milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/13/2017 about Mortgage (Other mortgage) with TOWER MORTGAGE CORPORATION (MI).
Issue: Application, originator, mortgage broker

Complaint: I have been searching for a physician loan, and talking with a number of lenders.   XXXX   drew us in with a preapproval, but when it came to giving us a loan estimate, they refused to give it in the proper form, and quoted us rates that were significantly higher than the market, with fee estimates greater than {$10000.00} above what anyone else was quoting. It was obvious they were attempting to gouge us.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Resurgent Capital Services L.P. (NE).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XX/XX/2016 I contacted the collection agency to request validation of the debt they are reporting on my credit report. I was unfamiliar with the balance due and the dates listed as delinquency so I demanded statements showing my balance due and my failure to pay the alleged debt. I requested a cease of collection activity until that information was furnished. 

The company has failed to respond with any information to validate the debt they are trying to collect from me but are still reporting the information to my credit report. I am in the process of acquiring a business and this erroneous credit item could greatly impact my ability to obtain financing and impede on my ability to earn a living.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Loan was delinquent. Ended up paying off the vehicle but vehicle is showing as charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Debt collection (Medical debt) with Focused Recovery Solutions, Inc. (VA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have sent several certified letters to Focused Recovery Solutions Inc stating I am disputing the current debt the company had been reporting to all three credit bureaus, I have asked for proof of a signature bearing my name. I was told they will not respond to any further letter or correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (OH).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I purchased an XXXX watch with XXXX XXXX  on XX/XX/XXXX using my XXXX XXXX Card. I understood that using an XXXX XXXX card provided an additional 1 year of warranty for purchased products. The watch broke on XX/XX/XXXX, which would have been 10 days after the 2 year XXXX XXXX expired, but within the additional 1 year from XXXX XXXX. I filed a claim with XXXX XXXX and received a letter today denying the claim because I purchased the watch with a " XXXX '' XXXX XXXX card. I was told that while XXXX XXXX and XXXX is a partnership, it is really not an XXXX XXXX card. I asked about my XXXX XXXX XXXX card and was told that, " well, yes, that is another partnership but with that one, it is actually an XXXX XXXX card and you do have all the extended warranty benefits with that one, but not with the XXXX XXXX XXXX card. Who knew ...! In my opinion, it is reasonable to assume that an XXXX XXXX card is an XXXX XXXX card. The XXXX XXXX logo is prominently displayed on the bottom right corner of my XXXX XXXX XXXX XXXX card in the typical blue box XXXX XXXX logo. I have always trusted that both XXXX XXXX and XXXX XXXX are reputable companies ; however, this experience makes me question that assumption. I would assume that a company, especially like XXXX XXXX, would not be willing to put their name on a card that does not represent XXXX XXXX well, but then we all know what they say about assumptions! I was told by XXXX XXXX customer service that they just put their name on the cards, but they are not responsible for what they do ... .pretty astonishing in my opinion. I was also told there is nothing that XXXX XXXX can do ... which I find a little hard to believe.

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 10/31/2015 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian is reporting an account from XXXX XXXX XXXX, which is incorrect.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 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: Personal information incorrect

Complaint: I was unable to dispute these new claims online with  XXXX . I was not allowed access using my credit report number. I did not request any personal statement. The personal statement " FILE FROZEN DUE TO STATE LEGISLATION. '' I want removed.     I want the  XXXX    XXXX   account that was closed in  XXXX  removed as well as the negative statment " This item was updated from our processing your dispute in  XXXX   XXXX .     I want the  XXXX   XXXX   XXXX  statment in the comment section removed : '' Account previously in dispute-investigation compelte, reported by data furnisher. '' These claims paint me in a negative light when I work very hard to keep my credit information pristine and accurate. Why does  XXXX  make it difficult or impossible to dispute and access my credit report online using a free credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2017 about Mortgage (Conventional fixed mortgage) with BB&T CORPORATION (NC).
Issue: Loan servicing, payments, escrow account

Complaint: 3 months ago we refinanced our mortgage with another bank, BB & T has not returned our escrow balance of {$2200.00}. We never had been a single day late for payment while we hade mortgage with them. So this is their way to make sure we never come back! Past 3 months we called so many times, even went to branch manager for help us but all we had is empty promises : " 2-3 days '', " 24 hours '', ... etc everything but refund 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 explanation
Consumer complaint received 03/31/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SD).
Issue: Improper use of my credit report
Sub-issue: Received marketing offer after opted out

Complaint: XXXX reported on my Transunion Credit Report on the following dates : XXXX/XXXX/15, XXXX/XXXX/15 and XXXX/XXXX/15. I did not inquire any information regarding this company. These are XXXX hard inquiries.

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 10/16/2017 about Credit card or prepaid card (General-purpose prepaid card) with NETSPEND CORPORATION (TX).
Issue: Unexpected or other fees

Complaint: NetSpend has questionable business practices. I noticed my balance dwindling so I called to clarify the unauthorized charges that appeared to be mistakes. 

I was not informed of the {$2.00} charges for ATM usage. Then I noticed {$1.00} fees which did n't make sense which they later stated was due to my card being declined at the ATM! 

Why would you charge someone who did n't have enough funds to withdraw money in the first place? None of the fees were I made aware of until it occurred. This company is very shady. Please investigate further.

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 09-08-2015 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH (MI).
Issue: Problems caused by my funds being low

Complaint: My bank is small and only in Michigan. I was out of town for 3 weeks and needed to make a deposit via an app in order to avoid an overdraft fee. First Merit Bank does not allow overdrawn accounts to use any online/app features. So I was unable to make the deposit necessary to avoid the overdraft fees. They also would not close or suspend my account ( because it was overdrawn ) to avoid the overdraft fees. So XXXX {$35.00} overdraft fees were charged for being {$0.00} overdrawn with no means available to me to make a deposit while out of state, or stop further overdraft fees from being added. First Merit asserts that I must pay these fees or have them negatively affect my credit rating. This is the definition of criminal activity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-03-2016 about Credit reporting () with Screening Reports Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I did not authorize Screening reports, initially i submitted an application for an apartment, but I decided against it. I called the leasing agent and let her know I was no longer interested in living at that complex. The leasing agent kept my application fee of course, but she was not supposed to pull my credit report. I never received any information in regards to being approved, denied, or just a follow up. My information was wrongly used and pulled after the leasing agent informed she would shred my information. Upon calling the company they confirmed that they had my signature to pull my information after the fact. I last month inquiring of why I had a credit inquiry from a company that my information was still pulled.

Company response to consumer: Untimely response
Consumer complaint received 09/15/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NC).
Issue: Bankruptcy

Complaint: I filed for chapter XXXX protection 5 years ago and discharged/paid off the protection. I tried to get a home equity loan for repairs because a negitve by American Express still on my report that should be removed since they were XXXX of the creditors that were part of the bankruptcy. Why is this negative report still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (FL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I made a credit application with Chase XXXX XXXX after reviewing the program on XXXX and XXXX, both of which identified that the {$85.00} annual fee is waived the first year. My first statement came in with the {$85.00} enrollment fee. I called customer service and they acknowledged that their website does offer that and that they would review and probably refund the {$85.00} fee. I received a letter two weeks later saying that I made application with a different offer and that I owe the {$85.00}. I called customer service and explained the situation. The response from both the representative and supervisor on XX/XX/18 was sorry there is nothing we can do. I immediately cancelled the card for fraudulent and misleading business practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/21/2016 about Mortgage (Conventional fixed mortgage) with MOUNT OLYMPUS MORTGAGE COMPANY (MN).
Issue: Application, originator, mortgage broker

Complaint: I received a solicitation in the mail that appeared to be from the mortgage company I originally got my loan from. I called the number, and they played right along that they were the same company I previously use. Later on I realized they were not the same company, They used a trusted company name I knew to try to fool me into doing business with them. This is straight up bait-n-switch advertising that has no place in commerce.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Mortgage (VA mortgage) with Stearns Ventures, LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: made a prepayment plan for XXXX payment to be pay in a 6months period paid it off early and when we did found out they had been reporting us as late in our credit report when we started the plan was not advised they would do this or that it would stay on our credit report for 7 to 10 years, which makes it hard for us to refi at a lower rate. we held up our end and even paid it off early we think they should remove it from our credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Debt collection (Medical debt) with Healthcare Collections-I, LLC (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I do not recall giving permission to Healthcare Collections or XXXX XXXX XXXX XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 

Attached please find a copy of the response from Healthcare Collections Inc., included in the response is the letter I sent to the company and initials indicating they recieved it. I have blacked out any personal information contained on the bills and am attaching them to this complaint for the only purpose to show the HIPAA violations. I have not recieved nor have I ever signed paper releasing my medical information.

Also I was covered under the Arizona Medicaid program XXXX health care at the time of this hospital bill. The insurance information was provided to the company at the time of service. I was not notified that this account was in arrears or that it would be sent to collections. The bottom line is that XXXX should have been billed for this service, and companies are not allowed to balance bill a patient with Medicaid.

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 08-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: On XXXX XXXX, 2016, I requested my transunion credit report. I received it ( file XXXX ) and submitted a dispute form regarding an account with XXXX and XXXX on XXXX XXXX, 2016. I did not receive a reply from Trans-union. The same inquiry was submitted to XXXX and XXXX and both have communicated to me since that date. On XXXX XXXX, 2016 I wrote Transunion a letter stating that my XXXX XXXX dispute had not been addressed. I submitted a copy of the original dispute form as well as requesting that Transunion report the disputed XXXX account accurately pending the results of the dispute. To the date of filing this complaint, XXXX XXXX, 2016, Transunion has failed to address my dispute.

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 12-07-2016 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Unsolicited issuance of credit card

Complaint: I received a notice from my ID protection service that a credit inquiry was made. My service indicated it was Chase bank and since I do business with Chase, assumed it was OK. XXXX weeks later as received an XXXX credit card with a XXXX limit. This card was never requested The card was sent to my home address. I called to report and Chase considered it fraud. I asked for documents used to authorize the request but was told that is " confidential '' A quick review of the complaint database indicates that this has been happening a lot. I would like to find the real facts on this breach. Is this an issue at XXXX or Chase? Is this another example of a bank employee opening accounts to win awards? It is frustrating that Chase will not take any responsibility to find the issue given the frequency this seems to be happening.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (OH).
Issue: Struggling to pay mortgage

Complaint: Wells Fargo Mortgage.  We went to reinstatement asked for a lower payment they wanted {$2300.00} a month we offered {$1600.00} to catch up they did another check came back with same payment  XXXX  we cant afford we want to keep our home but this too k 4months n ow were behind on  11  payments and they want {$10000.00} by   XXXX   XXXX  2017    do n't have and they will not work with us. They want to foreclose on this property so they can make money! Sad ....   XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Credit card () with Alliance Data Card Services (NY).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX    XXXX   I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/19/2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NC).
Issue: Managing the loan or lease

Complaint: This car was paid from the dealership and using a instrument through set off. I did n't hear anything from they have n't sent me anything via mail and additionally they are still reporting on my credit report as the account was charged off. When contacting the company I am unable to get information via telephone or mail. They just keep giving me the run around and no one seems to be concerned about the defamation of character I am experiencing and no one wants to give me. Home loan because of this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2018 about Debt collection (Other debt) with ProCollect, Inc (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Procollect has continuously violated my consumer rights in more ways than one. I have Attached a Letter from the Apartment Complex stated the Debt is not owed. If the debt is not removed from the 3 Credit Bureaus I am filed a Civil Violation with the XXXX XXXX XXXX as well as my State Attorney Generals office for all Violations which entitles me to {$5000.00} per Violation. This is hereby notice to delete the account within the next 30 Days to avoid legal action. 

I will be suing for the following 1 ) Debt Not Owed 2 ) Defamation of Character & Damages to Credit Report 3 ) Procollect is not bonded is licensed to Collect in the State of Texas.

4 ) I do not have any business or contact with Procollect

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 02/26/2016 about Mortgage (Conventional fixed mortgage) with AMERISAVE MORTGAGE CORPORATION (KS).
Issue: Loan servicing, payments, escrow account

Complaint: When I signed my loan docs with Amerisave Mortgage the contracts said : " You have the right to request that the PMI be canceled, at your option, on either of the following dates ( " the cancellation date '' ) : ( XXXX ) The date the principal balance of your loan actually reaches 80 % of the original value of the property, based solely on your actual loan payments. '' I contacted them inquiring about paying down my loan so I could attain XXXX % equity and now they sent me a letter saying I must have approx. XXXX % equity before I am allowed to cancel the $ XXXX/month PMI payment. I have called multiple times to address this and they will not comply with my loan contract.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Credit card () with STATE FARM BANK, FSB (FL).
Issue: Other

Complaint: This is a complaint against State Farm Credit Card, the reason for this is because they have n't put the credit in my favor when already paid in full and deducted from my bank account, how many days it will take to unlock my card, I called in several ocaciones and is only a negative answer, this is a joke against me. and they will more than 7 days and still have not put the credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: Chase had made no attempt to modify my loan. Was even laughed at ( yes-in person at the bank! ) when I asked to have my loan modified. Since, I have had increased fees and even accusations of fraud with demand for replacement and service fees. A second attempt was made last year - they refused. I did NOT pick the mortgage company-the loan was sold back in 2010.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Debt collection (Payday loan) with Solidus Group LLC. (NM).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Company continues to call after being asked NOT too, harrasses, uses vulgar language and name calls, impersonates police officers and state authorities, makes false claims about opening criminal cases for not paying debt. Caller has never validated debt by mail or by phone, and will not allow caller to submit identity theft paperwork or police reports to their office. multiple callers will get on the line and shamelessly bash you into the ground.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation