milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/28/2016 about Other financial service (Debt settlement) with Xtreme Products LLC (GA).
Issue: Fraud or scam

Complaint: On XXXX XXXX, 2016, USA Student Loan.org contact to me, stating that my name was selected from a low income database to see if I qualified for student loan reduction or to get it totally paid off. The Rep was named XXXX ( no last name ). What really convinced me that this could be legit it because, he even mentioned that he was in the same area that I was from and called out some of the areas that I was familiar with. After retrieving my information from the XXXX website and final consulting, he said I was approved for 100 % of my settlement. But, I will have to pay {$590.00} in full or in payments for the next 5 months. I have tried to contact them to check on the status of the process and no one answers the phone. I am convinced that this was a scam.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-06-2018 about Mortgage (FHA mortgage) with HOMEBRIDGE FINANCIAL SERVICES, INC. (CT).
Issue: Trouble during payment process

Complaint: HomeBridge Financial gave me false information over the past 3 months regarding my PMI. Even after a letter was sent they refused to stop charging it and kept telling me I wasn't qualified for it even though I was. And when I finally escalated they refused to have me stop paying until it was at 78 %, which when requested and good standing can be done at 80 %.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 04-09-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Portfolio Recovery has continued to collect a debt that does not belong to me. I have asked for verification of debt a twice with no response. They have also contacted my family members about the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Payday loan, title loan, or personal loan (Installment loan) with NAVY FEDERAL CREDIT UNION (MD).
Issue: Problem when making payments

Complaint: I have an installment loan with Navy Federal, which I have had for over two years. I make monthly payments and occasionally, when I am unable to pay on the due date, I call and schedule the payment to be deducted from my checking account within 30 days of the due date. My loan payment is due on the XXXX of each month and my paychecks are deposited automatically to my account every two weeks. 

In XX/XX/XXXX, we were unable to pay the loan within 30 days but I knew that I would be able to pay it on XXXX XXXX ( my next pay day ). On XX/XX/XXXX, Navy Federal deducted the XX/XX/XXXX payment ( {$1600.00} ) from my account automatically as soon as my paycheck was scheduled to hit my account. Then on XX/XX/XXXX, they deducted another {$3200.00} from my account automatically and applied it to the loan for the payment due on XX/XX/XXXX and XX/XX/XXXX. This was done without my authorization and without notice. 

A brief search online reveals that this pattern and practice is rampant by Navy Federal and they routinely access their customers ' accounts to make payments on Navy Federal loans, advising that this was a term of the loan when we entered into the loan years ago. I have now spent 5+ hours on the phone with various representatives to try to have both the XX/XX/XXXX and XX/XX/XXXX payments reversed immediately. But the bank refuses to issue a refund for the XX/XX/XXXX payment ( today is XX/XX/XXXX ) citing that my loan is past due. Note - they deducted the XX/XX/XXXX payment from my account the day after the due date. It took me four hours to get them to reverse the XX/XX/XXXX payment, which again, they applied a full month before it was due. 

I am on the phone with them yet again and it is unreasonable to expect anyone to have to spend over five hours resolving an issue like this. In addition, this is not the first time this has happened. I have scheduled payments with Navy Federal and their system would still sometimes go into my account and withdraw funds to pay a loan. I would expect that the bank would be required to notify customers BEFORE withdrawing funds from their account, even if the bank believes it is entitled to such funds. They can reach me by email and phone, yet I received no messages indicating that they were going to withdraw over {$4000.00} from my account in a 24 hour period. 

Perhaps the most frustrating thing about this matter is that it appears that supervisors are unwilling or unable to ever get on the phone to assist a consumer. They are nameless, faceless and voiceless people, who send their responses through the front line representatives even when the decision being made is unreasonable and unfair to the consumer. 

I ask that you look into this as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/17/2017 about Payday loan, title loan, or personal loan (Title loan) with HUNTINGTON NATIONAL BANK, THE (KY).
Issue: Problem with the payoff process at the end of the loan

Complaint: This is regarding Hunington Bank, I paid off my car loan in XXXX, Now I ca n't seem to get the lein released off my title, They say they mailed out the paper but this is going into 6 weeks and I can not get anyone to take care of this. I even called the corporate headquarters and still nothing. I even asked them to send it to the XXXX County Clerks office and still nothing, they said it was mailed out twice and they told me they would overnight it but that did not happen either .... Please I need some help.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2016 about Debt collection (Auto) with MacDowell & Associates, Ltd. (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I already paid them and they still are sending me letter that I did pay when in fact I did in this noticed I will be providing the receipts of payments done to them every month

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 11/16/2016 about Credit card () with CITIBANK, N.A. (MA).
Issue: APR or interest rate

Complaint: I did a kitchen remodel with the home depot, the designer told me I could open a home depot credit card interest free for 24 months. My interest free promotion ended in XX/XX/XXXX. I have my credit card on autopay, as I do all my bills as not to miss a payment. The autopay on XX/XX/XXXX was 7 times the usual amount so I looked up my account and saw that they added XXXX in interest to my balance of XXXX. After the shock I called them, furious, no warning from them about this and was told it was deferred for 24 months and had it explained to me. I wish it was explained to me when I signed everything for my new kitchen. I had a citi bank card and an XXXX with o % promo balance for 12 months. The difference should have been explained, The home depot I went explained none of this. That deferred feature should have been pointed out, That is not truthful or fair business practices. The home depot customer service rep I had on the phone asked if i signed the contract, yes I did along with the kitchen remodeling contract, there were many papers and I trusted my kitchen designer at the home depot to disclose something as costly as this, he knew I was on a tight budget and we kept changing materials etc to lower costs, This can not be legal. I would like that interest reversed and I will pay the balance in full.

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 01-06-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: on XX/XX/XXXX, someone other than me applied for an unsecured credit card from XXXX and was denied. 
I received the denial notice around XX/XX/XXXX and immediately called XXXX and was connected with their Fraud Department. XXXX at XXXX informed me that they would file an Initial Fraud Alert with the XXXX Credit Reporting Agencies. She was a big help and informed me of the steps that needed to be taken to investigate other possible Identity theft and Credit misuse. She also informed me that due to the fraudulent application using my personal information and the fraud alert placed on my Credit Reports that I was entitled to a free copy of my Credit Files from XXXX, XXXX and Equifax. 
The process in getting those reports is less than stellar and I can not get any automated telephone process to go through nor can I get my file via ANY of their websites! They all want me to pay XXXX or XXXX dollars or can not verify the information that I present during the Identity Verification steps at their site. 
MY COMPLAINT : None of the Credit Reporting Agencies have telephone numbers that will connect you with a live agent! All of the Numbers are for the automated report ordering system and they have all asked for credit cards and wanted to bill me with no option to speak with a live agent. 
My fear is that whoever applied for that card has intercepted the process and without a live agent to speak with, I can not confirm this. 
Also, one of the reporting agencies asked questions about auto-loans I supposedly took out XX/XX/XXXX, asking which of XXXX possible Creditors and XXXX possible monthly payment amounts AND an Installment Account, again with XXXX choices of Creditors and XXXX possible payment amounts! This has me very afraid as I have not taken neither an auto loan or an installment/Finance account since XX/XX/XXXX! 
I need to resolve this and speak to a REAL PERSON! 
I am trying to rebuild my credit and it seems to me that the reporting agencies just do not care. I am totally frustrated as this is just bad customer service in an industry that is supposedly providing services that include sensitive information that dictates the consumer 's quality of life in this age of instant credit! 
XXXX, XXXX and EQUIFAX : Your processes are not user friendly nor are they customer focused and you do not have anything that resembles Customer Service for the consumer 's affected by all the Credit Fraud and Identity Theft that is running rampant in today 's financial industry. XXXX 
Sincerely, XXXX XXXX XXXX XXXX XXXX, TX

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I am never informed of my dates for changes on repayment plans, I am forced into forbearance although I beg them for an affordable payment plan, after submitting documents I never receive a lower payment and I am again forced into forbearance awaiting a new payment plan which is never given to me or discussed it is decided for me with a payment still above my means in repaying. I have borrowed XXXX, and is not accumulated XXXX + in interest. I am so frustrated with trying to repay my loans at a cost I can afford with no help from Navient. None. My income is XXXX per year gross, XXXX-XXXX-XXXX a month will leave me homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Debt collection (I do not know) with Capio Partners, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/17/2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This Debt Collector continues to report to all XXXX Credit Bureaus that I owe them when in fact this debt was taken care of by the original creditor via a XXXX. 

XXXX is also reporting the incorrect date on SEVERAL accounts as the " Account Open '' date as of last year ( XXXX ) when in fact these accounts were opened in XXXX to XXXX and are ALL past the Statue of Limitations and are about to be either removed by the Credit Bureaus OR are about to turn positive.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2017 about Debt collection (Medical) with S&S Physician Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft and noticed a collection from HARVEST ASSOCIATES INC I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against HARVEST ASSOCIATES INC in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with General Financial, Inc. (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In  XXXX  of   XXXX   I filed for a chapter  XXXX  bankruptcy which included Just Military Loans as a creditor. Just Military Loans continued to email me asking for payment and harassing me even with an automatic stay in place and after my attorney sent them the paperwork. Instead of updating the account with " included in bankrupty, closed, {$0.00} balance '', they sent the account to collections. The collections company  XXXX   XXXX   XXXX  has put a collections account on my credit report further ruining it when they should not have received the account in the first place. I contacted  XXXX  asking them to remove the account and they said they will not. My attorneys have contacted them showing the account was included in bankruptcy but I am continuing to receive letters demanding payment. I want this account removed from my credit report.

Company response to consumer: Untimely response
Consumer complaint received 01-12-2018 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (WA).
Issue: Incorrect information on your report

Complaint: I have a mortgage with Freedom Mortgage. They are incorrectly reporting our XXXX, XXXX payment as late, even though the payment was made on time. 

On XXXX XXXX, XXXX, Freedom Mortgage was notified that I was in a Chapter XXXX bankruptcy. They suspended our ability to make payments online, so we were forced to mail a check into them. They did not receive ( or process ) the initial payment we mailed on XXXX XXXX, XXXX. They finally deposited the second check we mailed on XXXX XXXX, XXXX. They failed to process our payments in a timely fashion, which is causing a 30 day late payment on my credit report. 

Here is a summary of the charges on our statement. 

XXXX/XXXX/XXXX Payment Received ( {$2300.00} ) Detail XXXX/XXXX/XXXX Payment Received {$3.00} Detail XXXX/XXXX/XXXX Payment Received {$2300.00} Detail XXXX/XXXX/XXXX Payment Received {$2300.00} Detail XXXX/XXXX/XXXX Payment Received {$2300.00} Detail ( For XXXX XXXX, XXXX ) I have been asking for an explanation on this and they have failed to provide me with why the first payment was not deposited and the second payment was not credited properly, allowing the account to go over 30 days late. 

Furthermore, their online system is currently saying we are due for XXXX XXXX, XXXX, so we are not as late as they are reporting on the credit bureau.

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 09-07-2017 about Debt collection (Other debt) with I.C. System, Inc. (IN).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you instead of your attorney

Complaint: ONCE AGAIN IC IS TRYING TO SCAM ME AGAIN

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 04/27/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I signed up for the Bank of America  Fundamentals Business ch ecking account with a promotion of {$200.00} after terms were met. I confirm that the terms were met, but Bank of America only award me {$100.00} for this effort. When I inquired why, they mentioned that merchants services needed to be used to get the full {$200.00}. This is not mentioned anywhere in the terms, which you will find attached. When I pointed this out, customer service disconnected the call.

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
Consumer complaint received 05-01-2015 about Debt collection (Mortgage) with KEYCORP (MO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I get XXXX or more calls XXXX to XXXX daily and wkds.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (SD).
Issue: Account opening, closing, or management

Complaint: I applied for Citi Gold Checking Account with XXXX promotion on XXXX/XXXX/2016. 
The promotional offer is that AAdvantage XXXX bonus miles will be credited by Citibank within 90 calendar days from the date when you completed all offer requirements. 
I have received a confirmation letter specifically addressed to me from Citibank that I have met all the requirements on XXXX/XXXX/2016. In the letter Citibank stated that " I can confirm the promotion is attached and requirements for XXXX promotion are completed. In addition, now that you have met the requirements and the account review is completed as eligible, Citibank will credit the AAdvantage bonus miles to your AAdvantage account, within 90 days from the end of the statement period in which the completed offer requirements. The last requirement met is dated XXXX/XXXX/16. '' However, although more than 90 days have already passed, Citibank refuses to honor their promotion as promised. In addition to meeting the promotion requirements, I have also paid {$60.00} for their monthly fees while waiting for Citibank to uphold their word.

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 08-07-2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2018 about Mortgage (Home equity loan or line of credit (HELOC)) with BANK OF AMERICA, NATIONAL ASSOCIATION (NH).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I have been trying to get off my Ex-Husband 's HELOC with Bank of America for two years. His name is the only name on the note it'self. My signature was required because Michigan was a dower state at the time. My name was on the application only which had expired. I have written several letters and my ex-husband has called several times. He has been making the payments for 9 years. Bank of American refuses to take my name off. The note is from a lending company that no longer exists. They want him to refinance which costs money. They will no longer respond to any of my requests.

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 01/22/2016 about Debt collection (I do not know) with Mandarich Law Group, LLP (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do not have proof this is my debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Debt collection (I do not know) with Augusta Collection Agency, Inc. (GA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: this information was shared illegally without my informed and expressed consent

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Aargon Agency, Inc. (NV).
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: The credit agencies still have this account listed and  per Aargon th ey requested it be removed. This has been listed and it needs to be removed

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