wont tell us any info on who signed for it or where it was deposited then they say we will send your check you should have it this week then back to it was deposited this is a business account so it would have to go into a business account but they wont tell us where it was deposited they are giving us a run around and keeping our money

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Account opening, closing, or management

Complaint: Extremely long wait to be attended through inside lobby. This happens every time I come to Bank of America. Why do n't they just add more tellers from XX/XX/XXXX-XX/XX/XXXX. I get that everything is online now, but this wait time is disrespectful to the consumer.

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