milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-04-2016 about Mortgage (Conventional fixed mortgage) with Finance of America Mortgage LLC (OH).
Issue: Application, originator, mortgage broker

Complaint: I negotiated the purchase of a new home for {$430000.00}. I submitted the original purchase contract, stating a purchase price of {$370000.00}, as well as all amendments to my lender as requested with the final agreed upon purchase price of {$430000.00}. The appraisal was ordered on XXXX XXXX, 2016 and performed on XXXX XXXX, 2016. On XXXX XXXX, 2016 I received the appraisal directly from the vendor electronically referencing a Contract Price of {$370000.00} and an appraised value of {$410000.00}. Unfortunately for me, the Contract Price was actually {$430000.00}. The appraisal even stated that the property appeared to be selling at a discount due to 'pressure to sell '. The appraiser used XXXX relocation properties and XXXX foreclosure for comparable. The appraiser appeared to be 'trying ' to get the appraised value lower and closer to the Contract Price based on several factors. 
I informed my lender at the time of the error and they contacted the appraisal vendor. I did not hear anything for a few days and eventually received a 'corrected ' appraisal reflecting the correct Contract Price of {$430000.00} but still stating an appraised value of {$410000.00}. The 'corrected ' appraisal also detailed in the addendum that they WERE NOT provided the amendments to the original contract price until XXXX XXXX, 2016 and that was the reason the {$430000.00} Contract Price was not utilized for the appraisal. As well, it was noted that the appraised value could not be changed. 
The lender was negligent by not performing the industry standard expectation of presenting the appraiser with ALL of the contract paperwork including all contract amendments. Ultimately, this appraisal could not be used for the purchase of my home due to the negligence of the lender.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Creditor Name : US BKPT CT TN XXXX DOCKET Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX   ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXXXXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX   ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXXXXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX   ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : Federal District DOCKET Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : A FED BANKRU DOCKET Number : XXXX DATE REPORTED : XXXX/XXXX I have disputed these accounts with all three credit bureaus.

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 non-monetary relief
Consumer complaint received 06/21/2016 about Bank account or service ((CD) Certificate of deposit) with PNC Bank N.A. (AL).
Issue: Account opening, closing, or management

Complaint: My husband and I both had and IRA account that had matured and we wanted to roll our money into an IRA at another bank offering a better rate. We went in person and asked that the check be made out to the name of the other bank XXXX our name like we have done numerous times over the years. They said they could only make it out to us which would generate a XXXX on each. They said the receiving bank could request it sent electronically, but we would each have to pay a {$25.00} fee. The IRA/CD rates are so low that we should not have to pay to get our money. We took the check to save the fees, we will receive XXXX on each and our new bank will provide documentation we will have to provide when we pay our taxes. Is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (DE).
Issue: Billing disputes

Complaint: After review of the letter of XX/XX/XXXX in which it is stated a credit for XXXX was posted on XX/XX/XXXX statement is incorrect! This is a reversal of the debit that was on the XX/XX/XXXX statement! There were XXXX charges XX/XX/XXXX and XX/XX/XXXX and XXXX credits XX/XX/XXXX and XX/XX/XXXX they cancel each other out! No credit for the travel insurance was issued for XXXX. In addition I find it difficult to believe a person working in corporate complains does not seem to understand debit and credit! Or was this purposely done to appease CFPB and not reimburse for the trip cancellation. If management has been informed why is this being fought! Someone must understand debit and credit! Trying to pass off that credit as a credit to the account when it was a credit for the rebill XX/XX/XXXX statement does not smack of honesty on the part of Capital One! Please sent a check for XXXX and correct the finance charges because of the average daily balance.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Michael G. Niles (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: They need to stop collection on a debt from a XXXX XXXX in which have no clue what it is! Its not even the right name!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of fraud. I have reported to all the credit bureaus and several companies.
I have fraudulent credit inquiries that I did not apply for appearing on my credit report that I did not apply for. I have contacted Capital One Bank and XXXX XXXX XXXX to have these removed and was told they are not able to locate me in there system since I do n't have an account with them. The credit bureaus have n't been any help either.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with M.A.R.S., Inc. (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have never signed a lease with XXXX nor their management company XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: On XX/XX/2011 i deposited a check of XXXX into my Bank of America account. I received this check through a craiglist job that i found and i was sent was sent a check to be deposited into my account and from there purchase things and shipped them out. I received the check and the check seemed legit. Then i received a letter from the that my account was closed due to a fraudulent check. I was surprised because I did n't know it was a bad check. I was XXXX at that time and was looking for any job to be able to meet ends meet. I disputed the case with XXXX and bank of america and nothing is been done. I asked bank of america for a copy of the check and said they do n't have it because this happened XX/XX/2011. I did research after that and i was one of the people of XXXX scam where they send you and check and it bounces to be a bad check. I deposited the check and did n't touch any of that money from that check.

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 non-monetary relief
Consumer complaint received 01/21/2018 about Debt collection (Other debt) with I.C. System, Inc. (LA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Please assist, this has really been a problem that has been out of hand and I have also went through you in XX/XX/XXXX complaint # XXXX to get some resolve from this account and have been very unsuccessful. Where do I turn when I have tried all that I can and no resolve. My rights have been violated extremely with no updates, dispute responses account from XXXX just constantly keeps being re-aged and resold to several debt collectors and no updates have been placed on my account from XXXX or credit bureaus advising of my disputes or resolutions. No documentation what so ever has been furnished with signed contracts or dates from me to XXXX. Now, the debt that isnt mine has been sold to XXXX XXXX XXXX XXXX and this game should not be allowed from them. I am contacting the BBB and citing several FCRA violations on my behalf. 30 days have passed 30 times and the previous inquiry I sent through you all is still showing OPEN, how can this be so? How can these harmful impacts on omy credit not matter to anyone. Why is n't anyone forcing them to furnish information and or remove for good and never place back on my report ever again. 
I am hoping you can assist me in making this final goodwill gesture to allow correction of erroneous reporting, and I am maintaining a careful record of my communications with them for the purpose of filing a complaint with the Attorney Generals office, should their non-compliance continue. I further remind them that, as in XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act In LAST HOPES, please have this handled!

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 01/24/2018 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: Information belongs to someone else

Complaint: I am filing this complaint because I am a victim of identity theft and have been going back and forth with both of the bureaus and companies for over a year and nothing has been done. I have requested proof of their investigations and received nothing. i have requested proof of my agreement and received nothing. I requested a contract or copy of my id or signature and received nothing. I have have attached a copy of my identity theft report and a copy of my drivers license as proof of my identity and have received nothing. I have even started the process of taking legal action but was advised by an attorney to file a complaint with this forum and request they delete and block these items pursuant to section 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act and that under this section these items must be deleted and blocked and an updated report showing these removals be sent to 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 05/23/2016 about Credit card () with AMERICAN EXPRESS COMPANY (WA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I recently learned that ( XXXX ) credit card accounts with American Express were recently opened in someone else 's name with my social security number and Date of Birth this past XXXX of 2015. I also know that this was originated with a XXXX address ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX to which I have never resided. I have now lived XXXX for the past XXXX years. I have since filed a complaint now with the CFPB with the credit reporting companies and felt it is necessary to also single out the individual creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2015 about Debt collection (Credit card) with Asset Recovery Solutions, LLC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I wish I could click more than XXXX item above that is an issue, instead I will list them here. 
Asset Recovery, they call under both names, continuously harrasses me on my cell phone and now they have started to contact me at work. Even going so far as to misrepresent themselves as contacting me on behalf of my employer ( while I was at work ) and asking me to confirm my ss # etc. They then laughed when I would n't and said I would most likely be fired. 

They are trying to collect on a debt I DO NOT OWE. My credit is clean. I do not owe XXXX. I contacted XXXX XXXX Services and they said they have no idea what XXXX or Asset Recovery are speaking of. My account is up to date and paid adn has been. 

XXXX/Asset is also saying that there is a lawsuit against me and they are going to inform my employer and I will be fired. I have been cursed at, yelled at and threatened day and night. It 's not stopping and now it 's at my place of my employment when I 've asked them to stop. 

This is a horrible horrible business and it seems there is no recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Settlement process and costs

Complaint: I applied for a mortgage loan through Bank of America for the purchase of a home. I was approved and the rate was locked. In order to close the escrow, I had to liquidate large amount of investment in a brokerage account. One day before the settlement date, I was instructed to wire the funds to the escrow company and the arrangement was being made to proceed. Then the bank informed me that the loan is not being approved because they determined that I had a second home and I would have to pay a higher rate. I had a second home but it was going to be converted into an investment property and the newly purchased home would become a second home. However, this was all known by the bank from the beginning of the process as everything was disclosed on the application. As a result, I could n't proceed with the purchase and suffered a significant damage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Filed a complaint about another debt collector on this issue in XX/XX/2015. See file XXXX. Another debt collector EOS CCA is trying to collect on the same debt on behalf of XXXX XXXX XXXX although the debt is not mine and the previous collector removed this debt from my credit report in XX/XX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I received notice of a lawsuit from   XXXX   XXXX   XXXX   on    XXXX   XXXX  , 2017  for an  XXXX  card balance {$920.00}. I contacted them and because I did not want to have this dragging out or have to go to court, I discussed with  XXXX   XXXX   XXXX , a possible settlement. I contacted the gentleman within a day, indicating a family member would assist me but could only give us {$400.00}, we agreed on a settlement of {$500.00}. I never received a letter indicating same. A settlement letter was sent to me for the amount of {$650.00}. Every time I contact the office I get the run around. I was told the letter would be sent, it was never received. When I called back I was told it could be emailed and would be received by the end of the day. It was never received. I contacted the office again on several occassions and every time there was an excuse. I have been told it has been sent and I have been told it was not sent - all by the very same individual as he is the only person I have spoken to at the law firm. I have been told there is a backlog and I was also told because in my answer to the court I disputed the debt, it had to be cleared by the original debtor, Portfolio Recovery and they could not send the settlement letter. I contacted  Portfolio Recovery  and was told they could not provide any information. It appears they are deliberately preventing me from resolving this matter by giving inaccurate information. Thank you for your assistance. I do not know whether or not the amount in question is correct, but I do not want to be hassled by these dishonest people any longer. This firm is known for and has previously been sued by federal agencies for dishonest collection practices and now I am another victim. They have never provided any proof of contract in addition.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: On XX/XX/XXXX, I heard that Experian, a site that contains the personal information of hundreds of thousands Americans, was hacked. I heard this through word of mouth, rather than through Experian, or XXXX, or XXXX. I also have been told that this hack happened in XX/XX/XXXX, and that in the months since the hack the only people who apparently knew this were their investors, who have since been pulling out. In the meantime, non-investors, AKA the rest of the country, have gone unaware of this unless they happened to click on a link on XXXX? Just 3 days ago XXXX posts an article. What 's worse, now that it 's coming to light, 2 months after the fact, it 's near impossible to put my credit ( which is a made-up thing, btw. ) to be put on a freeze. I have tried calling all 3 as well as using their websites, and all of them either disconnect me, or tell me to request the credit freeze by snail mail. The only thing I could do to my account is set up a fraud alert. That is, I will get an e-mail when someone who bought my identity off the XXXX XXXX tries to buy a XXXX in my name. To sum it up, first my identity was at risk and I received no notice, then I found out about that risk from someone that is n't Experian/XXXX/XXXX, then when I tried to eliminate that risk i discovered that there is suddenly no way to do so.

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 03/19/2017 about Debt collection (Auto) with BMW Financial Services NA, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: BMW Financial Services is using multiple debt collection services and continues to collect on an invoice that has already been paid. 
In 2016, the used XXXX from GA and now they switched to XXXX. There have been other collection services involved as well, however, I do not have access to the paper any more. 

In all these cases, we provided the sufficient evidence that the payment has been made. BMW seems to ignore that information and is switching to another debt collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I have come across an item on my credit report that does not belong to me. An account was opened fraudulently without any acknowledgement ; In other words this account was not opened with my authority or consent and I am unaware of this account ; the balance reported or am I responsible for any debts occurred on this account. Please provide me with the application for service agreement verifying my authorization of the account in question.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-01-2015 about Credit card () with AMERICAN EXPRESS COMPANY (MI).
Issue: Other

Complaint: We were charged interest and fees in the amount of {$46.00} in XXXX 2015, because American Express stated they did not receive our scheduled electronic payment. Upon further investigation with our bank, XXXX, it was discovered that indeed they were paid the full balance on the scheduled due date of XXXX XXXX, 2015. I contacted American Express ( XXXX ) and spoke with a customer service supervisor, XXXX, who refused to credit our account because I did not contact her earlier, they have a XXXX month time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Laid off, and they have no plans to lower payments, ,and they keep adding late fees,, when a person notifies a place that they lost there job, you should automatically be put on a reduced payment plan, ,with no late fees or, other charges, There are 2 accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation