milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/15/2015 about Debt collection (Credit card) with Suttell, Hammer & White, P.S (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: This law firm never served me with summons before court date in order to receive summary judgement. They are crooks.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have asked for validation of this debt and they refused to send it to me but they also refuse to remove it from my credit report. They have never shown me that this is my account according to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b )

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2017 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Closing/Cancelling account

Complaint: I am filing a complaint against Synchrony Bank ( XXXX XXXX XXXX, XXXX, FL XXXX ). Synchrony Bank is affiliated with several companies that I have or had credit with, namely JCPenny Credit Card, Amazon, Old Navy, Discount Tire, Walmart and PayPal. My complaint with them relates to account ( s ) limits authorized with them and their reduction of my credit limit without warrant. It is not the fact that the credit was reduced, but sometimes reduced below my original credit line which ultimately negatively affects my credit score. In the case with Old Navy, the account was paid in full and Synchrony failed to notify me. Around XXXX time, I attempted to make a purchase and my card was closed by Synchrony. In another case with Amazon, my credit was reduced causing a credit on my account because I had already paid the balance in full. Synchrony kept the credit on my account and did not refund me the difference. In another case with JCPenney Credit Card, the credit limit of {$210.00} was reduced to {$100.00} which negatively affected my credit. I strongly believe that the posture that Synchrony has taken with my accounts has negatively affected my credit causing me hardship and XXXX on my family.

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 05/27/2016 about Mortgage (FHA mortgage) with Finance of America Mortgage LLC (NJ).
Issue: Credit decision / Underwriting

Complaint: On XXXX XXXX, Finance of America pulled my credit without my consent or authorization. They only reason I knew was because I got an alert through my credit monitoring company. 

I do currently have a mortgage with them and never been late, but how can they just pull my credit at anytime without telling me?

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I am a XXXX with the XXXX XXXX and currently have a home loan with XXXX XXXX XXXX  that began in XX/XX/XXXX. <P/>Over the last 7 years, I have had an extremely difficult relationship with my lender and have filed several disputes through XXXX, Tranunion, and XXXX against the late payments displayed on my account with XXXX XXXX. <P/>I will admit that have been late in the past in which I always made arrangements, but I have not had late payments to the extreme that is reflected on my credit report. I could never fully understand how my monthly payments were being applied to my account. I had lengthy phone conversations with the lender 's representatives that were always stated to be recorded. So much so that, I requested copies of all payments made to my account from the beginning of the loan to date. <P/>After reviewing these records from XXXX XXXX, there are discrepancies in what the credit report states vs. what is stated on the statement breakdowns. <P/>I disputed these findings to XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, IA, XXXX asking that these findings be investigated. I received no response. As a matter a fact, on my credit bureaus it states that the " Subscriber reports dispute resolved - consumer disagrees ''. <P/>I have been on a payment plan with the lender in the past but that is not reflected at all on my report and the monthly payment amount being reported is at {$2000.00} vs. the correct amount of {$2000.00}. <P/>I would like to have an investigation done on my account. I feel that I am a victim of the XXXX XXXX fake account scandal. <P/>I have been in XXXX XXXX for 15 years and in my a career in XXXX XXXX honesty, morality, professionalism, and integrity are my core beliefs and I expect to be treated the same. <P/>I look forward to hearing from you soon!

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 07/20/2015 about Consumer Loan (Installment loan) with BB&T CORPORATION (CA).
Issue: Taking out the loan or lease

Complaint: Hello, I have recently inquired about transferring my personal property into my business which would require me to obtain a business loan. I have been attempting to do this with XXXXI began working with XXXX XXXX XXXX XXXX # XXXX ) in XXXX of 2015. It has been a nightmare dealing with her and I have found her conduct to be extremely unprofessional. Initially she took all of my information, and I was extremely transparent about my goals and quick to respond with financial information as needed. Eventually communication began to wane and weeks were going by without an update. She would haphazardly ask for different forms at the last minute, and would not bother to call or make sure these " last minute '' request were received. At one point after asking her for an update, calling both her work and cell phones AND sending an email, she emailed me back saying the loan was cancelled-she did n't realize that everything had to be completed within 21 days of initiating the request, AND she tried to say it was my fault because she asked for a form on Friday and it was n't there on Monday XXXX the same day it was cancelled apparently XXXX. 

I still proceeded to try to re-apply and continue the process with XXXX XXXX and BB & T. I had to consistently XXXX her down for updates. There were 2 WEEKS where I have heard NOTHING. I eventually caught up with her on her cell. She proceeded to tell me that she " thinks '' the hold-up is some additional paperwork that she " personally '' has some concerns about, AND when I asked if it were possible to just check in regularly even if there is no new information ( which I 've never heard of ), she basically refused. 

Eventually I complained to BB & T about the process, and after talking with her apparently, they said my application was in underwriting and they were n't sure when I would hear back. That is totally bogus and I know this because I have 3 other loans and I know how the process works. Coincidently, I received an email from XXXX XXXX a week later saying they could n't help me with my loan. No REAL or clear reasons, AND this was more than 2 weeks after my last interaction with her. I found this experience to be totally unfair, unprofessional, and unacceptable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Debt collection (Medical) with ATG Credit, LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently reviewed my credit reports and I have found several accounts from this debt collector that they say belong to me. Under the Fair Credit Reporting Act, 15 U.S.C & 1681g I have the right to demand that documents be disclosed to me verifying accurate information with my signatures. I am also allowed under the XXXX law to protect my privacy and medical records from third parties.. I have sent numerous requests to delete this misinformation from my credit reports and no response from this company ... I would really like this resolved and all misinformation deleted from my credit profiles please

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Please help me understand debits that are 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 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: 1 ) The recent inquiries on my credit report are fraudulent the dates of those inquiries are in the attachment provided. I did not authorize my credit to be ran and sent dispute letters and faxes and also the wrong names and addresses are being reported on my credit. 2 ) There is a XXXX account reporting on my credit that is NOT MINE, my information was fraudulently used, if this account is reporting under my name. the company itself could not supply a signed contract. With that, there is NO proof this is a debt that is reporting accurately, violating FCRA. 
3 ) The credit report is showing erroneous addresses and names, including ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX # XXXX XXXX XXXX , CA XXXX and XXXX 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 non-monetary relief
Consumer complaint received 09/21/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (IN).
Issue: Loan modification,collection,foreclosure

Complaint: This borrower was offered and accepted a trial modification with payments of {$530.00} for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2016. Borrower made her trial payments and has continued to pay but has not yet received her permanent modification documents. XX/XX/XXXX she was told by a representative that the documents would arrive in 7-10 business days. She has not received them, but has continued to pay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: In reviewing my loans with Navient it came to my attention that they had incorrectly applied my payments for 2015. When I made extra payments to XXXX of my loans, their automatic system reset the " due '' date on that loan. I noticed the change in date immediately, and called to have them continue applying payments to that loan. Despite my instructions, their system continued to misapply my payments, allowing interest to grow on that XXXX loan ( considerably ) so that every addition advance payment I made, was absorbed almost entirely by the interest. I trusted them to apply the payments as I had directed, and when I continued to see the same amount taken out of my bank account for payment, it appeared to me that they were doing what I instructed. I only recently discovered they were simply applying the extra payments to other loans, and skipping the loan I had asked them not to.I did speak with a representative who acknowledged the issue with my account and is working to fix it. My concern, is that I no longer have faith in this company to accurately apply my payments and manage my loans. I want additional investigations into this matter to ensure they adjust my account correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am tremendously offended and outraged at Equifax. Recently, I received a credit score from Equifax and it was significantly lower than I expected. Upon further investigation, the credit report I retrieved subsequently revealed significantly lax controls by the credit bureau, as well as some wild assumptions that tie into potential race issues. When I retrieved my credit report, I found out that for some miraculous reason, both my sisters SSNs were linked to my report. In addition, my birthdate apparently is XXXX, when in fact, is XXXX. Unless I 'm mistaken, I would 've thought that an individual is tied to XXXX single SSN, and not XXXX additional SSNs. This unfortunate situation has led me to appear to be responsible for all credit-related accounts that are not mine, including student loans, a delinquent credit card account, and credit inquiries that I never made. In addition, because all of our names have beginning syllables that are identical, that makes it such that I am the same person as my sisters. Although I attempted to self remediate the situation online via Equifax Dispute Resolution, the button will not let me hit submit - it appears that the system makes it that much more difficult to even self-help. I am resorting to notifying the only potential bureau about this issue that can help escalate and resolve this issue. Any institution that has any reasonable controls should 've flagged the very fact that XXXX person is tied to multiple SSNs for further investigation and independently verify the accuracy. This is a failure on the compliance program of Equifax and I am requesting assistance to get an accurate report - do note that other credit reporting agencies ( i.e., XXXX, XXXX ) do n't seem to have this issue. I am attaching both a credit report for XXXX agencies, as well as a word document that I copied and pasted from Equifax 's website ( which would n't let me submit and froze me out ) for further reference of what my specific disputes are. In addition, I am attaching a copy of my passport and my SSN as evidence of what the accurate information should be. 

On a separate matter, I would also be concerned at the sheer fact that I now know the entire credit history of individuals other than myself, and what potential ramifications that has on the privacy of the effected individuals ( regardless of whether or not they are family members ).

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (OH).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: JP Morgan Chase bank, buys it 's customers credit report sin order to sell them loan rates, and justifies doing so by using the information on those publicly available reports as " security questions '' on your accounts. It makes them unsecure, and when presented with my displeasure, they basically told me they could not set up alternate security.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Mortgage (Conventional fixed mortgage) with CASHCALL, INC. (CA).
Issue: Application, originator, mortgage broker

Complaint: I heard a radio ad for getting a 15 year mortgage loan for 2.5 % with NO costs from CASH CALL company here in California. I applied because I had a very high fico score and good income. I was told that I was accepted for a loan. I filled out all the documents and submitted all the documents as required. I was told that I was approved for a loan. Loan documents were submitted to me for signing in front of their notary and the process was completed. I waited to hear from the company and did not hear back. I finally requested to hear a reason and they said that when they did a " FINAL '' review that I had just missed the cutoff for qualifying for the loan. They offerred to do a loan at a higher rate. I told them no way. They said they had the right to not give me a loan based on the " final '' review. I explained that they had made some mistakes not in my favor and that I should have gotten the loan. I told them they wasted my time and that I missed the window to get a great rate because of them. They were the ones that had said I was approved and I deserved the loan as I did everythiung they asked and had CONCLUDED with an official signing of the loan docs which in my book meant the loan was done and completed. They disagreed. I have resented this situation since that time. I was told recently by a loan broker that once the loan was signed that as long as I did everything correctly which I did they had to give me the loan and that their refusal is actually illegal and that they must make good on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (NV).
Issue: Trouble during payment process

Complaint: My mortgage was purchased from  Bayview Loan  servicing in  XX/XX/XXXX    while I was in a chapter  XXXX  BK. I completed the bankruptcy  XX/XX/XXXX . I have repeatedly tried to discuss my account with them in reference to them reporting to all credit bureau that my account was past due ( even though it was not and if it was they can not report while a person is in bankruptcy ) they were reporting the mortgage as closed and I was not receiving a monthly invoice. I also made multiple payment that they were putting in a suspense account instead of applying it to my mortgage and my escrow account that I was short. On numerous occasions I was advised they could not discuss my account because of they Bankruptcy status. I was asked to fax over proof the BK was  discharged which I  did but they said they never received. I called my attorney who sent over proof and then they stated they needed proof from the courts. After becoming irate and someone finally listening to me they sent my account to the escalation department last month (  XX/XX/XXXX   )  where I gave all my concerns to  XXXX . She informed me that she will research and get back to me. She did call me back and advise that the credit bureau has been corrected my account is in a current status. and I will start to receive monthly invoices. I just received my  1st i nvoice  XX/XX/XXXX  and to my surprise it shows I am past due {$1200.00}. I then called to get an explanation and was continually transferred to a generic voicemail for a  XXXX . But I hung up and call back 3 times and finally a  XXXX  answered I explained my concerns he advised I am current but when I question why did I receive a invoice showing the {$1200.00} past due he advised me that while I was in bankruptcy I was late or fee was accrued. I explain before my BK  was discharged the cou rts sent a letter stating if any fee or past due payments is due they need to respond because my BK was about to be discharged.He then became combative and said I need to fax in my dispute. I advised no I need to speak to  XXXX  in escalations because she assisted me last month. He then lied to me and said they do not talk to customers and I need to fax in my request.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (MN).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Illegally discussing account with someone not verified. I owe XXXX XXXX and it went to collections. I did not authorize anyone on this account.XXXX XXXX XXXX ( CCS ) called and was informed by my wife that I was not there. She asked to take a message and they informed me " I guess I can talk to you '' and proceeded to ask for my address and phone number, which can be found in phone book. She gave them the information and they started talking to her about my debt. Nowhere did they ask for her name. I held a job XXXX XXXX for a very prominent XXXX company and it was drilled into us we had to verify who we were talking to.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Debt collection (Medical) with Renton Collections Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: 2012, in Washington State, I visited the Emergency Room due to XXXX. I had some minor injuries. I was told that the government has a program to cover my visit due to the cause of incident. I never received a bill or was informed about the current bill I have had.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 11/16/2017 about Checking or savings account (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (PA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I signed up for a promotional offer with Santander Bank to get {$350.00} for opening a Simply Right Checking account. I qualified for all their requirements but they are staying that the {$350.00} was only for their Premier Plus Checking account and the Simply Right Checking account was only eligible for {$220.00}. The fine print indicated that the Premier Plus, Simply Right, and Basic Checking accounts were eligible. I have attached the flyer as a reference.

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 07/19/2016 about Mortgage (Conventional fixed mortgage) with BANCORPSOUTH BANK (MS).
Issue: Credit decision / Underwriting

Complaint: My mortgage loan with Bancorpsouth in MS may have been subject to discriminatory financing. Although our mortgage was approved, the final loan had a higher interest rate and PMI than originally estimated. The interest rate and PMI used in the good faith etimate was 1 % lower than our " lock '' rate and the Final PMI was {$110.00} more. Even their our LTV was only about 82 % we are paying extremely high mortgage interest. I am asking for an immediate refinance to explore other loan products.

Company response to consumer: Closed with explanation