milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-11-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Application, originator, mortgage broker

Complaint: Bank of America Home Loans Division in XXXX XXXX, Texas along with their underwriting department in XXXX Texas, declined my mortgage loan application, one day prior to a scheduled closing for our new home at XXXX XXXX, XXXX XXXX, Texas XXXX. I have significant evidence that the denial, which the bank claimed was due to not meeting the required Debt-to-Income ratio, was based on false grounds due to a gross error made by BOA 's lead underwriter in interpreting my 2016 year-to-date self-employment/company Profit and Loss statement. The application review also contained numerous other unwarranted delays as well as sloppy clerical practices and bank errors and omissions that were unprofessionally handled. Ultimately, the rejection of the loan application may have potentially may have violated the bank 's own lending policies and I am seeking Federal assistance to look into this matter in detail. I am also seeking a financial settlement for economic damages related to having to renegotiate a new loan application which delayed my move in date for four weeks.

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 08-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I have attempted on numerous occasions to request my annual credit from XXXX, Transunion and XXXX, respectively. Each request has been denied and I have been asked to submit a payment by mail. I wish to view my free credit report ONLINE. I have only used ONE name my entire life and I have only used ONE social security number my entire life. So I am concerned about the difficulty these companies appear to encounter when processing my request.

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 12/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I 've recently been noticing my credit score going down. Today I got a full report and it shows that there is a XXXX XXXX account that belongs to my father under my name. We have the same names, I understand how this happened but it should n't of happened because whoever inputted the data should of properly done their job and looked at social security numbers instead of our names. Please take the necessary actions for this account to be taken off of my record. Thank you.

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 12/21/2017 about Debt collection (Other debt) with REGIONAL MANAGEMENT CORPORATION (TX).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint: threatens says they will keep calling to call my family about my debt and threatens to keep calling my job.call sometimes 3 times a day.keeps calling when i tell them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: i applied and there was no reason why i was denied they keep denying me for no reason

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PENTAGON FEDERAL CREDIT UNION (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was a member of  XXXX   XXXX   XXXX , which was acquired by Pentagon Federal Credit Union. The process of merging, transferring, and issuing new account numbers were phased-in over three months :   XX/XX/XXXX ,  XX/XX/XXXX  and  XX/XX/XXXX  .     I have had a  XXXX  Visa card ( " loan account '' ) since  XX/XX/XXXX  that I paid via my accounts page. My accounts page included my savings account and I would pay my Visa by simply transferring money from the savings account to the Visa account. During the phase-in transition however, the banking accounts ported over to the Penfed website  in   XX/XX/XXXX  , but not the Loan accounts ; those would not phase-in until  XX/XX/XXXX .      In  XX/XX/XXXX  I sent a secure message to Penfed customer service about making my Visa payment, the response was to mail it, and I was provided an address. I se nt a Bill Pay p ayment from my main banking institution to the address provided. I verified that it had been delivered. A few weeks later I receive a letter saying my payment was not received, so I sent another Bill Pay payment overnight via  XXXX  and it came with a tracking number. I verified with the  XXXX  ' website that it too had been delivered. Both payments were sent and received before the due dates.     On   XX/XX/XXXX , I  receive a credit alert from  XXXX  that Penfed reported my Visa account as 30 days late. The effect of this reporting tanked my  credit score.      When I called Penfed 's customer service I was told that they were behind on processing former  XXXX   XXXX   XXXX  loan payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/18/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: For the last 4 month I have contacted XXXX different creditors asking them to send me proof that the accounts belongs to me and I am not getting anything from them. Also I have been filling request with Experian to verified the accuracy of this information and 4 times they keep telling that the information was verified with the creditors. These are not my accounts and no one is doing anything about this. Specially Experian is not doing anything about it. This is against the law, How can they verify something that is not mine with Experian but they are just ignoring my letters.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/14/2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I received a letter from XXXX XXXX XXXXXXXX XXXX XXXX and contacted them. 
They have asked for my Bank Account Number and I will not give it to them. I told them I would get a Money Order to send them a payment, and they got abusive. I have hung up on them. I am only trying to contact them and this letter says they have a judgement. I have cancelled every credit card and opted out of new credit card offers. They overtalk you and will not listen. They call more than once a week. I have not sent them a letter yet to stop calling me. I do need advice on how to handle this situation. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Mortgage (Conventional home mortgage) with Fay Servicing, LLC (WV).
Issue: Trouble during payment process

Complaint: In 2016 I paid income tax on XXXX discharged debt evidenced by a XXXX cancellation of debt ; however Fay servicing, a third party, continues to list it as an interest deferred principal I want this corrected

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Credit card or prepaid card (Store credit card) with Army and Air Force Exchange Service (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: My account information with XXXX XXXX is being refused to be given to me as they have charged off my account and they are now letting a third-party collector dictate their terms to me. The third-party collector is XXXX XXXX XXXX. I was informed that they had already tacked an additional XXXX XXXX dollars on to the original balance with XXXX XXXX and they intend to charge additional fees on top of that. I do not believe that a government agency or dod contractor should deny a consumer his personal account information. Does this not violate any of California 's Consumer Protection laws?

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 11/19/2015 about Debt collection (Payday loan) with Jonathan C. Frank & Associates, LLC (OH).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: I took out a loan through XXXX XX/XX/XXXX. I have been contacted by a law firm in XXXX called Jonathan C. Frank & Associates, saying that I owe {$700.00}. I live in XXXX and this company is in XXXX. I contacted XX/XX/XXXX, and my debt was sold to XXXX XXXX XXXX ... and the debt was for {$500.00}, verified by XXXX, and XXXX. XXXX XXXX XXXX told me that they sold it on XX/XX/XXXX to XXXX XXXX XXXX. I never received anything via mail from any of the creditors, let alone from a law office. I was told that I had to pay in whole over the phone or set up payment arrangements, or further action would be taken. The only person who has contacted me from this law firm is a woman named XXXX XXXX. They sent me an electronic agreement to sign and scan back, but on the paper it listed XXXX XXXX XXXX ... which is based out of XXXX. None of this makes sense since I am in XXXX. I have not paid anything, nor did I sign the agreement after cancelling my credit card, thinking it might be a scam. They automatically asked for my financial information over the phone, and never gave me the option of disputing the debt. This law firm has my SSN, address, full name, etc.Since I cancelled my card causing the XX/XX/XXXX payment to not go through, they were proceeding even though I never signed the agreement, I have received numerous messages about how I forfeited the agreement, and further action will be taken without my involvement.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I became a 100 % service connected XXXX veteran and notified my lender that I wanted to apply for loan forgiveness as stated in my VA paperwork. The suggested I complete an additional form so I would n't have to make payments while I waited for the loan forgiveness to process. They walked me through how to complete the form step by step and I sent it in, followed by the loan forgiveness application a few days later. I was told I did n't have to make any more payments. Two months later I was told that the first paperwork I completed to not pay while the forgiveness was processing was not filled out properly and my payments were now several months overdue. I asked if I could resubmit the form and was told they could only process one request at a time and the loan forgiveness was already in process. Now I have a negative hit on my credit report showing student loan delinquency when I did everything I was instructed to do by the loan company. How do I get this 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
Consumer complaint received 11/24/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: We have been uploading documents for a loan modification we believe we have a complete package and have been calling and leaving messages to our assigned representative without a response. I also sent documentation to authorize a 3rd party and they do n't seem to be able to locate my documents I have uploaded all of my documents time and time again and I am not getting anywhere I think they rather foreclose on my home they are delaying the process and being unresponsive.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Application, originator, mortgage broker

Complaint: I received a copy of my credit report. It shows numerous inquiries from Chase Mortgage. I have no business with Chase Mortgage. I do have an auto loan with Chase. In the past two years, Chase Mortgage has. Made more than XXXX soft inquiries into my credit history. Soft inquiries are for business purposes but I have no business with Chase Mortgage in any fashion nor have I inquiried into getting any. Moreover, I have never received an offer from them.On the other hand, I only have XXXX inquire from Chase Auto. At this point, I believe someone with Chase Mortgage is abusing their privileges to inquire about people. This is abusive. What a steps does Chase Mortgage take to insure their employees are not abusing their sensitive information access.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Debt collection (Medical debt) with MiraMed Revenue Group LLC (AR).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: From XX/XX/XXXX to XX/XX/XXXX I had XXXX XXXX XXXX thru XXXX, XXXX XXXX XXXX XXXX XXXX which both of my insurances covered. XXXX filed my primary but did n't file my secondary. I called them after I started receiving a bill for the part that my secondary insurance was to pay. XXXX said they did n't have my secondary information so I again provided it to them. A month after I received another bill. Same story but this time I took copies of both insurance cards and mailed it in to them. This went on for a year. Each time XXXX told me they would file it. They never filed my secondary. XXXX only had 1 year to file my secondary. On XX/XX/XXXX I called my secondary to find out if the claim was ever filed, I was told no. While I was on the phone with my secondary insurance they asked me to stay on the line while they tried to call XXXX, there was no answer. My secondary insurance also told me that I was n't responsible for the bill because they would have paid it in full. About 6 months or so ago is when a debt collector started calling me, at least once a week. I would explain to the same person, every time, what happened with that bill and what I was told by my insurance company. It 's not like I did n't try to settle a bill they just refuse to hear me or ignore what I tell them and continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2015 about Consumer Loan (Vehicle loan) with Byrider Franchising, LLC (TN).
Issue: Problems when you are unable to pay

Complaint: Hello, I started a new job and told a rep this weeks ago and emailed the rep a few days ago also. I get XXXX calls a day then they email even after leaving a message or calling me to call them. I stopped calling them back now because I have asked for them to call me XXXX time a day after XXXX and also not to ever email me again and it has n't stopped. then a rep XXXX called me from her personal cell XXXX which is illegal! CNAC if you pull their phone records talk bad to me and I have paid perfect for 3 1/2 years! I want to sue this place for violating me and harassing me daily. please help shut this place down or make them learn to stop harassing consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (CA).
Issue: Problems caused by my funds being low

Complaint: I recently looked at my Wells Fargo credit card account and found the account to be overdrawn. I looked at the statement and tried to figure out why the account was overdrawn but could n't find the reason. So I emailed Wells Fargo customer serviced and received the attached email that was unbelievable at their answer. The letter stated that I was charged a late fee for being two days past due date. I checked my credit card by laws and nothing in the laws stated that I will be charged a late fee for being a few days late. This ban k is already under investigation for unlawful acts.

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 10/21/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (MS).
Issue: Unauthorized transactions/trans. issues

Complaint: RushCard offered " Rush Goals '', separate accounts used to accomplish specific goals, like a " Savings ''. All of my goals have disappeared along with the funds that were included in them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/19/2017 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (CO).
Issue: Problems when you are unable to pay

Complaint: On   XXXX   XXXX   XXXX   I got a non-secured personal loan with  XXXX   XXXX  /  Onemain Financial.  Over the next couple of years every time I was going to be late on my payment they had me refinance my loan. The dates that I refinanced my loan is as followed   XXXX  ,  X/XX/XXXX ,  X/XX/XXXX  that I can find at this time. They told me not to worry about it just to bring {$100.00} and they would give me a check for {$96.00} and I would n't have to pay my loan until the next month. I did not know what I was doing as a  XXXX   XXXX   XXXX  girl. I did n't realize what they were doing was predatory lending. I feel that they targeted me since I did n't not know what I was doing at the time and would refinance with them when they would call and say " you are going to be late on your payment, you can just come in a refinance your loan. '' Eventually I was unable to pay my loan completely. what started out as a {$5000.00} loan ended up as a {$7900.00} garnishment. From this garnishment I was barley able to make my bills that I had at the time with my full paycheck. Once I was garnished for this predatory loan I had to change my tax withholdings just to be able to afford to eat and gas to go to and from work. As a result of changing my tax withholdings to survive, I ended up owing on my federal taxes both in   XXXX   and   XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2015 about Debt collection (Auto) with NELSON AND KENNARD (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX I voluntarily returned a XXXX Truck to the Dealership asI could not afford the {$830.00} payments. A third party collector tookthat case to court, without even properly serve me. I have been paying on this debt XXXX. Never missed a payment. I have been asking them to send me a statement as to how they are applying the funds every month. I am aware there is an annual fee of 10 % that they charge. So far I paid over and beyond the amount due. They are refusing to provide me any kind of statements as to how they applied those monthly funds all these years. As far as I am concerned, I either already paid this debt or close to it. But I need to have a schedule of payments and when would my last payment be. 
Please let me know what steps I should take. 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 11-06-2015 about Debt collection (I do not know) with American Collections Enterprise, Inc. (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This organization, American Collections Enterprise Inc., has constantly called my home with a ridiculous recorded message for some who owned this property several years ago, sold the property, and moved away owing considerable debts. ACEI has been calling my unlisted number in an attempt to reach this individual. I do not pick up these recordings to engage with these organizations, and am under no obligation to tell them that I am not the person they are hunting.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 11/15/2016 about Debt collection (Credit card) with Resurgent Capital Services L.P. (FL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: called saying he is a court processor and has papers to serve me. 
If i do n't response or accept I will be prosecuted. 

Numerous calls to family members. 
Have my civil lawyer call and send a cease and desist letter

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2016 about Credit reporting () with EQUIFAX, INC. (MS).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have judgements on my equifax credit report that should never have been reported. These items were paid in full. I am still a resident at the apartment complex. I would to have these items removed.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Prepaid card (Other special purpose card) with Empowerment Ventures, LLC (MA).
Issue: Managing, opening, or closing account

Complaint: I ordered a replacement card XXXX XXXX and it is now XXXX XXXX. I have called rush card several times and they can not tell me anything. I have called XXXX a day the phone either hangs up or i am on hold for XXXX hours to be told they can not upload anything due to the system outage. I am a single mother and have n't been able to access my money for 17 days and i can not get any answer to solution to problem. I keep being transferred, placed on hold, hung up on, call does n't go thru. And no answers to the solution. Now i have to sit here with no card, no answers, no money, no solution to the problem. My bills are late. My child is suffering. XXXX XXXX keeps tweeting that everything is back up and it isnt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-06-2017 about Mortgage (Conventional home mortgage) with BB&T CORPORATION (VA).
Issue: Trouble during payment process

Complaint: I was charged a late fee for my mortgage payment by BB & T Bank, even though the payments are set to automatic bill pay ( from a different bank, with whom I have a checking account ). The bank from which the payment came states clearly that the eCheck was sent the day it was due ( the same day of the month on which it is always sent ), and it was received that same day by BB & T.

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