milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/23/2017 about Payday loan, title loan, or personal loan (Installment loan) with Big Picture Loans, LLC (ME).
Issue: Charged fees or interest you didn't expect

Complaint: Dear CFPB, When I initially took this loan out it was not transparent that 6 installments of XXXX {$150.00} would be due. This interest rate would be equivalent to 780 % which is also considered loan sharking. The payment schedule was not made visible until after the loan was electronically signed. I have contacted the company via email and requested no further debits be taken from my bank account and that as I have now paid {$450.00} for a {$350.00} loan that it should be considered " settled. '' The company has ignored my request and upon research I have found information that this company is involved in fraudulent and illegal activities. Please find below a payment schedule the company for my account taken from it 's online center. My Account Loan Details Customer Name : XXXX XXXX Application No : XXXX Original Loan Amount : {$350.00} Principal Balance : {$200.00} Loan Docs : View Want to Make a Payment?
View Options Status : Current Loan Effective Date : XX/XX/XXXX Loan Maturity Date : XX/XX/XXXX APR : 602.043 Interest Balance : N/A Original Scheduled Installments : 6 Current Installment Cycle : 4 Current Due Date : XX/XX/XXXX Current Due Amount : {$140.00} Interest Paid To Date : {$300.00} Principal Paid To Date : {$140.00} Last Payment Amount : {$140.00} Last Payment Date : XX/XX/XXXX Loan Payment Schedule Pmt Order Due Date Beginning Balance Principal Balance Payment Amount Interest Ending Amount Payment Status Delinquency Status 01 XX/XX/XXXX {$350.00} {$91.00} {$140.00} {$57.00} {$250.00} Regular Current 02 XX/XX/XXXX {$250.00} {$17.00} {$140.00} {$130.00} {$240.00} Regular Current 03 XX/XX/XXXX {$240.00} {$34.00} {$140.00} {$110.00} {$200.00} Regular Current 04 XX/XX/XXXX {$200.00} {$40.00} {$140.00} {$100.00} {$160.00} None 05 XX/XX/XXXX {$160.00} {$64.00} {$140.00} {$84.00} {$100.00} None 06 XX/XX/XXXX {$100.00} {$100.00} {$140.00} {$46.00} N/A None

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Background : I receive a weekly credit report from XXXX. In order to verify the information, I went to Equifax and ordered the three-bureau report. The XXXX score reported on Equifax 's report seemed low to me, so I went to XXXX directly. Their score was significantly higher than the one reported by Equifax. I called Equifax to understand why the XXXX reports were so vastly different. 

During my call, the supervisor mentioned that Equifax runs its own model to develop credit scores. When asked why the XXXX XXXX scores ( the one provided by Equifax and the one provided directly from XXXX ) were so vastly different, the supervisor indicated that this was because Equifax generates their reports using their own model based on XXXX criteria. 

Complaint : I have XXXX alternative complaints : ( 1 ) That Equifax never disclosed to me, their customer, that when purchasing their XXXX-bureau package, they would not be giving me XXXX actual score, but rather their score based on XXXX criteria. In reliance of their advertisement that I could receive all XXXX Bureau 's scores, I purchased the package. ( 2 ) That Equifax , if they are not willing to disclose that they will be generating their score based on XXXX criteria, should then be made to provide the score I am able to obtain from XXXX directly. 

Conclusion : Given the sensitivity and importance around credit scores, and the need to provide such information to potential lenders, the bureaus have the responsibility to accurately and completely disclose to their customers where scores are actually coming from, rather than misleading them into purchasing a XXXX-bureau package that only provides a score from XXXX bureau with the other XXXX bureau 's criteria. Given that I was able to do my diligence, and reconcile the report provided by Equifax and the report provided by XXXX, I believe I was in fact mislead by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: On XXXX/XXXX/16 there was a hard inquiry done on my credit report from XXXX. I called Equifax for help with this and the person told me that I would have to call XXXX she told me it was XXXX XXXX North Dakota and that they were the only one that could remove it. She also told me that because I do n't have some sort of protection on my credit report that anyone could run a hard inquiry anytime, but I could pay {$16.00} a month and that would not happen.I called XXXX XXXX North Dakota and they way it is n't them. I have not pulled my other reports yet from XXXX and XXXX. Can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2016 about Credit card () with CITIBANK, N.A. (PA).
Issue: Credit card protection / Debt protection

Complaint: I have been a Best Buy Credit Card holder since XX/XX/2012. I am trying to pay off a balance but I have noticed that it does n't seem to be changing, so I decided to go online and review my account statements. I normally just go online and pay my bills since I have a general idea of what I owe. When I took a closer look I noticed I was charged a fee for what I now know is a " Debt Protection '' program that I never signed up for. I immediately called the credit card company and questioned this charge. After speaking to a " Debt Protection Specialist '' I found out that I was signed up for this in 2012 ( which I never did ) and I have paid {$820.00} into this program ( Not including any potential interest accrued ). They could not tell me where or when I was signed up for this program. I immediately had it cancelled. Again, I asked specifics of how I was signed up for it and proof. The woman, XXXX, put in a request for the proof and a request for a possible refund ( I was told it will take 30 days just for a response ). I asked for documentation that there will be an inquiry and was told that the documentation I would receive in the end was the only documentation they could provide me with. Basically the specialist can only submit requests and can not help you with any documentation. After the phone call I scoured my records and found my original paperwork from the initial credit card application. There is no mention of any form of " debt protection '' fees that I allegedly signed up for. In fact, the fees section is completely blank on my paperwork. I would have never knowingly signed up for such a thing because it is simple not cost effective ( I recently read about the details online ). I did not sign up at the time of the credit approval ( no documentation of fees on my paperwork ) nor would I have done so after. I did n't even notice the charges because they were small to medium amounts and I normally pay my bills online and since this has been happening for so long, my balance never looked " wrong '' to me ''. I do not know if this is some sort of scam guised under false pretenses to deceive the consumer or if it was an honest mistake. I know that I should have caught this sooner, but regardless it was something that happened that should not have happened. I am outraged that this is a practice of the company and expect them to remedy this issue.

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 12/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: my credit card with bank of America was stolen in XXXX XXXX my card ending XXXX there was XXXX charges on my account that i did not make the rep with bank of America did n't file my claim correctly on the card being stolen and my claim was closed because there was nothing put in my claim that my card was stolen for these charges too be properly investigated they did send me a new card out with a new account number ending in XXXX i have tryed too many times too get my claim corrected too try too get the money back on my account with nobody seeming too know how too correct my claim and get this resolved and wanting too do what ever i can too get this corrected and resolve the totaled amount in question is {$790.00} on theses charges

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 03/31/2018 about Mortgage (VA mortgage) with RoundPoint Mortgage Servicing Corporation (TN).
Issue: Trouble during payment process

Complaint: Had another XXXX XXXX and had to have a procedure for {$5000.00} was released from the hospital late on the XX/XX/2018 came home tried to make a payment over the internet and it did not allow me to do so. Tried to call the same evening and it would not allow me to make the payment over the phone either. I called on XX/XX/XXXX and was told that my house had gone into foreclosure today, and was told that if I had made 1 payment last night that I would have been fine. I stated that neither system would allow me to make the payment last night that is why it was not made yesterday. I have had ongoing health issues and they are aware of this. This is a scam to get more money from me or take my home away from me. I spoke with someone named XXXX today and he was just not helpful. He told me that I would have to call back on XX/XX/XXXX for the reinstatement amount. I want their records researched to prove that I tried to make this payment yesterday and XXXX XXXX tells me that he has no idea as to why it would not let me make the payment yesterday. Please see attached screen that I got on XX/XX/2018 when loan was still active.

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 05/13/2015 about Mortgage (Conventional fixed mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: I have made XXXX on time payments to my mortgage provider. XXXX time they claimed they never received the check and the other time they received it ( bank confirmed cashed ) and they claimed it had insufficient funds which it had ample funds to cover the check

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problems caused by my funds being low

Complaint: I disagree that I am being forced to Bank on east coast time, time and time again I do not believe I should have to place deposits in by XXXX, if that 's the case then the atm 's should not work after that. I am being charged again for fees. I have a deposit slip showing the money was put in the account & would cover what was needed. If I can put money in the account " Pst " time then it should count

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/26/2015 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: HSBC refuses to communicate with XXXX XXXX XXXX concerning my closed account. XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NY XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I am overly confused by the correspondence I have been receiving from not only your bureau, but the other XXXX bureaus also. I have a lot of items that are reporting inaccuracies, and your bureau has verified these accounts. I do n't understand how the disputing process works when you perform it, but I do believe you are doing something wrong on your end. Again, I am writing to dispute the following items to be DELETED from my credit report as soon as possible : XXXX XXXX I am disputing the opening date, the reported date, the close date and last activity date because I feel it 's not correct and is inconsistent on all three credit reports. Please remove this item immediately from my credit report. 

XXXX XXXX XXXX Investigate the late dates reporting on this account. The months you are reporting do not match my records. Please remove all lates from reporting on this trade line. 

XXXX XXXX XXXX XXXX I do not believe I was late on the dates you are reporting. Please report the payment status positive and remove all lates from reporting on this account XXXX XXXX XXXX XXXX Investigate the late dates reporting on this account. The months you are reporting do not match my records. Please remove all lates from reporting on this trade line. 

XXXX XXXX I am requesting an investigation of this collection because the assigned date and date of last activity does n't seem right. Please remove this collection from 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 explanation
Consumer complaint received 12-06-2016 about Bank account or service (Other bank product/service) with SYNCHRONY FINANCIAL (AZ).
Issue: Account opening, closing, or management

Complaint: I purchased a bedroom set from XXXX which I finaced that same day XXXX also bought and paid for with my debit card in the amount of {$110.00} a second box spring from XXXX. I received my furniture however the boxspring was damaged so the took the one they were going to deliver and brought the other XXXX later. I paid XXXX $ leaving a balance of {$590.00}. I received my second paper statement reflecting an increase in {$100.00}. I called the bank and spoke XXXX XXXX who said she didnt know why but shows was additional purchase made XXXX. I never went back to this store or any furniture store. XXXX said she couldnt help with the details and referred me back to XXXX. I called XXXX and spoke XXXX XXXX people XXXX they also show I finaced {$1500.00} and paid for the other purchase I was also provided physically a second itemized bill they told me to call the bank again which I did and was told I made second purchase XX/XX/XXXX for {$99.00} I asked to speak with a XXXX because I clearly am getting the run around from syncrony so the man said he would dispute this for me if i like, of course I request the dispute and a month passed I have now received another itemized bill and was told I signed it it is my signature. I called XXXX in finance whom will nit return my calls.

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 02/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Trans Union reports my employer as XXXX XXXX. I have never even HEARD of this company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XX/XX/XXXX I sent a letter stating i did not owe XXXX and asked for documentation. I did n't get any then I called and inquired about my XXXX income based repayment plan and asked about a consolidation loan but then they told me that I would lose three years of being on the program this was in XX/XX/XXXX. OnXX/XX/XXXX I asked for proof of my signature and they sent me back proof of only XXXX and beyond that point but only one signature nothing before or after that date. Then in XXXX I find out that the loans have been consolidated after they sent me proof of my signatures I asked for them to be removed. So i feel they consolidated them with out permission since they could n't provide me proof of prior loans on my file. They transferred me to the fraud department he took my name and work number. He did some investigating and he saw I called and inquired but I never signed to get them consolidated. He said since their is not signature on file he would reverse them. Now in late XX/XX/XXXX I get a letter saying sorry but there is nothing they can do they can not reverse the consolidation. I feel there were some errors on some loans and they took it upon them sleves to consolidate so they would n't have to provide the proof i was asking for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX XXXX, Equifax, XXXX notified the public of a massive data breach, in which they have informed me that my personal data may have been compromised. As XXXX XXXX XXXX have a duty to maintain the privacy and security of the data they hold, they have failed in this duty. I have placed holds on all of my credit reports to prevent identity theft, but that may not prevent all detrimental actions.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Mortgage (Conventional home mortgage) with PRIMELENDING, A PLAINSCAPITAL COMPANY (CA).
Issue: Trouble during payment process

Complaint: during the processing of our mortgage, Primelending mortgage service  has not fulfilled their commitment for the locked rate. It caused us higher interest rate plus extra charge for the point. Their reason was we delayed the appraisal, which we have communicated with them it would have to be hold-back for a week. In turns, they keep delaying the disclosure statement, and escrow date was moved back twice due to their lack of response. The escrow service team and the vendor lawyer had contacted them numerous time to finalize the deal, the deal almost fell through.
we have contact Primelending and the reply was our fault for delaying the appraisal process, and our debt ratio exceed their guideline which has never been stated. Also, we have rental agreement with a tenant with a monthly payment qualify for the mortgage.
We much appreciated you could open an investigation into the issue.
Thank you

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Prepaid card (ID prepaid card) with Empowerment Ventures, LLC (IL).
Issue: Fraud or scam

Complaint: Have n't received any direct deposits in 4 weeks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-06-2017 about Vehicle loan or lease (Loan) with CREDIT ACCEPTANCE CORPORATION (NJ).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: I explained to XXXX last week when she called that I had to medically retire from work and could not afford to pay {$250.00} before XX/XX/XXXX. I received a letter stating they would refer for legal action if it was not paid by then. Just like when they disabled my vehicle and I tried to call I ca n't get through to anyone unless I 'm calling to make a payment. All my calls have been forwarded to voicemails yet I 've received several calls from them to make payment arrangements they already set up like they know my budget and I 'm going through a hardship. Theyre also demanding a lumpsum settlement that I do n't have to pay at this time but wanted me to pay the settlement amount of {$4200.00}. I no longer have the truck. The interest rate they had my car priced at was an illegal rate 23.9 %. Although I signed the contract I was n't aware of this at the time or that they would tamper with and disable my vehicle after being one day late with my payment. The contract should really be voided because of outstanding interest rate I was overcharged. This is an aweful company to work with and has lied to me saying they did n't tell the car lot to install the disablement and for me to go there call them and they would let them know. XXXX said they would remove it if they spoke to someone from the finance company.I get to XXXX XXXX  where I got the truck from so Credit Acceptance can speak to them to have it removed and I 'm placed on hold for a long time and then I 'm told they did n't tell me that. So while the vehicle was in my possession I 've been at risk of being stuck in unsafe areas due to the vehicle being disabled for being a day or so late with payments and at the time I was working a lot and needed that extra day or so. I come out at XXXX to go to work from working a double shift the night before and the car did n't start. I was left without transportation to work or to the bank to even deposit the payment.

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 04-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: XXXX XXXX called my cell phone number ( no authorization was give from them to contact me via my cell phone ) -- they claim there is a pending law suit against me for Fifth Third bank -- -the mini Miranda was not given correctly -- they stated " This is an attempt to collect a debt and any information obtained can be used against me in court '' -- -I advised that I was currently in a bankruptcy -- XXXX -- I gave the women my Attorney 's name and advised to cease all calls. The following 2 days by parents have been receiving calls from them stating they have paper work to serve to me and that I need to contact them. I again called and have information to them and again gave them a cease -- they called my parents again today from a phone number that can not receive incoming calls,.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Bank account or service (Checking account) with SCOTTRADE BANK (CA).
Issue: Account opening, closing, or management

Complaint: Scottrade Bank Manager XXXX XXXX XXXX instructed me to provide me personal information in a manner that is insecure ( via unencrypted email ). Roughly 10 days after providing the information as XXXX XXXX 's request, my account was hacked. Scottrade refused to make my account whole and said I was responsible for the hack. 

To warn other consumers, do not trust this company. At the current time Scottrade will not even address my concerns. 

Attached is the correspondence between myself and XXXX XXXX.

Company response to consumer: Closed