milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BB&T CORPORATION (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XX/XX/XXXX, I visited XXXX XXXX XXXX to be added to my aunt 's checking account as an authorized user. I was told there was an account from BB & T that does not belong to me, instead belongs to my mother. My mother, XXXX XXXX, filed for bankruptcy Case # XXXX on XX/XX/XXXX and debt was discharged in XX/XX/XXXX. However for some reason, this is showing on my XXXX report. This is not my account and I was a minor..

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 11-03-2017 about Mortgage (FHA mortgage) with Ditech Financial LLC (VA).
Issue: Trouble during payment process

Complaint: My wife, XXXX, and I started to see discrepancies in our statements that did not match up with any normal late fee charges. On our XXXX/XXXX/XXXX statement from DiTech it showed a charge ( XXXX ) added. When we contacted XXXX @ Ditech on XXXX, we were told that they did not receive any payments for XX/XX/XXXX The statements show that the payments we were making were going into a " Misapp Rev '' account. XXXX saw a problem and stated that she would send the account for review to have it corrected. We continued to receive statements with more collection messages threatening to foreclosure on our home. In XXXX, there were XXXX XXXX in the family and in XXXX my wife contacted DiTech to ask for an extension. They refused because they told her they did not help with that because we had a XXXX XXXX XXXX loan. So, this year we have made some late payments but every month was paid in the end. We show that we are paid in full at this time and are getting ready to pay XXXX 's payment. On XXXX we contacted XXXX again and were told that an audit was done in XXXX XXXX and payments were found from XXXX XXXX that were kicked back. No information would be given on where they went. Further review shows that payments we made to the prior mortgage company ( XXXX ) were on Ditech 's page and {$3700.00} payment was not one we made ( from XXXX transfer? ) A payment we show from XXXX XXXX is not credited to our account as well. It looks like DiTech took the difference in these amounts and reallocated somewhere and now are saying we owe and are in default of our loan. We agree that payments have been late BUT every payment was made from XXXX XXXX present when XXXX transferred the loan to DiTech XXXX We do not understand why we are being told to go to our bank and collect the last 2 years of statements to prove we made a {$2400.00} payment when that is not an amount we would have ever paid. It seems as if DiTech made a numerical error when the loan transferred and they are now making us responsible for paying for it. Is n't it their job to SERVICE the mortgage and not take advantage of homeowners? Any help you can provide in assisting with this matter would be GREATLY appreciated. We will be in contact with a lawyer to go over the details because we no longer feel safe in providing additional information to DiTech for them to attempt to use it against us.

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 04/24/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (NC).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: On about end of  XXXX    XXXX  , I applied for a Best Buy Store Credit Card after researching about the benefits and rewards that is advertised on their web site. I did this after I went through researching the unclear advertising of the credit card, when I contacted an online representative to check how it works and also showed up in a store branch to re-check and confirm the credit card service and its benefits. The representative at the store confirme d that 1 ) I can finance 2 ) and receive the % 10 ad vertised rewards for th e 1st purch ase using that card. She also applied for me when I was there. At the same time after she applied, she used the card information with my approval to make a purchase of about {$3000.00} of computer items in the store.     I did not receive the  % 10 rew ards after a while when I showed up again in the store and someone told me I have to wait more as it may take up to 3 months for the rewards to be available on my account. On  X/XX/2017    when I escalated the case to Best Buy customer service, I was told that I have lost my %  10  rewards because of opting for financing.   Customer care stated the store representative who had applied for the credit card and made th e 1st  purchase for me on  XXXX  had failed to either apply for a %  XXXX  coupon or did not have appropriate training to know about how this promotion works. Either case, I made my decision to apply for the credit card for the benefits that was advertised which was also finally confirmed by the store represantative and I 'm disappointed about false information or unclear advertisement of this credit card service. I would have never applied for opening a credit card only for financing, and I could make this purchase for a much better price from another store if it was n't because of the 10 % rewards that is advertised on BestBuy.com web site.

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 06/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: In XXXX of XXXX XXXX changed from XXXX Bank to XXXX Bank. With this change there was a payment issue that I was unaware of which put my account into delinquency. 
In XXXX of XXXX, I moved. With the change over that happened within this window, the Address was not accurate or the phone number. Defaulted to old information somehow. On XXXX XXXX I spoke with XXXX in length. She was able to confirm the errors on XXXX Banks behalf. She also expressed this happened to many people. She waived all late fees, removed all interest charges, and confirmed my inaccurate contact info. 
She updated all reimbursed me for everything, and my account was brought to XXXX balance. She assured me they would send a letter to remove all three negative remarks on my credit. That never happened. I have called since then on XXXX XXXX as well as today, XXXX. All three times they are able to confirm the notes from XXXX, but are unable to confirm why the request to remove from credit was denied. Today, XXXX confirmed that it was do to several delinquencies. There were XXXX, XXXX from the initial switch, and XXXX in XXXX with the move and inaccurate info- rmation on their end. All of these were an error on the behalf of synchrony due to the switch. Once the error was caught it was immediately rectified on my end and account was brought to zero.

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 10-01-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I would like to file a complaint against Bank of America XXXX XXXX Department. With property value dropping below original Mortgage, Bank of America sold my 1st. Mortgage, knowing that I would not be able to refinance nor get a Loan Modifcation once the 1st and 2nd Mortgage was with XXXX different Lenders. In XXXX XXXX Bank of America received my Loans from Countrywide. In XXXX XXXX I applied Loan Modifcation requesting that the XXXX loans be combined. Not only did Bank of America kept losing my documents, and claiming they did not receive them. But they also claimed no correspondence received, it took until XXXX of XXXX, for them to process my loan. They only process the 1st Mortgage and never process the 2nd Mortgage. But sold or Transferred the 1st Mortgage in XXXX XXXX to another Lender. When I tried to reapply for various programs such as " Make Home Affordable, XXXX, Harp '' or to Refinance I was told I do not qualify because my 1st and 2nd has to under the same Lender, when there is not have enough equality in your property. Bank of America being a lending institute was well aware of what would happen once they sold the first Mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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: Since XXXX, I have reported that I am no longer liable for this account since it has been 7 years that it was first reported to Equifax. This account is for XXXX XXXX which has been closed for over 10 years. I have repeatedly requested that Equifax remove this account from my credit report but they continue to disregard my wishes. This account was closed in XXXX and should not be on my report anymore. The creditor reported this account again to Equifax on XX/XX/XXXX due to my dispute did not delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Debt collection (Auto debt) with CCS Financial Services, Inc. (CT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt was paid over 5 years ago to XXXX XXXX and now it has been sold to a collection company name XXXX XXXX XXXX and it is currently being displayed on all three credit bureaus and I would like for this to be removed from all three credit bureaus as soon as possible

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stuart-Lippman and Associates, Inc (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was sent a collection notice by Stuart-Lippman and Associates for a debt or over four years ago. I do not have any knowledge of these alleged debt. Furthermore I was a customer of the original creditor XXXX for years at the same time I was supposedly to have owed this alleged debt and was never notified by them. On XXXX/XXXX/XXXX I was notified by the above referenced collection agency that I owed {$270.00} with XXXX as the original creditor. I contacted XXXX to be informed that I was being charged for not reporting the sale of an automobile to them in XXXX of XXXX. I dispute this to the fullest measure. They allege That I did not make a payment and after two months canceled my policy. After all the cancelation fees were added up it was {$270.00}. Again I was a customer of XXXX for years and was never notified of this alleged debt. I was only notified after I canceled my policy with XXXX due to moving out of state.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: There is an account ( XXXX ) listed on my consumer report as a derogatory account, that has been closed for 8 years, and all XXXX agencies refuse to delete the account.

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 10/24/2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (GA).
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint: I submitted a 609 letter to the credit bureaus the accounts were removed for a week and placed back on 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 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I had a 90 fraud alert put on my credit report due to some unauthorized hard inquires in the past few months. I have reached out to the furnisher 's and informed them of the situation and most if not all have sent a response. I have collected them in order for the credit reporting agencies to act swiftly in this regard.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (FL).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I spent {$25000.00} using my American Express Gold Delta card in XXXX, XXXX, and XXXX. American Express should have credited XXXX points to my Delta Skymiles account and reported to Delta the amount spent with the card. American Express reported only {$4000.00} as the amount spent to XXXX XXXX. It did n't credit the miles to my Delta Skymiles account nor did it report the dollar spent in XXXX and XXXX which amounts to more than {$21000.00}. I called to XXXX XXXX to inquire. Delta asked me to contact American Express. I have contacted American express four times and one of them I conferenced in XXXX XXXX. I have spent more than five hours following on this matter. American Express finally realized there is an issue. But, so far nothing has been done. I have attached evidence of my spending and also evidence of the amount not showing on XXXX XXXX side.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (PA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I have an American Express Blue Preferred credit card. When it recently renewed, I was charged the {$95.00} annual fee. I am never late with payments and never incur any finance charges ; however, I incurred a modest interest fee last month because the annual fee is treated as a cash advance and begins accruing interest when it is posted to the account. There is no possible way to avoid the assessment. 

I lodged an inquiry with American Express and they have since credited the interest back to me ; however, this policy strikes me as unfair, though probably very profitable for American Express.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/17/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On   XXXX   XXXX   XXXX   ( via certified mail ), a letter was sent to  National Credit Systems requesting documentation to verify the debt and prove my legal obligation to them for information they provided to the credit bureaus relating to a certain account. I asked that all of the requested documentation be furnished within thirty ( 30 ) days of receipt of the request, and I advised if they failed to provide any portion of the requested documentation, all references to the account would need to be immediately removed from my  credit files and any further attempts to collect should cease.     On or around   XXXX   XXXX   XXXX    , I received an incomplete response from the company, and, as such, on   XXXX   XXXX   XXXX    , I sent subsequent correspondence ( via certified mail ) advising that they failed to comply with my initial request and all references to the account needed to be removed from my credit files immediately.     To date, the company still has not complied with my initial request and have not removed the account from my credit files.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Mortgage (Conventional fixed mortgage) with BBVA COMPASS FINANCIAL CORPORATION (GA).
Issue: Credit decision / Underwriting

Complaint: We applied for a mortgage with BBVA Compass. Senior Mortgage Banking Officer was XXXX XXXX in XXXX FL. We applied on XXXX XXXX, 2015 to close on XXXX XXXX, 2015. XXXX XXXX was the Consumer Asset Processor III - XXXX # XXXX. 

We bought a house in XXXX Florida with 26 % down. Five days before close they say that they sent emails to my present employer but my employer had asked for things in writing due to high fraud levels. I say surely your bank can figure this out before now, but they outsource all the verification and do n't send written mail apparently. Three days before the close, XXXX calls to say they now want 75 % down which was a huge sum of money. 

It was too late to find another bank and had we known that they were untrustworthy earlier we could have easily changed. It is so late that we have to sell a lot of stock and mutual funds quickly to raise the money to clear in time to close. So we sell a ton of shares and funds. It all clears the day before thanks to great work by our broker ( it usually takes three days to clear ). 

I write XXXX XXXX who is the EVP for BBVA Compass XXXX to ask for his help. No reply from XXXX XXXX and no help from BBVA Compass even after I ask for managers or executives to speak with after hearing this ridiculous change from XXXX XXXX and XXXX XXXX. Neither of them would give me another manager or executive 's name. I also called the bank branch asking to speak with the bank president with no luck. 

I am now worried about the creditworthiness of the bank, since I have raised the money but have no guarantee that they will close on time after such a radical breakdown in trust. 

Given that we had XXXX choice to change or do anything else, we close on the XXXX and the bank wires the money at the end of the day. 

The irony is that we had enough money to buy the home for cash and yet the bank changed the loan amount at the last minute and we were more concerned about their coming through. 

We now have a loan with BBVA Compass and would never recommend them, XXXX XXXX, or XXXX XXXX to anyone. In fact, they along with XXXX XXXX should be fired for what seems like their misrepresentations on closing the loan and terrible timing to change the terms of our agreement. We will pay the loan off well before the end of the loan since they do not deserve our business or patronage.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Debt collection (I do not know) with Professional Receivables Network (GA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Used foul, and obscene language

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX is reporting to Transunion an open XXXX balance on a paid off closed account.

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 11-08-2017 about Debt collection (I do not know) with Selene Finance LP (FL).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: On or about XXXX XXXX, XXXX, my manufactured home bearing the identification number of XXXX was stolen from me by the bank listed on the documents. The bank in question had no rights whatsoever to my home, as my mortgage was through XXXX XXXX originally through XXXX XXXX, then transferred to XXXX XXXX and finally to XXXX XXXX. As you may see through the legal documents, my home was not to be included in the foreclosure per XXXX XXXX order. Moreover, the Certificate of Title and Certificate of Sale exclude my home as well. I had to retain legal counsel at the time just to prevent the bank from stealing my home, which they had no legal or civil interest in at all. The bank in question was somehow able to locate the VIN of my home and include it within another foreclosure. The bank physically had to research my VIN, as they would not have had any record of it since I did not have a mortgage or loan of any type with this bank. What this bank did to me would be no different than if I were to foreclose on my neighbors home. My neighbors do not owe me any money, and I have no security interests in their home ; however, I foreclose on their home anyway even after a judge orders me not to do so. Well, this is exactly what this bank did to me. It is extremely worrisome that this bank has been able to get away with this crime, which establishes a frightening precedent that could be perpetrated unto other honest citizens. The contact information for the bank whom illegally dispossessed my home is : Selene Finance, LLC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Texas XXXX Phone : XXXX Despite the Judges order and the bank realizing that it had no rights to my property, the bank fraudulently acquired title to my home and sold the home. I was still making payments on my home for several months after the bank had stolen my home unbeknownst to me. At some point in XXXX, the new owners removed my home from their property and the whereabouts are unknown to me. I had thousands of dollars in personal belongings still in the home. To date, I am still being harassed from XXXX to make my mortgage payments, which has negatively impacted my credit and subsequently has had a detrimental effect on all aspects of my life. I had my home and personal belongings stolen from me, have lost a great deal of money, negative reporting on my credit reports, and have endured a great deal of stress and aggravation to say the least. 

I truly hope that you can help me in this criminal matter and prosecute the perpetrators.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Checking or savings account (Checking account) with NAVY FEDERAL CREDIT UNION (FL).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I used my overdraft feature on my checking account last summer ( XX/XX/2017 ). I lost my job and was never able to bring my balance to current. The account was subsequently closed. I do still have an active savings account. I would like to know what do I need to do to clear the outstanding balance on my checking account and also how much is actually owed on that account. Any assistance would be great. I have had this savings account for almost 27 years and would like to clear any debts owed to restart my checking account. i

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