milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/26/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CO).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: In XX/XX/ I noticed several charges that I did not recognize. After disputing them with Capital One, they ultimately determined that the charges were mine. However, I wasn't even in town when they occurred. Over the summer of XX/XX/XXXX, I wrote several letters asking Capital One to provide me with backup in the form of signed charged receipts with my signature on them proving the charges were mine. They refused to do so, continually responding with a general letter stating that they concluded their investigation and that the charges were determined to be mine. I wrote again and again and again with the same response! I finally found I no other alternative other than to dispute this situation with the CFPB. I am asking Capital One to provide me with physical proof, with MY signature, showing exactly when the charges were made, how they were made, where, etc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-04-2016 about Mortgage (Conventional fixed mortgage) with TIAA, FSB (NY).
Issue: Application, originator, mortgage broker

Complaint: My mortgage was sold to Everhome shortly after I closed, and their customer service has always been awful. When refinancing, I was in a hurry and thought staying with the same company would be easier. They told me that I had to pay {$420.00} for an appraisal, which would be refunded at closing, along with many other incentives that I was promised. Everyone I dealt with then proceeded to drag me along for months with false promises and lies. One day I 'm told everything is ready and we should be closed by the end of the week, and then the next day I 'm told that they need more information and we 're not even close. They repeatedly dropped the ball and failed to follow up, and when I finally got annoyed I was insulted by the loan officer and told that it was my fault because I am a business owner without enough income which, after months of phone calls and emails, was news to me. This entire process was frustrating, time consuming, and insulting, and now I 'm stuck with my higher rate, awful customer service, and out the {$420.00} I paid for the appraisal, which was much higher than other banks but I agreed because I was told the money would be refunded at closing anyway, but after months of being strung along that never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (NJ).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: This is a followup t o CitiBanks  response to my complaint  XXXX , which you sent to me yesterday. As a result, CFPB decided to close the case. Please reconsider your decision after you review my response as follows : Lets make it clear : I, the consumer, have never expressed or denied my liability or responsibility to pay with Home Depot credit card for the proposed project. As a result, I agree with  CitiBank  that you provided a representative of  XXXX   XXXX   XXXX , with your credit card information, including your account number and expiration date, thereby assuming liability for any resulting charges. The only issue here was when and how to pay.     The hand-written agreement signed  on  XX/XX/XXXX  stated : Buyer   agr ees to pay for job in full at time of construction completion & final inspection There was no mention of payments by installment.      1 ) Th e  XXXX  card purchases were conducted by a third party without my acknowledgement and authorization.      2 )  The card usages were not related to the project. Based on my investigation, the cabinets were ordered with cash from the  contractor  a t Home Depot in   XXXX , NJ. According to the receipts you attached, the card transactions were completed at  Home Depot  in   XXXX    XXXX , NJ.      3 ) Pe r Consumer Affa irs Rule, N.J.A.C. 13:45A-16.2 ( a ) 10.ii, Final pay ment to t he contractor is not required to be made before a final inspectio n is performed. Although the  contractor obt ained the complete card info, it was agains t the Law  to take the last payment before the project was even completed.     Lets make it clear again that the store credit of {$4900.00} posted on   XX/XX/XXXX  c ame directly from the  contractor as t he  XXXX  must have realized the consequence if they failed to make a correction.

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 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I spoke to a customer service representative on XX/XX/XXXX to try to resolve this issue. I was told they dont know why this account is still reporting as late because it has been paid and to call back in 48 hours while they investigate. In the mean time I can file a dispute. This company has charged off my account in XX/XX/XXXX and when this account was charged off it has been paid with the collection agency however, this company is still reporting my account monthly as 180 days past due. This account has a XXXX balance as of XX/XX/XXXX. On XX/XX/XXXX I was told by XXXX XXXX to contact XXXX  regarding this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Bank account or service (Checking account) with PNC Bank N.A. (OH).
Issue: Deposits and withdrawals

Complaint: I have contacted my bank - this last time was the third time due to fraudulent charges coming out of my checking account. They have issued a new debit card - but the incidents keep happening. They are coming from XXXX - which I have closed my account with them. But after XXXX there is another vendor - the latest being XXXX XXXX XXXX. They say it stems from some computer game. These charges occur every so often ( approximately once a month ). I have to dispute them and keep having to be reissued a new debit card with a new number. I am at the end of my rope as to how to stop these charges. They have also appeared on credit cards. The credit card company issues the charge back into they credit card account. However, the debit card does not. They have you wait - in my checking account is my payroll money for bills, food, utilities, etc. I ca n't wait for that money to come back - that is my spending money and bill paying money. This has been a travesty - I just want unauthorized charges to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Student loan (Federal student loan servicing) with Equitable Acceptance Corporation (FL).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I was called by someone from a company called XXXX XXXX claiming to be working with the department of education. They told me that through Obama Student Loan forgiveness they could freeze my student loans, guide me through reducing my monthly payments and ultimately get me a $ XXXX monthly payment, but I would have to work with another company ( Equitable Acceptance ) to monitor and/or help me through this process. I was told that this company charges about {$1300.00} for me to get this help. Payments would be broken down to $ XXXX/month and that I would need to make my first payment upfront before they could begin their processes. They then told me they needed my FSA ID and made me confirm my challenge questions. The result I was promised was that after the 3 years that {$1300.00} would be paid off and my students loans would then be forgiven. I was nave enough to believe all this and I agreed to the terms. My student loans were never frozen and this company has been continued to charge me monthly. I have not heard anything from them at all and not received any guidance on helping me with my student loans at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: My wife and I filed a complaint with you on X/XX/2017 complaint # XXXX. We are not sure if we are not speaking clearing or no one is listening. Our issue is that over the last 2 1/2 years we have filled out the same extensive loan modification forms. For one reason or another we have been told that form was missing something or the period was in the wrong place. For whatever unbelievable reason we have to fill out the same forms 12 times. We will not do it anymore. We sent our complaint only to have Bank of America send another site of forms with the same exact information. This matter is not closed. Bank of America has DONE NOTHIING!!!!!!!!!!!!!!!!!!!!

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 01/14/2018 about Debt collection (Medical debt) with GLA Collection Company, Inc. (KY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XXXX XXXX, XXXX I reached out to GLA Collections via a third-party credit monitoring site XXXX XXXX XXXX XXXX, asking them to validate XXXX medical bills that they have on my credit report. One in the amount of {$500.00}, and the second in the amount of {$720.00}. Today is XXXX XXXX, XXXX and I have yet to receive the requested information, nor a letter of any kind or any type of response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I sent my info to the XXXX credit bureau and they havent clear my name and my score. First i dont have a middle and second they haven t fix it. Cause of the i cant get approve in me buying a house..

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 09/14/2017 about Debt collection (Credit card debt) with United Debt Holdings, LLC (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: In XX/XX/XXXX, I was told I had a XXXX debt in collections from XXXX XXXX ( an account I had closed in XX/XX/XXXX ) that was sold to United Debt Holding. I have not received a single letter or call to collect on this debt. I made numerous attempts to call United debt holding but have not been able to reach a single person about my situation. I have continued for the last 9 months but have not made any progress. This is destroying my credit, even after making all payments and keeping my history clean.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2015 about Credit reporting () with Experian Information Solutions Inc. (IA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX has misreported my payment history. I have presented to Experian copies of my cancelled checks which they will not acknowledge

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Credit reporting () with EQUIFAX, INC. (ID).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I was XXXX and on my XXXX I visited XXXX and as a federal employee there is a co-pay paid up front of {$35.00}. This was paid and I received medical services. I went back to XXXX from my XXXX and XXXX sent out a billing that I did not receive since I was in XXXX. Upon my return in 2012, I ran my credit report and saw an XXXX XXXX bill and paid the {$70.00} on XXXX XXXX 2012 ... 
from XXXX XXXX XXXX XXXX : XXXX XXXX/ONLINE PMT/XXXX XXXX XXXX /WEBWhen I saw this still on my credit report I contacted XXXX XXXX XXXX , Director of Financial Operations XXXX XXXX who in turn contacted XXXX and advised them to remove from my credit report, XXXX acknowledged that they would ... I followed up with XXXX one year later since it was still showing on my credit report. XXXX stated it would be taken care of again.Currently it is on my credit report with Equifax under XXXX XXXX XXXX, XXXX. XXXX stated they called Equifax to have them remove immediately, yet Equifax is still showing as a collection and a balance due of {$70.00} with XXXX and not XXXX.Equifax is not using due diligence and is ignoring both me and MC. 
***XXXX removed from credit file yet, Equifax is still showing as a derogatory remark

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Debt collection (Medical) with Meade & Associates, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have an unverified account from MEADE & ASSOC. I had previously disputed this account. I have never done business with MEADE & ASSOC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that MEADE & ASSOC Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that MEADE & ASSOC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 11/23/2017 about Mortgage (Other type of mortgage) with HOME LENDING GROUP, LLC, THE (MS).
Issue: Trouble during payment process

Complaint: I purchased a home on XX/XX/XXXX, through The Home Lending Group, located at XXXX XXXX XXXX, XXXX, MS XXXX, contact number XXXX. I was contacted by XXXX XXXX, contact number XXXX, regarding the fact that they were having difficulty in selling my loan to XXXX XXXX. They advised me to have modifications made to my homeowners insurance policy to meet the criteria that XXXX XXXX   required. This would increase my monthly mortgage payment by {$70.00} per month. However, once I advised them to send me that request in writing they advised me that they had been able to have XXXX XXXX  to make an exception in my case! At that point I was called by another representative and asked to make my mortgage payment that day XX/XX/XXXX because XXXX XXXX  wouldn't be able to buy the loan until I made the payment which is documented as {$740.00}. I have paid this mortgage amount for the last two months and I have received a statement from XXXX stating that my mortgage payment is now {$770.00} and will be {$780.00} monthly for XXXX. While the amounts are small I do not understand how my mortgage payment can change during the first year. Additionally, the Home Lending Group is the most unprofessional mortgage company I have had the misfortune of dealing with, the incompetence was and is astonishing.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2018 about Debt collection (Medical debt) with Medical Data Systems, Inc. (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I was first notified that a negative collections had been added to my credit report in XX/XX/2018 for {$150.00}. This debt was from Medical Data Systems, a secondary debt collector who purchased my original debt from XXXX Hospital. I never received a bill in the mail from this company or a phone call from them to notify me that they had my debt. The first time I was informed they were trying to collect a debt from me was after they added a collection to my credit report, substantially damaging my credit report. I contacted them to pay the debt and asked them why I had not been notified before they placed this on my credit report. They informed me they had been sent a bill to an old address that I no longer live at. I asked if they could please remove the collection from my report since they had sent my bill to an incorrect address and I had paid the bill immediately once notified. The associate, XXXX, transferred me to the manager, XXXX, who told me she would not remove the collections. Her tone became extremely condescending and she told me it was my own fault for not paying my co-pay in person at the time of going to the ER ( at the time I was admitted to the emergency room, I was in excruitiating pain and never had been asked to make a copay in person ). It was extremely unprofessional and an invasion of privacy that she used details about my experience at the ER to try to belittle me, after I asked what I believed to be a simple request given their clerical errors and the fact that I never received a bill or contact from them prior to them tarnishing my credit with the collection they reported.

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 10/28/2015 about Mortgage (Conventional fixed mortgage) with Statebridge Company (CT).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX/XXXX/2015 we called Statebridge Company to make a payment. Statebridge first stated they would not accept a payment because our loan was in default. When I disputed that fact the Statebrideg representive stated that it didnt matter and that our payment was past due and that we had to the full amount Total Past Due : $ XXXX.The representative once again refused to take the payment. I reminded him that the Consumer Financial Protection Bureau ( CFPB ) has issued the final rules that implement residential mortgage reforms of the Dodd-Frank Wall Street Reform and Consumer Protection Act. And one of the rules pertain to prompt-payment crediting. Servicers must promptly credit payments from borrowers as of the day of receipt, including principal, interest, and escrow. If a payment is received that is less than the amount due, the servicer may hold the payment in a suspense account until the amount in the suspense account covers the periodic payment. Statebridge has violated the rules pertaining to prompt-payment crediting to a consumers account. When I informed the representeive that he was violating federal law under Dodd/Frank and the CFPB rules and that he was required to accept my payment and he tranfeered me to his supervisors voice mail. 
On the same date I contacted a XXXX XXXX who is allegedly XXXX of the XXXX SPOC and emailed her the following : Dear XXXX XXXXI would just like to notify you that Statebridge Company refused to take a payment over the phone. We will file a complaint with the CFPB and we will record this violation on any future litigation that may be filed. 

I deny that our loan is in default and your refusal to except a payment is in violation of federal and state laws. 

If you have any comments or suggestions to resolve this matter you may contact me at this email addressSincerelyXXXX XXXXOn XXXX/XXXX/2015 I resent the same email and have not received a response. 
Statebridge seems to show a pattern of making it difficult for consumers to make their payments or not taking consumers payments at all. We belive that this may be an organized attempt by Statebridge Company to rack up fees and illegal forclosures on customers, by claiming consumers are not making their timley payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I tryed to dispute these accounts back in XXXX XXXX XXXX, XXXX, and XXXX XXXX with all three CRA. I have attached documents showing what they sent me ; also Ive attached information from XXXX  showing multiple names for me and multiple addresses this should not be on my report all of these names for one person. I asked these companies to send me something with my signature or an original signed contract but the results were the documents I have attached. Also XXXX XXXX was deleted off of my credit report that was reporting XXXX but the CRA is still reporting this XXXX account.

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