milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-04-2016 about Mortgage (Conventional fixed mortgage) with DHI MORTGAGE COMPANY (CA).
Issue: Credit decision / Underwriting

Complaint: A Mortgage company, DHI, and my Mortgage Broker, XXXX XXXX, who is an AGENT for DHI MORTGAGE COMPANY, interfered with a contractual relationship I had with my builder, who sold me the new home, and my real estate agent and her broker, who agreed that I was to get a " CASH REBATE '' of {$2000.00}. The Mortgage Broker Company, DHI, and their agent, XXXX XXXX did the following : He informed me, 5 days, prior to my new home closing escrow, that DHI MORTGAGE CO. would n't fund my loan, as per XXXX Requirements, if I ( XXXX-buyer of new home ), were to receive my legally agreed upon CASH REBATE. The CASH REBATE FORM WAS LEGALLY SIGNED by the XXXX parties agreeing that I 'd get the {$2000.00} cash rebate. XXXX XXXX, mortgage and agent to DHI Mortgage CO. forced me under DURESS AND BY COERCION and by FRAUDULENT MISREPRESENTATION, to sign a VOID FORM, voiding my {$2000.00} CASH REBATE THAT I WAS LEGALLY ENTITLED TO RECEIVE. He also, " legally '' interfered with a CONTRACTUAL RELATIONSHIP I HAD with the Builder and Agent, who XXXX signed that CASH REBATE FORM, legally guaranteeing me that I WAS TO RECEIVE the {$2000.00} UPON CLOSING ESCROW. LASTLY, it is ILLEGAL to INTENTIONALLY LEAVE OUT SIGNED FORMS that are PART OF THE PAPERWORK, ESCROW, etc. The CASH REBATE FORM, guaranteeing my {$2000.00}, and the VOID form, which I was forced to sign, WERE INTENTIONALLY NOT INCLUDED IN THE FINAL ESCROW PAPERS. Even though DHI Mortgage and Their Agent, XXXX XXXX did n't sign the REBATE FORM, he did legally and INTENTIONALLY INTERFERE with me getting that CASH REBATE, by refusing to FUND MY MORTGAGE LOAN, 5 days, prior to closing. It takes a couple of months to submit papers, run credit checks, have them check my employer, etc. Nobody in their right mind would walk away from a new home after being approved and the loan ready to fund within a few days, and this is the only way the funding would occur, is if I would forfeit my {$2000.00}. It is n't as though I was working separately with a bank or separate Mortgage Co. Remember, the BUILDER OWES and operates DHI MORTGAGE COMPANY, so XXXX XXXX knew EVERYTHING THERE WAS regarding all paperwork, contracts legally signed, etc.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 11-09-2017 about Checking or savings account (Savings account) with JPMORGAN CHASE & CO. (NY).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: ID ALLEGE CRIMES AGAINST ME BY XXXX XXXX XXXX COMING OUT OF XXXX XXXX WHICH FBI & XXXX ATTORNEY ARREST XXXX XXXX, NOT RELATED TO CRIMES BUT STATEMENTS OF OFFICIALS ATTEST TO CONCERN, THEREFORE REQUEST THEIR ATTENTION TO ALSO XXXX 'S XXXX CHAIRMAN DIRECT FRAUD PERMITTED XXXX XXXX XXXX INSURANCE, KENTUCKY, BUT LEFT EMPLOYMENT XXXX XXXX XXXX XXXX XXXX AND APPROVED XXXX AND XXXX, XXXX FEDERAL XXXX XXXX TO ALLOW NO OVERSIGHT MEDICATION OR PROCEDURES.. JP MORGAN XXXX XXXX XXXX ACCOUNT OPENED FOR PENSION CHECK, BUT DENY DEBIT CARD COUNTER TO XXXX XXXX XXXX VI ELECTRONIC TRANSFER FUNDS ACT THEN DIRECT TO PENSION AT XXXX XXXX XXXX XXXX BUFFET XXXX BIG NO ONE TOUCH FRAUD, BUT NOT MY SS NUMBER, ERROR TO XXXX 'S XXXX I WILL NOT ADDRESS SINCE CLERICAL ERROR AND HUGE FANNIE MAE MORTGAGE TO XXXX XXXX XXXX XXXX HOUSES STILL INVOLVED

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NAVY FEDERAL CREDIT UNION (AZ).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I recently filed complaint ID # XXXX against Navy Federal Credit Union ( NFCU ) for fraudulent white collar mortgage fraud and RICO statute against me. You received a very eloquent and prevaricated response from XXXX XXXX ( NFCU ) Supervisor, Mortgage Default Management, XXXX, extension XXXX. 
She stated that NFCU never transferred {$5000.00} from any of my bank accounts to my mortgage which is not what I claimed. I said someone in NFCU had been entering my accounts and electronically transferring money under the guise of fees and payments without benefit of a clear delineation of who authorized what action and where the funds were being placed. 
The {$5000.00} that is pertinent to my account was removed by means of collusion with XXXX XXXX for a foreclosure that never took place which is financial fraud and a federal offense. NFCU from the CEO on down were privy to the opening and closing of Escrow # XXXX, on XXXX XXXX XXXX. Someone in the NFCU chain of command decided that not only would they pilfer money under the guise of legitimacy, they also reported the sale of my house as, " foreclosure redeemed. '' There was no foreclosure or abandonment of my house. I sold it in preparation to move to another state for imminent employment. 
Please send my the necessary CFPB form so I can provide you with written and/or electronic endorsement to audit my NFCU bank records for aggregate evaluations of any and all transactions. This is not an isolated incident. NFCU has shown the propensity to commit acts of bank fraud and financial collusion against a myriad of its member/patrons. Please refer to the following website for documented elements of alleged financial crimes and customer complaints. XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (SC).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: On XX/XX/2018 I made an international online purchase for {$25.00} so I used my XXXX   XXXX that says it charges no foreign transaction fees. When I viewed my statement I saw that I was charged a {$10.00} cash advance fee. I immediately contacted a representative and was told that the fee was based on the coding of the vendor and that XXXX could not remove this charge. I reluctantly paid the full amount of {$35.00} and when I viewed my account again I saw that an additional {$2.00} " minimum charge '' fee was added after I had paid. I called a representative again and the lady told me that this was a minimum charge on the cash advance and she could not remove this charge neither. I pay an annual fee of {$89.00} a year, make a {$25.00} purchase and get billed {$12.00} in fees.

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 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My personal data was collected and resold without my permission for profit by XXXX, yet XXXX failed to secure this most critical of personal data from being stolen.

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 03/22/2017 about Consumer Loan (Vehicle lease) with World Omni Financial Corp. (OR).
Issue: Managing the loan or lease

Complaint: see upload letter please. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-12-2017 about Debt collection (I do not know) with Weinberg Mediation Group LLC (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: Received this voice message to my phone : Yes Hello this is XXXX XXXX with the Weinberg mediation group and I 'm trying to reach XXXX XXXX XXXX XXXX We have sent you correspondence and attempted to contact you on a matter involving your name and Social Security number but have received no response from either yourself or your attorney regarding this matter we have decided to reach out to you 1 last time to give you the opportunity to be be compliant and give your statement of intent to our office please be advised we do not hear back from you today I will no longer be able to assist you on a voluntary resolution contact the office back immediately at XXXX good day.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I opened an account ( residential account ) with  XXXX   XXXX   XXXX   XXXX   (  known today as "  XXXX  ' ' )  in  XXXX . I personally went to this company and closed the account in  XXXX  ( I am attaching evidence ). During the last years, this account appeared in my Transunion credit report in the "  Closed  Accounts '' section until it was removed from my Transunion credit report. Recently ( since  XXXX   XXXX  ), this account was added to the " Open Accounts '' section when it was closed and removed from my credit reports. I submitted a dispute with Transunion along with an evidence letter. The evidence letter stated that this account was closed and that it has {$0.00} balance. Unfortunately, Transunion did not accept this evidence so as to remove this account from my credit history. I called again to Transunion and they asked me for another kind of lette r ( Credit Correction Letter ). T hen I called again to  XXXX  and they informed me that they " will '' send  a Credit Correction Letter.   Originally  XXXX  informed me they sent the letter but they did not. Attached you will find evidence that I went personally to  XXXX  in  XXXX  to ask for a letter as an evidence that this account was closed in  XXXX .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Problems caused by my funds being low

Complaint: I am writing on the behalf of my Grandmother 's trust account with the Bank of America. I have watched over the past 6 plus years as this account has continued to climb during the good markets times, yet continually declines in interest payments. There have been absolutely no gains or increases in the payments, yet they have made significant gains. I have saved all letters and statements and have never seen such. 
I have been an RN case manager in the Medicare arena for over 8 years. Unfortunately, my father has since passed. I ca n't help but think about the fact that if he were still with us, he would now be living on less than $ 600/month from a $ XXXX trust fund. I question how many others are now struggling to survive on the trust that was set up to take care of them for life! It seems to me that the Bank of America is acting in the interest of themselves, rather than the beneficiary. 
Thank you in advance for any guidance with this concern. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX XXXX I Last reported : XX/XX/XXXX + {$860.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$710.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$550.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$530.00} Needs Attention XXXX XXXX  Last reported : XX/XX/XXXX + {$460.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$350.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$310.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX+ {$300.00} Needs Attention XXXX XXXX I Last reported : XX/XX/XXXX+ {$68.00} Needs Attention DXXXX XXXX XXXX Last reported : XX/XX/XXXX+ {$38.00} Needs Attention

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Other

Complaint: I made a {$500.00} payment to my daughter 's capital one credit card on XXXX XXXX, 2016. I told the rep that I wanted it to be a surprise. When my daughter saw the payment reflected on her credit card, she had it returned to sender on XXXX XXXX, 2016 because she did n't know where the payment came from! When I spoke to her again that weekend, she said she had it returned on XXXX XXXX, 2016 because she did n't know where it came from. Anyway, I called capital one on XXXX XXXX, 2016 and spoke with a rep named XXXX. He said it takes XXXX calendar days for the " wait period '' and another 3 working days for accounting to return it to me account. Therefore, my {$500.00} should have been back last XXXX XXXX, 2016. I called capital one again on XXXX XXXX, 2016 and spoke to a rep named XXXX. XXXX said she can not help me without my daughter 's permission and referred me to her supervisor, XXXX, with ID # XXXX. XXXX said she can not help me without my daughter 's permission so I gave her my daughter 's phone number. After having me wait about 30 to 45 minutes, XXXX told me that she can have my {$500.00} back to my debit card in 3 business days which is XXXX XXXX, 2016, according to XXXX. When I called on XXXX XXXX, XXXX did not give me the excuse of having to have authorization from my daughter ; and besides the {$500.00} does not belong to my daughter. All information is in the system of capital one, but XXXX and XXXX chose to give me a difficult time and the run around. Definitely POOR CUSTOMER SERVICE!!! This makes me think that capital one is trying to use MY MONEY FOR THERE ADVANTAGE because of people you put on the phone like XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Several loans which are currently being serviced by XXXX have incorrect loan balances and interest amounts. For example, XXXX loan # XXXX is being calculated based on orig. principal of {$3500.00} and fixed interest of 6.80 %. However, orig. principal amt should be {$1600.00} due to a portion of the loan having been cancelled and never disbursed. Additionally, this loan has a fixed rate of 4.50 %. There are several loans being fraudulently treated this way. XXXX is also reporting a much higher balance due on my loans because of the fraudulent way it is being calculated. I advised them of their mistake on several occasions ( XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ) but they have refused to fix the info on file. They also have not acknowledged payments made on this loan while it was handled by XXXX and XXXX between the years XXXX through XXXX. When XXXX received the loans, they did basically erased all prior payments from the loan history and on their website, and essentially restarted the loan and repayment with the allegedly orig loan amount without including prior payment made by me - they basically inflated the numbers to increase their income.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/27/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Dear sir/madam, First I would like to thank you, my previous issues were resolved because of your advocacy. 
As I am rebuilding my credit, I am watching my credit reports closely now. Please see pages XXXX, XXXX and XXXX. Page XXXX for example : XXXX ; XXXX reported " Debt included in or discharged through Bankruptcy Chapter XXXX, XXXX or XXXX '' -last reported XX/XX/XXXX. EQUIFAX and XXXX also reported " included in BK '' but last report date is XXXX. 
My question is : Are credit bureaus mandated to do additional reporting after the bankruptcy filing date? ( restating the same facts! ). 
Please advise ; I will write a complaint directly to the respective credit bureau if what they are doing does not conform with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (GA).
Issue: Problems caused by my funds being low

Complaint: On Sunday XX/XX/XXXX I incurred a restaurant charge on my debit card for {$61.00}. I at the time had an outstanding balance in excess of {$200.00}. This item was listed immediately as a pending charge. On Tuesday XX/XX/XXXX I submitted a return for a purchase that was credited {$22.00} to my debit card from where I returned an item. This credit did not show until XX/XX/XXXX. I also purchased an item for {$8.00}. Again I had an outstanding balance of at least {$200.00}. This item also showed up immediately as pending. On XX/XX/XXXX I had a utility payment to hit my checking account in the amount of {$210.00}, leaving my balance of approximately {$7.00}. It was at this time that the debit charge from XX/XX/XXXX & XX/XX/XXXX were applied incurring XXXX overdraft fees in the amount of {$36.00} each. Due to the holiday a pension check was delayed by a day causing my funds shortage. My issue with SunTrust bank is they debited the largest amount first causing me to have XXXX overdraft fees as opposed to a single overdraft fee for the utility payment. This is not the first instance of SunTrust Bank manipulating the check register to pad fees from my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: TransUnion via XXXX used wrong info.regarding purchasing manufacture house. I was denied mortgage. I do not have foreclosure, and/orbankruptcy. XXXX, XXXX y.o. 
Some credit card problems due to companies sold it to third parties, changing frequently. 
also, medical bills arranged payment with XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. Serious medical problems, unable to make the copay payments. Thanks!

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 07-06-2015 about Debt collection (Payday loan) with Delray Capital, LLC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Received an automated phone call at XXXX EST today. The message referenced a " recent transaction involving your bank account '' and then a case number was provided. After researching the number online, I found that it was yet another scammer ; they seem to love me. I 'm thinking they might be trying to collect on the same debt as the company in my previous complaint were.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Credit card () with U.S. BANCORP (VA).
Issue: Advertising and marketing

Complaint: XXXX XXXX - US Bank credit card -- false advertising! I am disappointed and angry about intentionally false and misleading advertising for the US Bank XXXX XXXX credit card. I was recently approved for, and paid the annual fee for, this credit card. The major benefit they advertise is a free night when making a reward reservation for cardholders. This was the reason I chose this card instead of a competitor like a XXXX credit card. Only a week after getting the card, I find out they have cancelled the benefit. Of course they were planning this while still advertising the benefit, to falsely induce more consumers into joining the card. They should be legally required to continue offering the benefit for all current cardholders, who relied on their promised benefits in signing up for the card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-08-2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Billing statement

Complaint: I received XXXX fraudulent charges posted on my Macy 's credit card on XXXX/XXXX/2015 for a total of {$17.00}! Over 6 months later I still can not get this resolved after numerous calls to the Fraud department, credit department and many faxes. I called immediately when I received the first bill and was told not to pay the bill, instead to fill out a Statement of Fraud. I did that, but kept getting bills each month for more and more money because of finance charges and late fees. The {$17.00} is now {$230.00} due to all fees they have charged. I call every month and they tell me not to pay it, not to worry and have said it is not with collections, but they call my house at least 3-5 times a day,7 days a week, and tell me the only way they 'll stop calling is if I pay. I can not get them to remove the charges, or stop calling. This is horrible. I know the card was not used by anyone because it was in a safe in my house. I want something in writing from them saying this is not on my credit report.

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 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I filed Bankruptcy on XX/XX/XXXX. However, Experian is still listing companies as debts that appeared in my Bankruptcy such as XXXX XXXX It also listing XXXX XXXX as a closed account when in fact it was paid off by XXXX XXXX in XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Ive tried muptiple times disputing inaccurate and unverifiable accounts that Equifax continue to allow on my credit report. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Equifax is required by federal law to verify through the physical verification of the original signed certified consumer contract of any and all accounts you request to be posted and or reported on my credit report.Any They have not verified the data that a company reports on a comsumer credit file which Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file is a violation of the FCRA

Company response to consumer: Closed with explanation