milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-04-2015 about Debt collection (Payday loan) with FIFTH THIRD FINANCIAL CORPORATION (KY).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: In regard to the EFTA ( Electronic Funds Transfer Act ) and EFT ( Electronic Funds Transfer ) : When I use a payroll advance, the repayment is in the form of an Electronic Funds Transfer. My direct deposit paycheck is immediately taken ( seized ) and applied to my outstanding payroll advance. As explained below, this is in direct violation of the Electronic Funds Transfer Act, Regulation E. My money is taken when I some amount of time to repay it. I could have 30 or 40 days left to pay my advance back to the bank. This often leaves my account at a {$0.00} balance. There are often overdraft fees associated with my account, when I technically have use of the payroll advanced funds for usually 30 to 40 days. I am left with no discretion as to paying back this advance. Fifth Third Bank knows they will get their repayment. This is not just a complaint for myself. This is for all Fifth Third Bank customers stuck in this payroll advance circle. If customers were allowed the entire 45 days, it would assist them in getting out of this situation. I believe these payroll advance products are predatory due to the facts I 've listed above and are not intended to help the customer, but trap them. 
A violation occurs when your are forced to sign away your legal rights provided by EFTA to obtain a payroll advance. A violation of the Electronic Funds Transfer Act, Regulation E occurs when the bank makes it a condition for an extension of credit that repayment will be by means of preauthorized EFT. This is disallowed except for credit extended under an overdraft credit plan or extended to maintain a specified minimum balance in the consumer 's account. See excerpt of the EFTA below. 
VI. Other RequirementsPreauthorized Transfers-Section 205.10Compulsory use. The financial institution may not make it a condition for an extension of credit that repayment will be by means of preauthorized EFT, except for credit extended under an overdraft credit plan or extended to maintain a specified minimum balance in the consumer 's account. ( Section 205.10 ( e ) ( 1 ) ). The financial institution may offer a reduced APR or other cost related incentive for an automatic payment feature as long as the creditor offers other loan programsfor the type of credit involved. ( Staff Commentary 205.10 ( e ) ( 1 ) -1 ).

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2018 about Mortgage (Conventional home mortgage) with U.S. BANCORP (FL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: We are a Family living in XXXX Florida, Me, my Husband and XXXX teenagers daughters, I work for the XXXX XXXX XXXX, and my Husband is an XXXX, last year we had the impact of one of the most destructive Hurricanes from the past 20 years and under federal disposition all mortgages together with credit companies agreed to help the Florida residents holding payments for 2 or 3 months and putting those payments at the end of the mortgage life that was the agreement with US Bank our Mortgage lender, we verified before accept the help that the credit will no be affected and the monthly payment keep as before, after the first month without payment all statement came with all late payments fee, plus threatens of foreclosures, and our credit was seriously affected, we called several times, and their response always was that the system generated those warnings automatically but everything was under control and they will do a modification without affecting the current monthly payments in XX/XX/XXXX the first month after the 3 month hurricane help, well in XX/XX/XXXX our nightmare began, the modification last 3 months now we have to pay in full in 6 moths the 3 months of hurricane help that should be placed at the end of the mortgage life, then our first payment as soon as in XX/XX/XXXX jump from XXXX to XXXX for the next 6 months that include the month after Hurricane XXXX XX/XX/XXXX. XX/XX/XXXX. and XX/XX/XXXX plus the late fees ( XXXX ) that they agreed not to charge resulting in a total of XXXX, far from a hurricane help this is an abusive and coercive method of removing our home after 14 years of loyal costumers always paying on time it makes sense the housing market value is around {$330.00} and our debt is XXXX and we already paid in 14 years to US Bank XXXX, maybe more and our first preconstruction sale was XXXX. We are a mid-class family my oldest daughter is getting to the university, and the youngest in XXXX XXXX. We are very frustrated with this situation because of looks like if we do not have any rights and the banks have you as a prisoner due to the debt. This Institution is our last resource we beg you for help. We have no choice, no options as the US Bank repayment plan agreement says dated on XX/XX/XXXX, anything else means Foreclosure. Thank you for being there to give us some Hope.

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 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have called, concerning a lot of inquiries I dont recognize.. its affecting my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Transunion dispute number XXXX. I am not allowed to view the details of my dispute. This dispute was initiated on the XX/XX/XXXX. Upon investigation on XX/XX/XXXX I saw that my dispute began XX/XX/XXXX that day has not yet passed. I have tried to access the information via internet and phone. I 'm given an error message that states my information can not be accessed at this time. When I call there is no information about anything available pertaining to my case number

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 08/15/2015 about Consumer Loan (Installment loan) with Marlette Funding, LLC (IL).
Issue: Taking out the loan or lease

Complaint: Multiple offers for " pre-approved '' installment loan to assist with debt consolidation. Letters read : '' You 're Pre-Approved for a personal loan up to {$50000.00} '' Once personal information is entered on website, no offers given.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was notified of the a XXXX rewards card opened in my name on XXXX XXXX, 2017, via a letter in the mail. I did not apply for this card, and was told to contact XXXX. I did on XXXX/XXXX/17 and received file # XXXX. 

Then I was notified a few days later of a car - purchased in my name in XXXX XXXX, CA. I am a Massachusetts resident. I placed a fraud alert on my credit on this day. ) XXXX/XXXX/17. Since then I was contacted by XXXX XXXX - a fraud investigator for XXXX XXXX. He told me that there are at least XXXX inquiries open on my credit since XXXX XXXX 2017. Including personal loans, and a XXXX card with {$3500.00} credit limit. 

I have requested a copy of my credit report - XXXX. Which should be mailed to me in the next 7-10 business days. 

I have opened a police report with the local authorities. 

Are there additional steps that I can take? 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2016 about Mortgage (FHA mortgage) with CITIBANK, N.A. (TX).
Issue: Application, originator, mortgage broker

Complaint: my husband had a XXXX XXXX XXXX and I needed to remodify my loan my husband who was the bread winner of the family would n't be able to work any more and we were living on my XXXX/ of XXXX a month we went from XXXX to mine over night. I filed they said to skip three months I was learly but I followed the instructions to the letter and they put our home in foreclosure and we almost lost it I called and wrote senators and govenors and even the president they a even tacked about XXXX to my loan after about three months of doing this,, this was wrong and needless and needs to stop, it was citi mortage account XXXX why is this happening to people? and can we get the money they conviently took from us my husband died XXXX XXXX and the stress of this did n't help I sold my home and moved to XXXX where I have just file a complaint with XXXX,,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I had a case opened with experian here is the case number : XXXX which was resolved. I received a copy of my credit report and I verified that the XXXX account balance were updated to XXXX. I just pulled my credit report and the balance reflected right now is not XXXX, it has gone back to the old balance again. This is the original complaint " I had XXXX credit card accounts with XXXX for which the debt was forgiven and I was issued XXXX forms. Cancellation of debt. I then, when ahead and reported XXXX accounts on my personal income taxes for XX/XX/XXXX and XX/XX/XXXX, and paid accordingly to the IRS. The account has been written off and taxes have been paid on the amount forgiven, XXXX has been given the tax write off but they are still reporting a full balance for XXXX account on my credit report. It should be reported a XXXX balance as the debt has been cancelled/forgiven, the have already taken the tax write off from the IRS and now they still want me to pay in order to report a XXXX balance to the credit bureaus. This would be double dipping for XXXX, getting the tax write off and then still collecting the cancelled amount on XXXX accounts. Partial account numbers are : XXXX and XXXX, full account numbers are reflected in the attachment. XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/27/2015 about Debt collection (Auto) with GENERAL MOTORS FINANCIAL COMPANY, INC. (HI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They keep calling one call after another

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/21/2017 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (FL).
Issue: Loan servicing, payments, escrow account

Complaint: my home need {$6700.00} of escrow every year. All of the sudden Round point mortgage company want to add around {$8000.00} to my escrow knowing that my home insurance, my house tax, and my PMI is not changing. I called the Bank and No body is able to explain to me. They just read the letter again to me and do nothing as they are not professional bankers!! its like someone in XXXX is answering my questions. This bank has no local office or no one who can speak with no accent to help me around. I can not pay extra {$8000.00} for my mortgage monthly payment I told them just come and take the house and of course they did not care.

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 12/18/2016 about Debt collection (Payday loan) with Midwest Recovery Systems (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was just made aware that my XXXX/good credit score took a dramatic drop because XXXX XXXX XXXX incorrectly reported that I owe a payday loan of {$840.00} to all XXXX agencies. I have NEVER taken a payday loan with MRS or the companies they represent and have never taken out a loan in the 12 years I 've been here. I 've disputed this with all XXXX agencies, filed a XXXX compliant and am now doing this with you. After researching Midwest Recovery Systems, hundreds of other people have complained about the exact same thing. This was illegally and mistakenly added to my report and I want it removed on all XXXX reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (PA).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due X/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company 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 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I had a credit card with XXXX XXXX with my spouse ( joint account ) which he added me to his account. Now the account shows closed with {$180.00}. In XX/XX/XXXX my spouse check his credit report and it showed Applied bank on his report. In XX/XX/XXXX he check his report and applied Bank was off his credit record, but it's still on my credit record. I ask few times to have TU check this out, no outcome, still on 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 explanation
Consumer complaint received 09-05-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (MA).
Issue: Trouble during payment process

Complaint: Since XX/XX/XXXX when we requested that we pay our own property taxes and end the escrow account, we have been trying to get a return of the money collected in that account. Since no check had arrived as promised ( within 10 business days plus mail time ), we called the mortgage company to find out where our money was on XX/XX/XXXX.. The representative said that the request had never been processed as ordered, escrow funds were continuing to be removed from our bank account. but that it would be resubmitted and she would try to expedite the check sending process. There was no check received, so we called again on XX/XX/XXXX and were told it would need to be initiated again with another two week plus wait time. On the XXXX we called to check on the progress and learned that the process was done incorrectly and it would take another two plus weeks to get a check out. At this point, I was transferred to a " supervisor '' who would not give her last name. and asked her to credit the $ XXXX to our XXXX mortgage payment, feeling that this would be the only way to see our money again. She stated she would email the representative about this request, but we have learned on XX/XX/XXXX that this was not done and the process was again starting over to release a check.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX   XXXX   XXXX  is reporting a balance on my credit reports when the debt is paid.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (MD).
Issue: Loan modification,collection,foreclosure

Complaint: My loan was in foreclosure in 2013. I reinstated and brought the loan current on XXXX XXXX, 2013. At the time of reinstatement I paid {$1200.00} of attorneys fees. After 2013 my loan was never in foreclosure again. My current statements shows a balance of attorneys fees of $ {$880.00}. I have asked Nationstar to specifically provide the itemization of these fees added, including when the cost was incurred and to whom the fees were paid. They have failed to provide the requested information.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Debt collection (Medical) with ADR ARBITRATION SERVICES (Closed) (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: My Chapter XXXX Bankruptcy was discharged in XX/XX/XXXX and most all debts have been removed from my credit reports, e.g., XXXX and XXXX. Revenue Recovery Services is still showing negative remarks regarding this debt from XXXX XXXX XXXX in XXXX XXXX, TN XXXX occurring XX/XX/XXXX. This negative remark has lowered my credit rating considerably and has resulted in me being denied certain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Debt collection (Other debt) with Credit Protection Association, L.P. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I called Credit Protection Association on XX/XX/2017 in an attempt to pay off this account. We have been working diligently to repair our credit in order to be able to purchase a home. When we paid the debt, we were led to believe that the account would be deleted upon payment, but that was not the case. On XX/XX/17, the account was marked paid, but it was not removed. This payment did not improve my score, and we are now, a full year later, working to remove it because of the lack of improvement due to this 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 04/26/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (OH).
Issue: Trouble during payment process

Complaint: In   XXXX  , I obtained a mortgage from  Wells Fargo to p urchase an investment property. I 've never missed a mortgage payment since. In   XXXX   XXXX  , there was fire damage to the property caused by the tenant at the time. I filed an insurance claim and received an amount that ' s 2.4 times th e mortgage I currently owe  Wells Fargo. At about the same time, I have received an offer from another investor wanting to buy the pro perty as-is, but I have a HELOC on the property as well through another financial institution that I was going to pay off using the insurance proceeds. Since the insurance check was made out to  Wells Fargo and me, I called Wells Fargo 4 TIMES in less than a week explaining that I had a   buyer lined up to buy the house as-is and would like for them to endorse the check and send back to me in time for it to clear and close by   XXXX  . Each time, the claims dept said ok. I even sent the check  Next Day mail and included a Next Day return envelope ( at my expense ) so I could get the check  back prior to my  XXXX  closing date. On  XXXX , I received the pre-paid Next Day shipping envelope I sent them but it was empty. I called on  XXXX  and only then was I told that the funds were put into escrow and paperwork sent me to detail how I was going to fix the property!!! I have now had well over  15 conversations  with different  Depts at Wells   Fargo in  less than a month, including with a  XXXX   XXXX  at thei r Executive Solutions (? ) Team but they keep asking for an insurance adjustment sheet for   repairs to the property. Last week, their collections dept even called me stating my mortgage is past due ( which means there 's a real chance my credit will be affected ) WHEN  WELLS FARGO HAS MORE THAN TWICE THE AMOUNT I OWE THEM!!! I keep telling them to deduct  the mortgage balance and send me the rest, but NO ONE seems to care ... for some insane reason! After faxing the worksheet ( which I 'm still n  ot sure why they need it as no one has explained it to me ), I am told it may take another 30+ days for the funds to be returned me!!
In my opinion, this is a blatant example of how a trillion dollar company uses their weight to crush the average person because they can. I am missing out on selling the property ; my Federal tax liability was not paid on time ( as I made plans based on them endorsing and sending me the check back ) and my credit rating may be affected as well, not to mention the emotional toll of having to deal with front line reps who are completely helpless, providing me canned/templated policy responses! On top of all this, they 're making money on my misfortune because the property is still incurring {$2.00} in interest A DAY while they hold on to the money I 'm counting on to pay them off! Should I be considering legal action instead?

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 05/19/2017 about Debt collection (Other debt) with I.Q. DATA INTERNATIONAL, INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: i LIVE at   XXXX   XXXX   XXXX  in  XXXX   XXXX  i got laid off  XXXX . i contacted the  apt immediately to f ind out when my lease has up and to submit my 60 day notice to leave. i moved. i received a letter from iq data saying i owe  XXXX  i called iq data they would not help so i went to   XXXX    XXXX   and t hey did not help either. I went to the city of   XXXX   XXXX   c  ourts and was advised  XXXX  filed on eviction on me. they gave me a copy of the paperwork. i send that ( along with the other paperwork i got from  XXXX  explain wy i owe them so much ) to the  XXXX  credit bureaus for help. the  XXXX  bureau completed investigations ( at leave  XXXX  investigation each  ) but t hey are saying the information has been updated as accurate. I have even called the  XXXX  bureaus and nothing is happening. This month I was told by iq data that they know its not right and  i may o we  XXXX . I did not agree with that. I even offered to pay  XXXX  until the investigation was complete so they would completely remove it from my credit report because  no one will   lease to me and still nothing ... .. I can not get any answers. iq data is still investigating knowing that the information is incorrect. i feel like i this entry should be completely removed from all   XXXX   of my credit report since i have been going through this for at lea st 1  yr. i moved  XXXX , i looked into itin end of  XXXX  ( got discouraged ), did nothing  XXXX  and have been trying to fix it since  XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation