milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-11-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Billing disputes

Complaint: I 've had contact with Capital One Bank regarding charges being charged to my account that I disputed for day one. Capital One contacted me and informed me that a request to XXXX XXXX disputing the charges were submitted but XXXX advised them that the charge was correct. I disputed the fact that the charge was being paid in bankruptcy not that I was not aware of the charge. Capital One is now saying they can not request the funds back to be credit to my account. This dispute has been going on for two year with no results or support for Capital One. My credit card had a credit limit of XXXX how could a charge for XXXX be approved and when dispute the fact that the charges are being paid in bankruptcy, Capital One refuse to handle the dispute even when they agreed on receiving proof that the charge from XXXX is being paid in Chapter XXXX Bankruptcy. Capital One continues to allow a charge that is over my credit limit remain on my account although they agreed they have proof that the charge is being paid in Bankruptcy. Capital One is reporting false information on my credit report and approving a charge over my credit limit that I dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have never applied to these companies. They are just putting hard inquiries on my credit score. I have tried to contact them but there has been no solution so I'm coming to you guys for your help here are the companies.

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 01-10-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Both myself and a credit agency have written and called on a three way call since XXXX to the have the " consumer disputes '' REMOVED from XXXX, and yet Equifax adds it back on just so that I have to keep a monthly account to MONITOR THEM!!!! 
Remarks " Consumer disputes after resolution Student loan - payment deferred Fixed rate ''

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (LA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company has been calling for quite some time. Usually XXXX-XXXX times a day harassing me, even calling from blocked numbers or different numbers. Usually the calls would start around XXXX and end around XXXX central time. They have threatened me to sue and have told me they will charge 20-30 % interest. I 've lost my cool and told them off multiple of times to leave me alone. I will not pay a debit that 's outrageously false. Yes I believe I owe the debit but there were fees that were false. The apartment charged me a clean up fee and some other outrageous fees. I had XXXX pieces of furniture, I was never home and I 'm clean. So no way there should have been a clean up fee. Anyhow, these debit collectors keep calling harassing me about the bill and I was willing to negotiate what I believe is owed. Ive told them to leave me alone if they were unwilling to negotiate and continued to threaten me. I 'd hang up and they would call back like 5 mins later if that! Not to mention they one day decide to call me and say I owe interest like oh hey.. the extra is for 8 month interest???? Why did n't they call me 8 months ago? How is this even legal!???? I believe I should pay what 's owed not what they think I owe ... ever since then I 've blocked a lot of there numbers ... I ca n't talk to people who try to pressure you to pay XXXX dollars for something less than 2k

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Credit card () with Synovus Bank (TX).
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 XX/XX/2015, XX/XX/2015 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 explanation
Consumer complaint received 01/20/2016 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Account opening, closing, or management

Complaint: # XXXX - XXXX 1. I took email, code to regions local bank 2. I did XXXX ATM DEBTs 3. A direct deposit more than {$500.00} was done Its say very clear, regions bank gives {$300.00} bonus, the major problem is were is the {$300.00}? 

4. Is it fake? 
5. Is it good for all bank customers? 
6. Does a bank have the right to have false claims?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint: The call rep was very rude, and i disconnected. I was calling about inquiries that i didnt do

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 03-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ID Analytics, Inc. (KS).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: want to get credit report from XXXX XXXX, some credit agency that just popped up that ive never heard from before, the other 3 I obtained my reports online, this one wants me to fax a copy of my social security card, doesnt seem safe at all, they are making it not easy to obtain my report for which i was denied 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 06/26/2017 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: there are fraudulent student loans reporting in my credit report  XXXX    XXXX   XXXX   XXXX    acct  XXXX  the item masquerading as a account reported on my credit report on approximate ly 2 wee ks ago and i never had these fraudulent loans on my trannsunion report i have all of my transunion reports and i have never had a   XXXX   XXXX   XXXX    posted to my transunion not to mention they are posted from a fraudulent address  XXXX    XXXX   XXXX    XXXX  ga this address does not exist. i have been a victim of identity theft and transunion gas my valid police report and identity theft affidavit along with a ftc report. By law and fcra and fact act they have to remove unverified and fraudulent items i am prepares to seek litigation if they do not remove these fraudulent items at once not too mention i am prepared to put transunion in commerce and bill them  XXXX  dollars a day for having items masquerading as accounts

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 08/22/2015 about Credit card () with U.S. BANCORP (CA).
Issue: Other

Complaint: Key bank transferred my balance to Elan Financial and rate went from 9 % to 15.99 % ... I have not been using this card and working to pay off the balance ... .Never late ..maybe once a few days and most often pay overlimit ... Trying to pay off still owe {$10000.00}. not aware ofthe ability of them to just raise the rate but read hear maybe not correct?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-01-2017 about Mortgage (Conventional home mortgage) with MOVEMENT MORTGAGE LLC (MI).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: On  XXXX   XXXX ,  XXXX  I applied for a conventional mortgage to purchase a  XXXX  home  with Movement Mortgage branch located in Michigan. The loan officer has been great through the whole process, the underwriting staff - Not so much. The underwriter does not follow   XXXX   guidelines or DU findings which my credit meets all FNMA guidelines. They are making up guidelines of their own ( this is n ot underwriter discretion ).     I have a property foreclosure which was included in a bankruptcy in  XXXX ,  discharged   XXXX   XXXX .  XXXX  requires 4 years of which I am alm ost at 6.  I contacted  XXXX  directly as I am also an underwriter and have been for over 20 years. Their underwriter is trying to say since the initial lender did not take the property out of my name that I must be hit again with a tax lien foreclosure. I surrendered the property and included the mortgage,  XXXX  states that is all I could do and that as long as the 4 years have passed for the discharge, I was not responsible.     I have been going back and forth with this company f or 3 weeks now and they even ordered my appraisal and now are taking back the approval due to the tax lien foreclosure, which should not be be an issue and does not even show on my credit as they can  not show it as the lender was responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Mortgage (VA mortgage) with LoanCare, LLC (AZ).
Issue: Trouble during payment process

Complaint: LoanCare has collected funds for XXXX XXXX XXXX XXXX. Since XX/XX/XXXX. In XX/XX/XXXX Loan Care messed up the loan and they admitted to their mistake. the payment was XXXX there increased to XXXX.monthly claim had no flood when did have flood. I had flood with Selective which is automatic renewable. I was making XXXX monthly payments then in XX/XX/XXXX they return check and stopped all payments. I was able to make 2 more payments over the phone when was helping to fix. Then that stopped. It took them 18 months to fix. 

The original Loan was {$110000.00} payed down to {$100000.00} in the process was forced to go through Mitigation so not to lose my home. The results of the new loan is {$110000.00} and increased interest. I have made 2 payments under the new loan now which is XXXX making XXXX payments. 

The escrow statement sent on XX/XX/XXXX shows the Flood insurance payment in XX/XX/XXXX for the correct amount. Then got letter on XX/XX/XXXX that insurance expires on XX/XX/XXXX and that the insurance needs to be increased. 

This is the same sort of letter sent in XX/XX/XXXX which they forced me into this situation I am in now. I can not go through this again. They sort of punishing me at my cost for their screw up and they trying it again. I tried contracting to no avail with LoanCare. I ask for a different Company that is legitimate with to avail there as well.

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 02/22/2016 about Debt collection (Credit card) with Allied Interstate LLC (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Allied Interstate ( a debt collector ) is calling 10-15 times per day to collect on a debt I owe for XXXX XXXX. I admit I owe the debt and have offered to pay $ XXXX/mo which they refused. They are calling my cell phone, my husbands cell phone, my work phone, and my home phone. I have asked them to stop calling and sent a cease and desist letter, but the calls continue. The rare times I answer, I get no response. These calls are 7 days/week and non-stop. I can not receive these types of calls especially at work and they are putting my job in jeopardy In the last four days I have received 48 phone calls. Again offered to make the $ XXXX/mo payments and they refused stating that was n't good enough. Please make them stop calling

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 11/24/2015 about Credit card () with CITIBANK, N.A. ().
Issue: Closing/Cancelling account

Complaint: I had a CIti Bank Visa Platinium credit card No. XXXX in the name of XXXX XXXX. According to this card if Rs. XXXX/- is not spent in the first year then at the end of first year Rs. XXXX/- would be charged. But before the end of first year my card was lost and so was blocked and no new card was issued. Due to this reason my spending was less than Rs. XXXX/- and i was in perception that my Credit card is closed. But after few months I received statement charging the annual charges and stating that my card is not closed. Form then onwards every months they are charging interest on the amount. After my several request they are not hearing my complaint. If I do n't have a card how can I use it and fulfill the minimum criteria. 
I want that Company should understand my issue and reverse the charges and close my credit card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (IL).
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: OnXX/XX/XXXX I sent a goodwill letter and an extra car payment to Ally Financial for my car loan. 9 months prior to the letter and the extra payment I had fell behind, due to a serious medical condition. In which I had made Ally Financial aware of it immediately, so there would be no issues and to no avail my situation fell on deaf ears.

The good will gesture outlined asking for them to take all of the old late payments and bad remarks off of my account and add PAANL, which is Paid As Agreed and Never Late with all three credit bureaus, XXXX, XXXX   and XXXX.

The letter also stated by cashing personal check number XXXX dated XX/XX/XXXX Ally Financial would comply with the letter it is entirety, again with removing the late payments remarks and the fact of me sending an additional payment or to return the uncashed check to me. I submitted documentation to all 3 credit bureaus, and still there was nothing done. As of now it has been 11 months and still Ally Financial and the Credit Bureaus have not removed said late payments or remarks but did cash my 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 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ERC (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have asked for validation, this account does not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Equifax continues to report unverified information and they refuse to verify the accounts in according to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ). they are required by Federal law to verify through the physical verification of the original signed consumer contract. Equifax is in violation of this law.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Certified Credit Reporting, Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I would like to have my old account that I no longer used and have already paid {$370.00} to XXXX XXXX years ago in order To unlock from XXXX XXXX so I can used XXXX XXXX. XXXX XXXX will not activate any phone that is not paid off or unlock. As of today I am still using the same XXXX XXXX phones with XXXX XXXX. Please have this {$370.00} item remove from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (CA).
Issue: Application, originator, mortgage broker

Complaint: US BANK tried to force me to purchase a higher-risk product. The bank allowed my 30-year fixed Refinance application to expire, and then suggested I pursue a XXXX ARM. This is what happened : Interest rates had fallen and I applied to Refinance my home mortgage with US Bank. I was able to lock a low interest rate of 3.375 % for a 30-year fixed mortgage on XX/XX/2016. My initial paperwork and documents were immediately submitted on the same day. I received Conditional Approval of the loan on XX/XX/2016. I quickly submitted the additional documents required for Final Approval on XX/XX/2016. Afterwards, no further supporting documents were ever requested. 

I waited for Final Approval for more than 2 months. No further documents were being requested during this time, but also no decision was being made by Underwriting. During this wait period, I checked with my mortgage officer every 1-2 weeks. I was concerned because it was widely believed that interest rates would be rising. Each time, I was reassured that the application was with Underwriting for " Final Approval ''. I was reassured nothing else would be required from me. 

But finally after 2 months, the interest rate lock expired. Underwriting never made a decision, but they never asked for more documents either. I was simply informed that the rate-lock expired, and the new interest rate is higher, and so there would be no purpose to pursue the Refinance any longer. The mortgage officer suggested I now consider pursuing the " XXXX ARM '' product with them. 

US Bank and its underwriters, mortgage loan officer and mortgage loan processor did not process my application in Good Faith. They did not request further information beyond XX/XX/XXXX. They had nearly 2 months to make a final decision with all documents and information available to them. They clearly took far beyond a reasonable time to make a decision on the application. They did not uphold their end of the bargain. The rate lock expired while the application sat in their department. It appears they purposefully undermined my application by deferring to make any decision for Final Approval by the Underwriting department, and allowed the rate lock to expire. They did not deny my application. They simply did not make a decision. 

During this time, it was widely speculated that interest rates would rise. And after the rate-lock expired, interest rates were indeed higher. I believe they intentionally allowed my application to expire in an attempt to force me into choosing a riskier product, or at least into paying a higher interest rate.

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 04-11-2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I returned home from vacation on XXXX and when going through the mail i discovered a Demand letter from XXXX XXXX XXXX XXXX XXXX telling me i was delinquent on my XXXX property taxes to XXXX XXXX on my XXXX Rose XXXX XXXX XXXX XXXX my residence ). It said if the bill was not paid by XXXX there would be additional interest and penalties and failure to pay by XXXX would result in XXXX County proceeding with levies and sale process. I immediately called Wells Fargo ( the mortgage holder ) at XXXX at night and spoke with XXXX ( XXXX # XXXX ). She confirmed that when they refinanced my old loan ( XXXX ) to my new loan ( XXXX ) back in XXXX XXXX that Wells Fargo failed to pay the XXXX taxes. She old me that she put in a work order ( XXXX ) and it would take XXXX business days to process. I asked for her supervisor and she told me that there were no supervisors available and could they call me back. I said yes. At XXXX XXXX XXXX XXXX ( XXXX number XXXX XXXX ) called me back. She confirmed that it was Wells Fargo 's mistake and it would be paid by XXXX ( a total of 18 days after the demand letter and 7 months after the initial error ). She confirmed that Wells Fargo would pay any penalties and interest. I asked her about the effect on my credit rating and was told that if i could show written proof to Wells Fargo that it adversely effected my credit they would correct it. On XXXX at XXXX I called the XXXX County Tax Commissioner 's Office and spoke to XXXX XXXX XXXX She noted in my file 1 ) I had contacted the mortgage holder 2 ) I had contacted XXXX County Tax office 3 ) The failure to pay was due to a re-fi 4 ) the bill would be paid by end of XXXX XXXX. She told me that there was a tax lien on my property and it would be removed 6-8 weeks after the bill was paid. What i do n't understand is why Wells Fargo did not catch this. Do they not have an audit process designed to catch these mistakes? Why can this not be taken care of immediately? Given my past experiences re-financing this property with Wells Fargo i do not trust them to take care of this issue in a timely manner and I will be the one to pay the price.

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 monetary relief