milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/21/2017 about Mortgage (FHA mortgage) with Unifirst Mortgage Corporation (MD).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: On XXXX XXXX 2017 I had spoken with Unifirst Mortgage. I had clicked on preapproval on the XXXX Application. I was contacted by XXXX XXXX via phone call by their office. It was at that time I expressed I was only looking to see if we, my husband and I could even get a preapproval. I had zero understanding on the process and expressed this. I was charged a fee to go foward with submitting an application. I was told we would have to get a FHA loan. I later found out with my husband from a local company we are actually able to get a USDA loan, which we are going foward with. I contacted Unifirst to get my money back and was told the payment was actually for a credit analysis. This was not what we was trying to do. We only followed instruction by the loan officer 's at Unifirst, thinking this was an only option. We found out again, this was wrong. I felt uncomfortable at the time paying for an application and am still upset over the fact, that I was dismissed and no further contact was given after I requested for the refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HYUNDAI CAPITAL AMERICA (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My most recent credit report shows that Hyundai Motor Finance ( HMF ) reported me as delinquent on an account that, according to the records I see on HMF 's website, was paid in full on X/XX/17, and is currently owned XXXX balance. I traded in my leased vehicle for a new leased vehicle 1 month before my lease was up. The remainder of my lease payments were rolled into the balance for the new vehicle and the remainder on the old lease was paid on X/XX/17. 

I have yet to contact HMF regarding this, as it is Saturday, and their customer service line and lease end support lines are closed until Monday. HMF reported my account to the credit bureau with no prior contact to me, written or otherwise, as to the delinquent status of my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/21/2016 about Debt collection (Credit card) with Allied Interstate LLC (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was scammed on my XXXX credit card by someone I met on line at a dating site called XXXX. I have sent all this information to XXXX Credit Card and they will not forgive the amount of money I was scammed. I live only on Social Security and can barely make ends meet. XXXX has been harassing me for this money and they have turned me over to a debt collection agency. I have reported this to my local police department, Internet Crime Complaint Center, the Federal Trade Commission, And now to you the CFPB.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/31/2016 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Using a debit or ATM card

Complaint: I reported fraudulent activity on my account at Huntington Bank as soon as I noticed. I reported it online and was told to go into the branch to fill out a report. I did this and was granted a provisional credit a few days later on XXXX/XXXX/16. After about a month, I went into the bank to ask when I would know if the credit was no longer provisional. The bank teller looked into my account and gave me a date about 3 weeks later when my file should have been reviewed and the decision made. A few days after this date, I talked to a representative online and was basically told the bank teller had no idea what she was talking about and the bank had 60 days to make a decision. It has now been well over 60 days and I can not get an answer regarding the status of the provisional credit.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Deceptive and contradictory information via phone so there is no evidence to document. Departments that seem not to communicate with each other causing errors that affect the loan it 's self. Lack of documentation. Previous payment information that almost impossible balance. No yearly ledger. Also School is no longer in business XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: After submitting all required and requested documents in support of a loan modification, servicer has sent a letter saying application is incomplete and they will not be reviewing the application for modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Credit card () with WELLS FARGO & COMPANY (CA).
Issue: Billing disputes

Complaint: I HAD A VERY SMALL AMOUNT THAT WAS OWED TO WELLS FARGO BANK CARD AND BECAUSE OF A DISPUTE AND REQUEST FOR A REFUND ON A FEE THAT WAS CHARGED, I WAS ASSIGNED A 30 DAY LATE NOTICE WHICH HAS REALLY HURT ME GREATLY. 

I WAS EXPLAINING TO THE WOMEN THE REASON THAT I WAS NOT PAYING THAT AMOUNT AND ALSO TOLD HER THAT I DID NOT HAVE THE FUNDS AT THAT TIME AND SHE WAS ANGRY CAUSE I DID HAVE THE AMOUNT IN MY ACCOUNT. I NEEDED THAT FOR OTHER REASON AND SAID I WOULD PAY IF I HAD TO IN A FEW DAYS BUT NOT NOW. SHE DECIDED TO GIVE ME A 30 DAY LATE WHICH HAS HURT ME BIG TIME OVER THE LAST 6 YEARS. 

I AM A XXXX AND I AM IN NEED OF THIS TO BE TAKEN OFF MY RECORD IMMEDIATELY. IT HAS BEEN OVER 6 YEARS AND 4 MONTHS AND WILL COME OFF IN 8 MONTHS AUTOMATICALLY. NEED THIS OFF NOW, THIS IS THE ONLY 30 DAY LATE I HAVE HAD IN OVER 10 YEARS. I HAVE PAID ALL MY BILLS ON TIME WITH A PERFECT SCORE EXCEPT FOR THIS ONE 30 DAY LATE WHICH IS CAUSING ME TO BE TURNED DOWN FOR CREDIT

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 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have disputed and had an account and bankruptcy deleted BUT equifax continues to reinsert fraudulent information ... an collection for {$600.00} from att credit as well as a BANKRUPTCY CHAPTER XXXX .... these are not mine and Im uploading two credit reports to show that these items were not on my report yet magically reappeared

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (OH).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I opened up a SPG Preferred Guest American Express card on XXXX XXXX, XXXX after being enticed by the promotional offer of XXXX Starpoints after {$3000.00} in purchases. I quickly met the spending requirement on XXXX XXXX, XXXX, however my bonus points were never credited to my account. I was planning on booking a vacation using these points, however I was unable to because of the delay. 

I have called American Express multiple times and they have been unable to resolve my issue. I am frustrated because I see this as deceptive marketing combined with inept customer service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Back in XX/XX/XXXX, I had a XXXX phone account in my name. I eventually XXXX to the XXXX XXXX and I canceled my XXXX account under the XXXX. About two months, into my XXXX, I received a notice that a collection account had been established on my credit report on all XXXX bureaus by Midland Funding on behalf of XXXX for failure to pay my cellphone bill. In good faith, I paid Midland Funding the amount requested. I then called XXXX and advised that I had canceled my cell phone account under the XXXX They advised me that they would contact Midland Funding and request that the account be taken back off my credit report. I then verified it was taken off my credit report. Then in XX/XX/XXXX, it reappeared on my credit report. I worked with Midland Funding and the XXXX to get it taken off once again. Then back in XXXX XX/XX/XXXX, it appeared for a XXXX time. However, this time it was being reported XXXX. It was being reported this way to all XXXX major credit bureaus. Once as a collection that was paid and closed and then again as an open, unpaid collection account. I called Midland Funding to complain and was told that they had no knowledge of this account. I then called XXXX Credit Services and XXXX to verify what I saw on my credit report and they confirmed it. I then called Midland Funding back and they all of sudden knew what account I was referring to. They advised they would not do anything to help except maybe send a refresher report to the credit bureaus. They also advised that the last time they reported on this account was back in XXXX. I then called the XXXX Bureau directly and they advised that the last time the account had been reported on was in XXXX and XX/XX/XXXX, no back in XX/XX/XXXX. They also advised that Midland Funding had requested some changes to my credit report, XXXX of which deleted the double reporting of the collection account. So basically, Midland Funding lied to me about when the account was being reported on and submitted some changes to my credit report behind my back to try and cover themselves. At least this is my thought. As of right now, my credit report still shows all credit report bureaus reporting an account in collections as well as the account being paid in full. 

Midland Funding ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/26/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: ditech mortgage through erroneous handling of payments I made on my mortgage is claiming that I owe a larger principal balance than is accurate. 

I have spoken with them multiple times, and provided supporting documentation, but they have failed to contact me in return once all information was provided to them - they fail to contact me to resolve the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (MN).
Issue: Struggling to pay mortgage

Complaint: I applied for Mortgage assistance with Carrington Mortgage for the second time on XX/XX/XXXX because my loan is in foreclosure and I am having trouble making the payment and getting the loan current. Before that I applied around XX/XX/XXXX and they came to decision and denied me because I did n't have enough income. I applied again on XX/XX/XXXX because my income changed. It 's NOW XX/XX/XXXX and I still have not had any progress with Carrington mortgage to resolve my issue. The normal process takes 30 days to reach a decision if they can help or not and I have n't got to that point yet because I 've been getting the run around. The issue I am having with them is that they keep asking for the same paperwork and documentation to complete their mortgage package. ( divorce decree, other borrower financial information, letters of explanation, etc. and they keep asking for a Quit claim deed from the other borrower who has no interest in the property since I was granted my divorcee. Also I was abused by the other party and there is a current OFP on file for the next 50 years that the other person can not contact me. I have talked to several employees and Supervisors about this issue and no one seems to know why they keep requesting the same information from me and keep opening and closing my file when they know my foreclosure date is approaching very soon. I have faxed, email, and uploaded everything they needed to start the process and I have not got anywhere. In Minnesota you have 7 business before the foreclosure date to submit a request for mortgage assistance and do to this issue I am concerned that I will not meet that deadline. My situation is complicated and I would like to explain in more detail in person or the telephone. Since I have started this process with Carrington mortgage I have suffered a lot of emotional stress, pain and anxiety because I have done everything I need to do to keep my home and I feel Carrington mortgage is not understanding to that. If possible I would like all the notes and phone calls pulled from them so someone can see in detail what I have been through these last 3 months. Please if you can help I would appreciate it. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My brother and I have the same first name and last name with different middle names. We have different birthday and social security numbers so we did n't expect the report to be mixed up. This can create some issues. For example, my brother just got a car loan but it 's not my car loan. When I wanted to ask for credit report, they asked me if I have a car loan which I do n't have but they said the identity test failed. It 's really stupid because they could have checked that the middle name, date of birth, and SSN are different.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (FL).
Issue: Deposits and withdrawals

Complaint: the " loan '' was induced by fraud. As there was not full disclosure to the material fact ( s ), In order for any contract to be valid, there must be 'full disclosure ', 'good faith ', 'valuable consideration ', and 'clean hands '. Which amounts to ; 18 U.S. Code 656 - Theft, embezzlement, or misapplication by bank officer or employee. 

1 ). I was not told that the Federal Reserve Policies and Procedures and the Generally Accepted Accounting Principles ( GAAP ) requirements imposed upon all Federally-insured ( FDIC ) banks in Title 12 of the United States Code, section 1831n ( a ), PROHIBIT them from lending their own money from their own assets, or from other depositors? The bank did not tell me where the money for the loan was coming from. 

2 ). I was not told that the contract I signed ( promissory note ) was going to be converted into a 'negotiable instrument ' by the bank and become an asset on the bank 's accounting books. Further the bank DID NOT tell me that my signature on that note made it 'money, ' according to the Uniform Commercial Code ( UCC ), sections 1-201 ( 24 ) and 3-104. 

3 ). I was not told that my promissory note ( money ) would be taken, recorded as an asset of the bank, and be sold by the bank for cash - without 'valuable consideration ' given to obtain my note. The bank did not give me a deposit slip as a receipt for the money I gave them, just as the bank would normally provide when one makes a deposit to the bank. 

4 ). I was not informed that the bank would create an account at the bank that would contain this money that I created by endorsing the promissory note. 

5 ). I further was not informed of the material fact that a check from this account would be issued with my signature, ( 10 U.S. Code 923 - Art. 123. Forgery ), and that this account would be the SOURCE of the funds securing the check that was misrepresented to me as a " loan. '' 6 ). Money is created on deposit, where the amount of the initial deposit is hypothecated XXXX in what is called " money multiplier. '' 7 ). " Fraud destroys the validity of everything into which it enters, '' XXXX v. XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with North Shore Agency, LLC (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I responded to a mailer from XXXX promising they would pay up to {$650.00} for a return of my cell phone business. The mailer did n't say that you had to purchase a new phone from XXXX, also it did n't say you had to purchase that phone, yearly, yipes i have a phone not a year old i ca n't work yet. so i did agree and signed an electronic agreement, BUT LESS THAN 2 HOURS LATER CHANGED MY MIND AND CALLED XXXX BACK, saying NO i do n't want this. the woman on the phone claimed that the new phone had already been mailed ( yeah right ) and all i had to do, once receiving the phone, was to return it to any XXXX store. well that was the 2nd lie because the first XXXX store i went to said NO i needed to take to a corporate store, so on to a XXXX corporate store i went, now XXXX miles from my starting point. i returned the box UNOPENED and got a receipt. the events are so : XXXX XXXX responded to the mailer, XXXX XXXX called XXXX to say i changed my mind, tried to cancel. XXXX XXXX phone delivered by XXXX, XXXX XXXX took phone to XXXX XXXX store @ XXXX XXXX XXXX, XXXX XXXX XXXX. MY RECEIPT READS MACHINE ID : XXXX, REGISTER # XXXX, served by XXXX ( initials ) also other # on receipt read XXXX, DATE : XXXX/XXXX/2016 XXXX. XXXX XXXX I received a e-mail saying i made a payment of {$39.00} ( i did not ) and that i owe {$130.00}. On XXXX XXXX XXXX disconnected my XXXX PHONE ( OR TOOK MY PHONE NUMBER FROM XXXX ) I was at work and was without a phone all that day having to go to XXXX to get my phone number back. XXXX XXXX i get a e-mail still from XXXX saying i owe {$100.00}. on XXXX XXXX i called back to the corporate store talked to 2 people last one saying HE would have to call XXXX and it would take some time to get this worked out and he would call me back ( HE NEVER DID ). on XXXX XXXX i get a e-mail saying i owe {$100.00}, on XXXX XXXX i get a e-mail saying i have a {$2.00} credit, on XXXX XXXX i now owe {$130.00}. XXXX, XXXX i receive a collection notice for {$130.00}. P L E E Z E can you stop the madness.

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 EQUIFAX, INC. (CO).
Issue: Problem with fraud alerts or security freezes

Complaint: My information was apparently compromised in the Equifax hack. Now, there is no way for me to freeze my credit to prevent identity theft because their phones and their website are down. I need my credit frozen immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ERC (PA).
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: XXXX XXXX XXXX reported a collection account to all 3 major credit bureaus. I disputed the item and XXXX and XXXX deleted the collection account from my report. XXXX provided me with their " investigation '' results almost immediately upon me filing my dispute and advised the item was " verified as reported '' and that the account in collection belongs to me. 
I am afraid to continue to dispute this item for fear that out of spite the collection agency will re-file their report of this account that is not mine to XXXX and XXXX and I will be back at square one. Can a collection agency do that? What are my rights to demand XXXX stop reporting a collection account that XXXX and XXXX  investigated and determined it is not mine and deleted it?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (AR).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I sent in XXXX checks to Wells Fargo Educational Financial Services. They only cashed XXXX check and when I called to ask about the status of XXXX check they were less than helpful. The first lady that i spoke to first blamed me for putting XXXX checks into the same envelope.Then after a few minutes of that blame-game, she blamed me saying that i sent the XXXX check to the wrong address ( which is impossible because they were XXXX in the SAME envelope ). I told her how they were XXXX in the same envelope and she continued to blame me. When i asked her how Wells Fargo was going to fix their error all she could respond was " I Do n't Know, maybe put a stop payment on your check and send in a new one TO THE CORRECT ADDRESS ''. So i ended the phone call with her and called my bank to start the process of doing a stop payment. Only problem is it is {$25.00} fee for a stop payment. It was upsetting that Wells Fargo wanted me to spend {$25.00} dollars because of their error, it was unacceptable. I called Wells Fargo back to speak to another representative about how the problem will be handled and if Wells Fargo does reimbursements for doing a stop payment.The second rep was a lady named XXXX, she could not find my check either. She then spoke to her manager and let me know that they have a " Mail opening machine '' and " It is not common, but also not unheard of that the machine will remove multiple checks, scan one in and then shred everything in the envelope, leaving no trace of the XXXX check ''. Which means that you have no way of proving to them that you made your payment on time or even early. I think it is very irresponsible of them to lose a check because they penalize and give late fees for their error. In the long run this could affect your credit score, the minimum payments remaining and just a terrible situation.

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