milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-06-2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (NY).
Issue: Payoff process

Complaint: We transferred payment in full on our card, the bank received it and posted it but did not credit it for 7 days. This despite the fact that the funds came from an account at the same financial institution. Meanwhile, our card was declined and we incurred late fees as a result -- again from the same financial institution! Discussions with multiple customer service reps involving hours of phone calls over a one week period led to no answers. A promised call from a " manager '' never occurred.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Mortgage (FHA mortgage) with BAYVIEW LOAN SERVICING, LLC (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: bank has not tried to modified my mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Debt collection (Other debt) with I.C. System, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have previously tried submitting a complaint with this company.. XXXX XXXX was the original creditor. The amount on the alleged account is {$730.00} dollars. I C system has finally decided to respond only to say that they aren't the ones who brought the account although let XXXX XXXX says the original creditor was XXXX, yet the account is with them and they, ( I C system ) are the ones trying to collect this alleged debt.

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 02/27/2017 about Credit card () with JPMORGAN CHASE & CO. (UT).
Issue: Credit determination

Complaint: I recently applied for a Chase freedom card. I received a letter from Chase today ( XXXX/XXXX/17. ) This letter was denying my request for a few reasons. After reviewing all of my credit reports, and the letter, I find that Chase has no justification for denying my request. For example, Chase claims that I have a credit card that has not been paid on time - NOT TRUE. I have a new account with a 100 % on-time payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Debt collection (Medical debt) with Smith, Rouchon & Associates, Inc. (AL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I have an old medical bill that was sent to collection that I normally pay on my next  Doctor  visit. I have n't been in so it was sent to collections in which I did n't know of. Did n't receive no letter stating debt and when I did receive a phone call the representative was very rude and threatening. Had a harsh tone and told me that if I did n't pay in a week I would be sued. The representative would n't even work out a payment plan for the debt of {$150.00}. So know it 's on my credit report damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Mortgage (VA mortgage) with FLAGSTAR BANK, FSB (WI).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: XXXX - I was laid off and tried to get a loan modification. Was told the only way to get one was to stop paying my mortgage. They tried to foreclose. I referred to the direction I was given and tgat the call was recorded and got the modification. 


XX/XX/XXXX- Tried to pay directly from my wife 's 401K, was told it was no problem. Then, after calling everyday for over a month, found out they were trying to foreclose again. At this point ( XX/XX/XXXX) I was forced to file for bankruptcy to keep my home. 


XX/XX/XXXX- XXXX, I began a refinance with another lender. In XXXX, I still had n't received a payoff demand. In XXXX an innacurate payoff demand was sent on the XXXX. The WI attorney working for Flagstar refused to discuss this with me, forcing me to use my attorney at coat to me. 


Today a Flagstar representative said I needed to speak with the manager of my account that I did n't know I had, and had n't spoken to one time in ten years. She said she could not discuss my case even though my lawyer released them to speak with me and that my account manager was leaving the office and there was no supervisor available to speak with. Again I noted that the call had been recorded and may be subpoenaed in the near future. I received a call 30 minutes later from a manager that said he  emailed the VP of his department with all the changes I needed to be made to the payoff demand : *Change " good through '' to the end if this month ( XXXX ), originally the XXXX and not feasable at this point. 

*Indicate that XXXX payment was received, this was ommitted originally and made it impossible for the new lender to accept. 
*Return escrow to me so that I can pay my taxes, this amount was credited to the payoff total originally. 

My Grace period ends today, my new lender is not collecting XXXX or XXXX payment from me and I ca n't help but think that Flagstar is trying to bully me into staying or run a backdoor foreclosure on me.

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 06/27/2016 about Debt collection (Medical) with Valarity, LLC (MO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The account Valarity is holding has been satisfied. I do not owe this money. It was paid in full. {$63.00} to the original billing institution in XXXX.

Company response to consumer: Untimely response
Consumer complaint received 03-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I've been trying for years now to get these liars to get the lie off my report. XXXX XXXX XXXX  located in Nevada, is the company I'm speaking off. I paid in full and told them to close my account. Instead they just make the account charge-off instead. Please get this off my reports. Or I'll just sue!

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 09/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
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: After reviewing my personal credit file, I notice the tradeline show a available credit limit of {$500.00}. I recently contacted XXXX ( i.e. XX/XX/XXXX ) requesting the tradeline be removed ; in addition, The accuracy of the information contained within the tradeline was also disputed with the recognized reporting agencies. The legitimacy of the account was n't in question, the information it contained was the issue of concern. XXXX was contacted again ; this time the account number & customer number was being requested. On XX/XX/XXXX at XXXX XXXX, Another inquiry was made to XXXX to see if the account was active or inactive. The representative informed me the account was indeed active, I then wanted to know why my credit file show a credit limit of {$500.00} and the document that was sent show a credit line of {$0.00}. The representative assure me it was because of past financial activity. I requested the account be closed, because with a XXXX balance the current agreement went against the company mission statement and advertisements. I again, requested the XXXX XXXX XXXX to request the tradeline be remove from my file. At XXXX XXXX a representative attempted to misinform me of the process to achieve satisfaction. XXXX credit specialist was very much in violation of the following : The Fair Credit Billing Act ( FCBA ) of 1974, 807. False or misleading representations [ 15 USC 1692e ] ( i.e. section [ 7 ] The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer.
In addition, in the comment section under XXXX tradeline its been showing re-investigation in progress for six or months.

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 07/29/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (AR).
Issue: Problems caused by my funds being low

Complaint: I am a customer at Bank of America and enough is enough!!!!!!! I have told Bank of America on more than one occasion that I DO NOT WANT OVERDRAFT " PROTECTION ''. I had to leave town on a emergency and due to posting delays ( I made those charges of Friday but they did n't post until Monday ) I over estimated how much money I had and due to my withdrawal on Sunday before I left town my account went into overdraft on Monday while I was out of town. I read up on the laws and what the bank promises and they say that they will not charge fee 's for non recurring items and bill pay. I had XXXX items post while I was out of town XXXX for XXXX each and XXXX for XXXX and of course I was charged XXXX for each item!!! I know Bank of America and the other banks are a business BUT this is unconscionable and I do n't know why it is acceptable for the banks to act this way? I researched state usury loan shark laws and the most any state allows someone to charge in interest is 45 % in the state of Colorado. Why are banks not forced to charge a percentage of the over draft amount???? Is it fair that a person that overdrafts by {$1.00} and a person that overdraft by {$1000.00} pay the same {$35.00}??? Also I am reading that bank believe that they dont have to abide by lending interest rate laws because they claim overdraft items are not loans. I beg to differ if I dont have XXXX to pay for an item and YOU, BANK OF AMERICA. Chooses to pay for that item for me WITH THE EXPECTATION that I must pay you back THAT ABSOLUTELY IS A LOAN!! And what they are doing is illegal and there needs to be a class action lawsuit, its very simply if I dont have enough money in my account I DONT WANT YOU PAYING THE ITEM FOR ME!!!!!!!! They continue to do this because the law is not forcing them to act in a decent and equitable manner.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: According to the new guidelines, if a tax lien does not have your social security and date of birth, it should be removed from your report. TRANSUNION refuses to remove the lien on my report which only has my name and address. i just applied for a home equity loan to pay my daughter 's school, application was declined because of the lien. 
Same lien was removed by XXXX and XXXX. 

Note that i am currently paying federal taxes through an arrangement.

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 03-03-2017 about Debt collection (Credit card) with Alliance Data Card Services (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The fdcpa clearly states that harrasment aka calling repeatedly to collect a debt is against their policy, which is exactly what is happening to me, I would like to report that commenity bank is using harassing collection methods, and I have proof on my call list the amount of times a day I get called.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/22/2016 about Debt collection (I do not know) with CL HOLDINGS LLC (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I do not know where those that came from

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-05-2015 about Credit card () with WELLS FARGO & COMPANY (CO).
Issue: Other

Complaint: A situation has occurred that I believe disserves attention by your bureau. 
We are in the process of purchasing a home. We have paid off all of our credit cards, a car purchased for people from XXXX and XXXX of the houses. Our loan officer has asked us to obtain letters from each of the credit cards and banks showing that we have a zero balance. 
Everyone has been very helpful except for Dillard 's XXXX Credit Card. I called this morning, requesting a letter so we can close on XXXX XXXX, 2015. My husband is having XXXX on XXXX XXXX 2015 and will not be able to lift anything for several days. We want to move a trundle bed, table and chairs, and assorted items into the house so we can go and work on the house. 
We have been married 12 years, dated for XXXX and this will be the first time we will be able to live together. We are very excited to have this happen. 
Dillard 's will only mail out the letter, I need it this week. Everyone else was able to fax or email their letters within a day or two. Dillard 's employee " XXXX '' was so rude, he just kept upsetting me more and not helpful. I asked for upper management and he put me on hold for several minutes, came back to tell me that no one was available and made me so angry with his repeating to me over and over the same information. I finally had to hang up. 
So, I went to Customer Service at Dillard 's in the XXXX XXXX XXXX in XXXX, Colorado. Asked to speak with the store manager and was told she was at lunch. They took my information and said she would call someone when she returned and then call me. I have not heard from her and it 's been two and ahalf hours. 
I have a Dillard 's XXXX card. So, while waiting I called XXXX XXXX to see if they could help. We spend several XXXX dollars with XXXX XXXX each month. We are impressed with their servcies, they are wonderful when you have an issue on a purchase. They inform me that they do n't have anything to do with Dillard 's XXXX, I think that is false advertising. Why put XXXX XXXX on the card if you ca n't access your account and then the payments are handled through Wells Fargo Bank. What a fiasco! 
I should be able to have my credit information available immediately from Dillard 's. Having to wait ten days for the letter that I have zero balance, considering the day and age we live is absurd. They are going to cause us time and money, we will have to pay for someone to help move these items, We are in our sixties and I can not lift the beds by myself. 
Whatever happened to people helping others, why ca n't this company be like everyone else and email or fax this letter to me or my loan officer? 
I really doubt that XXXX '' even sent in the request for the letter, I have no faith in anyone at Dillard 's.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Credit reporting () with MSW Capital, LLC (AZ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have a judgement that has been paid and satisfied since XXXX, 2014 and is still showing as unsatisfied. I have tried to contact the company and left a XXXX messages with no response.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Debt collection (Mortgage) with Seterus, Inc. (IA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Started refinancing. Closing statement ordered on XXXX/XXXX/2016. Closed, i thought, on XX/XX/XXXX. My attorny pd taxes and insurance, perdium for the days past guarantee. Tax pmt and insurance satisfied by our payments. Seterus, the company who my loan was with refused to honor closing and now asking me to pay XX/XX/XXXX house and escrow. They said they pd taxes on XX/XX/XXXX. Money was removed from my escrow acct between XX/XX/XXXX and XX/XX/XXXX. XXXX county ia treasurere has not received the pmt from seterus and they are now demanding pmt for both XX/XX/XXXX and XX/XX/XXXX. They also spoke with my attorney 's office and discussed the specifics of my accout without me on the line and even voiced that they were unable to talk and proceeded to discuss. I am reporting them fir violating my consumer protection rights. Today i recvd papers from them for being 30 days behind on a payment i should never had to pay and for an empty escrow acct that shouldnt be empty until XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Debt collection (Medical) with Grant & Weber (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My daughter received medical care at XXXX XXXX back in XX/XX/2012. On the date of service in question, my daughter was covered by Medi-cal ( XXXX California ). The hospital is stating I failed to provider her medical insurance information and this is not true. I contacted Grant and Weber several times to explain what happened, they are not willing to adjust the balance or to bill Medi-cal as they are saying bill is out of timely filing and balance will not be paid by Medi-cal. This is not fair, and also under title 22 in the State of California, If my daughter had medi-cal and I was able to prove it, they are suppose to write off the balance. Grant and Weber are refusing stating this is not true. They want the money from me and that 's all they care about. I have proof my daughter was covered by insurance. I also tried to get help from XXXX and they were on the side of the debt collector, so if you can help, I will be grateful.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I submitted disputes on my credit report with Transunion, XXXX and XXXX on XX/XX/XXXX. I included all required information to prove my identity including my driver 's license and a current electric bill. All 3 companies sent me letters stating that they needed more proof of my identity before they could do anything. On XX/XX/XXXX I sent all 3 companies a copy of my driver 's license, a copy of my social security card and a copy of a letter from the post office showing my change of address along with my disputes. Once again they have sent me letters requesting the same information from me that I have already supplied them with such as, ID, Social Security Card and proof of address. My letters were very clear and I believe this to be a stall tactic on their part to allow the creditors that I am disputing to have more time and keep these items on my credit report.which is a clear violation of my rights as a consumer. This is keeping me from getting a mortgage because they are n't doing their job properly. Please look into this because this is hindering me from doing a lot.

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 12-09-2017 about Mortgage (FHA mortgage) with CALCON MUTUAL MORTGAGE LLC DBA ONETRUST HOME LOANS (GA).
Issue: Closing on a mortgage

Complaint: I would like to be refunded my {$480.00}. I filed a complaint due to negligence on this company before that their staff didnt move forward with a home loan, they pushed off Closing on a home several times with no legit reason. In XXXX XXXX, I was assured by the CEO that his Sales team had spoken with the listing agent and seller and everyone was on board about selling the home to me and that the lending team would be right on it to Close on the home. Sadly, another broken promise, I happen to be surfing the web XXXX XXXX/XXXX/XXXX & notice that the house was up For Sale. Very disturbing I reached out to the VP of Loan Sales and Loan Processor to inquire. The VP of Loan Sales said that he wasnt aware, & that I needed to reach out to the Realtor. Ironically, VP of Loan Sales XXXX mention to me that neither the Listing Agent, Seller, nor Realtor agreed to selling the home to me, even though for the past 20 days he and his Loan Processor have been requesting documents from me going back & forth of information they needed from me. XXXX XXXX, XXXX I emailed him to inquire if there was anything else needed for t set a Closing date XXXX. Loan Processor mention that when she return XXXX she get all my paperwork that I sent to her ( per her request ) on XXXX she would review when she returns from being away from the office. Just as a note, in the event they may say, that there is miscommunication between CEO and VP of Loan Sales, not true. I was informed that VP would be handling in place of the previous staff, to assist me in getting this carried out. The VP of Loan Sales emailed me XXXX that the seller nor the realtor didnt agree to re-write up the contract to sell the home to me. I find very strange why would they have me go through all of this in the first place then. I received word that the house was under contract with someone else XXXX by another realtor, and another listing agent. I was thoroughly misled. Truly bad business. This has been ongoing for some 7 months, I just would appreciate, since the last resolution per the company was to sell the home didnt come to pass, that refund is in place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Consumer Loan (Vehicle lease) with Porsche Financial Services, Inc. (CA).
Issue: Managing the loan or lease

Complaint: Porsche Financial Services sent me a letter stating direct payment has been setup on XXXX 2016 which stated that the starting date is XXXX/XXXX/16. on XXXX/XXXX/16 I got a call that I 'm late 60 days. I sent their letter of confirmation to the email address they provided, XXXXXXXXXXXX and verified they received it while I was on the phone with them. Today I got a notice from credit reporting bureau that Porsche Financial Services reported 30 days overdue on my credit. This is unacceptable. I 've been trying to setup a direct payment since XXXX. They have extreme level of limitations and very inconvenient. Their technology is extremely behind and the consumers have to suffer. Ridiculous.

Company response to consumer: Closed with explanation