milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/27/2017 about Payday loan, title loan, or personal loan (Installment loan) with Enova International, Inc. (MO).
Issue: Struggling to pay your loan

Complaint: I have made  2 att empts with this company to try and settle this outrageous loan. They deny to help or settle in anyway. I sent them a hardship letter pleading to settle this debt as I can no longer make the full payments as being in hardship and a single mother of  XXXX  now. They would rather me not pay and it go into collections than try to b e CIVIL  in this matter. This company should be shut down as it prays on poor desperate people who either have no choice at time or do not understand. They are rude and very unprofessional! I feel they have very bad business practice, and I feel there should be a law against these kinds of companies! I made a very good offer to pay the EXACT amount I was lent no more no less. But again they would rather not be paid and hurt me and others more by not helping in anyway! At least I have 2 times now tried to settle this, now I 'm almost 2 months behind on this loan after NEVER being late once! Horrible I burrowed {$5400.00} have pain back {$2200.00} and they show I still owe {$5100.00}? so out of {$2200.00} worth of my money I paid them, they are showing I still owe {$5100.00}? NUTS!! So meaning only {$340.00} of {$2200.00} has gone to my principal! JUST SICKNING! I am willing to go to the news or court to file a complaint against this company and help warn other people!    Desired Resolution : Billing Adjustment Desired Outcome

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX, 2017 I sent certified letters to all three credit bureaus, Equifax, XXXX and XXXX requesting removal of unauthorized inquiries. They returned a letter stating they would not remove them and I needed to contact the creditor directly. I again on XX/XX/XXXX mailed all three bureaus letters requesting them to remove the inquiries and I also included a copy of my police report from my fraud/theft claim as someone had stolen my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2016 about Credit card () with WELLS FARGO & COMPANY (MN).
Issue: Billing disputes

Complaint: I have sent numerous letters and made numerous telephone calls of complaints to Wells Fargo Financial National Bank in regards to my XXXX Account : XXXX and receiving defective furniture from XXXX XXXX. My issues still has n't been resolved as of today. I been attempting to resolve the my issue with Wells Fargo Financial National Bank and XXXX XXXX for almost 1 year now.

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 11-12-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with PNC Bank N.A. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX of this year, due to a hardship financial situation that started XX/XX/XXXX, I applied for a loan modification with the intentions of lowering my mortgage payment and continue living in my home. PNC has not been able to help and instead they have caused emotional distress. 
Summary after my application denial from PNC. 
XX/XX/XXXX mortgage payment in person ( see receipt attached ) XXXX payment has not been applied, per PNCXX/XX/XXXX. mortgage payment in person ( see statement attached ) XXXX payment has not been applied, per PNCXXXXXXXX {$2100.00} payment for escrow shortage to PNC, ( funds came from a credit card cash advance ), to pay off PNC escrow account PNC had recently established against my will even though I was up to date paying my insurance and taxes. 
XXXX Received a letter from PNC claiming my mortgage is late.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Mortgage (Other type of mortgage) with BROKER SOLUTIONS, INC. (CA).
Issue: Applying for a mortgage

Complaint: I applied for a loan over the phone with New American funding on XX/XX/2017. I received from the VP officer XXXX XXXX pre-approved loan letter on XX/XX/XXXX. After delivered all requested docs, on XX/XX/XXXX, I received a written full loan approval letter which also stated go ahead to " remove all contingencies '' for my home purchase contract. Upon receipt, I performed my due diligence and obligations pursuant to the purchase contract and removed loan contingency. I would not have done so without the written full loan approval from New American Funding. I had sent all paper work, locked rates, paid for appraisals and inspections and had XXXX on earnest deposit held at Chicago Title. Unfortunately days from escrow, I was told that the VP entitled of my loan quit the company without notifying me and my agent. The loan passed to different loan officers who promised new closing dates. The new loan officer XXXX XXXX asked for more time as they need to unlock the files under the license of previous XXXX XXXX XXXX. It took me and my agent many phone calls and lot of stress to get escrow dates. I experienced many unethical behavior from their employee. XXXX XXXX assistant sent emails to my accountant without my previous authorization asking him to provide false information. My agent tried to talk to a branch manager XXXX XXXX XXXX who introduced to another employee XXXX XXXX XXXX who on XX/XX/XXXX told us they could not fund the loan. As my duty I canceled the purchase agreement as the seller could no longer wait. They put an offer on her new home in Arizona and the sellers of the Seller escrow was also pending on my escrow. While New American Funding VP XXXX XXXX recognized their employee 's mistakes and asked for all receipts of my expenses due to the delinquent behavior of a VP loan officer, I have only received 6 % of damages. It is unfortunate that a lender company like this one can cause harm people, and it is still in business. I am looking for reimbursement of earnest deposit in the amount of {$30000.00} lost due to the delivery of a Full Approval Letter by New American Funding in the purchase of a residential property contract in California in the amount of XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (NJ).
Issue: Settlement process and costs

Complaint: I am trying to buy a short sale property at XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX. 
We have gone through the entire process of sending paperwork etc, to the servicor Nationstar on behalf of the XXXX. Nationsatr is telling us that the investor, XXXX, who had the house appraised twice, once in XXXX XXXX and now again XXXX of XXXX. The XXXX appraisal had no requiremtns to fix the home the second has {$15000.00} worth of repairs, that MUST be performed by the seller. The seller is NOT in a position to fix anything, so I offered, as long as the investor will definitely sell it to me. That can not be unaccomplished, according to Nationstar. I am buying this home on a short sale, " as-is '', I will do the repairs when I live there, like anyone else buying a short sale, unless it is required for the CO, which it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with STERLING JEWELERS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX INCORRECT STATUS OF LATE PAYMENTS. i HAVE BEEN ON TIME ON ALL PAYMENTS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2017 about Debt collection (Credit card debt) with Law Offices of Marvin S. C. Dang, LLC (HI).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: XXXX   XXXX ,  2017  -  XXXX   XXXX  - Friend was approached outside house and asked if I lived there. Upon questioning he revealed to my friend it was for credit card debt and left documents with him revealing details of the debt.  <P/>  XXXX   XXXX ,    2017  -  XXXX   XXXX  - Person came to door asking for me and if I lived there. Friend told him to leave.  <P/>  XXXX   XXXX ,  2017  -  XXXX   XXXX  - Person came to door, striking it forcefully and loud ly ( this startling, unexpected and unwanted action caused me to fear for my son 's and my saf ety ). My friend, who was likewise concerned, asked this person to identify himself.   Person said he came yesterday and again asked if I lived there. Friend told him to leave - he was insistent and would not leave. My  friend (   XXXX   XXXX   XXXX   XXXX   ) told him to " cease and desist '' coming to the property. Person would not leave. Friend told him he considered him a threat and was armed ( legally ). Person told him  " well then, you 're going to have to shoot me '' and that he will be back tomorrow. Based on person 's response, which a reasonable and prudent person would not utter, I fear this person is a clear and determined threat to the safety of me and my son.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (TX).
Issue: Fraud or scam

Complaint: On XX/XX/XXXX The company rush card claimed that my debit card had been compromised although the card was and has been in my possession. I made XXXX transactions on XX/XX/XXXX XXXX to XXXX XXXX to pay my cellular phone bill and another at XXXX for breakfast. Around lunch time me and a few coworkers went out to a restaurant where I was embarrassed due to my card declining from Rush card placing a " HOLD '' on my card. I was on the phone with the company 's customer service representatives all day since that moment and I was placed on hold for XXXX minutes in between constantly calling back to back for answers speaking to a total of XXXX agents ( XXXX supervisors ) getting NO HELP AT ALL to resolve my dreadful issue only to be told they 'd have to mail me out another card which will take a few business days and I can not access my money whatsoever. This is Absolutely redundant and I am extremely inconvenienced. I am NOT happy with Rush Card and I have been a customer since XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-02-2016 about Debt collection (Auto) with United PanAm Financial Corp. (GA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: United Auto Credit calls entirely too many times a day but when they contact my family members and job several times a day it is too much. They even dogged to find family members I rarely see and talk to and called them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
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 contacted XXXX and Transunion during the week of XX/XX/XXXX thru XX/XX/XXXX. I called in reference to inquries that i had not appointed. I told the represenative that knowing what my current credit status there was no reason for me to be applying for credit. The only reason by law for my credit to be checked is : In response to a court order or federal grand jury subpoena ; To manage the risk of current or potential credit or insurance accounts that were initiated by you ; for employment purposes, with your written permission ; for the purposes of a potential investor assessing the risk of a current obligation ; in connection with your application for a license or other benefit granted by the government, when consideration of financial responsibility is required by law ; in connection with a business transaction initiated by you ; in connection with a child support determination, under certain circumstances ; in connection with a credit or insurance transaction not initiated by you, when a firm offer of credit or insurance is extended, and certain other restrictions are met. 

None of these inquiries fall into those categories. I am asking for immediate removal of these inquiries 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 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX/XXXX/XXXX, I called Transunion @ XXXX XXXX XXXX regarding them removing all of my inquiries last year between XXXX - XXXX. I advised the representative XXXX XXXX XXXX that Transunion removed all of my inquiries from my credit report and put them back without giving me a 5 day notification in the mail. The overseas representative asked me which inquiries did I want to dispute. I then advised the representative that they deleted all of my inquiries and not just some during the time they had the system issue. I gave the representative all of the inquiries in question. The representative put me on hold to check their system. The representative came back on the line and told me that I was not one of the consumers affected by their inquiry glitch and went on to tell me about how hard inquiries appear on my credit report. 

I decided to lodge a complaint, because I refuse to call them and go through that torture again!!!

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 02/16/2016 about Bank account or service (Savings account) with CAPITAL ONE FINANCIAL CORPORATION (CT).
Issue: Account opening, closing, or management

Complaint: I opened a savings account with Capital One 360, looking to get their signup bonus. On the account confirmation screen after I had successfully opened the account, it confirmed that I could earn a bonus by maintaining a certain balance for 90 days. I then transferred {$36000.00} into the account and called in to confirm that it would all qualify for the promotion. I was told that I had an ING savings account 8 years ago, which disqualified me from the promotion, even though it clearly stated on the confirmation page after I opened the account that I was eligible ( I have a screen shot of this page, and it is very clear ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-01-2016 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (CA).
Issue: Taking out the loan or lease

Complaint: I applied for a personal loan at Wells Fargo. I have had an account with them for several years now and I 've never taken out any type of loan with them in the past. I got denied because I have bad credit which is understandable. My banker then recommended me getting a co-signer to reapply. I went and got my sister to help me out noting she has excellent credit. When we went back and reapplied, the banker notified us we had been denied again, acknowledging the good credit my sister has but the reason we got denied was because my sister " was not associated with the bank '' meaning she does n't have an account there. Even the banker herself thought that was a " ridiculous '' reason. I think that is unfair and misleading. Why they even told me to get a co-signer in the first place if I was going to get denied regardless. I felt betrayed by the bank I 've been loyal to for years. I do not want to change banks but I 'm losing faith in this bank. Hopefully this issue can be resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The original creditor XXXX was paid all rents and utilities on time and in full. After completing the lease there was never any notice of any additional money owed as everything was paid in full. Several months later Hunter Warfield ( a collection agency ) contacted me saying I owed over {$800.00}. I requested a full description and invoice for what was owed and never received a response. They later added a derogatory remark on my credit reports. Note that the original lease company never contacted me on this.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Mortgage (FHA mortgage) with CITIBANK, N.A. (TN).
Issue: Loan servicing, payments, escrow account

Complaint: I have already written to you to dispute with Citi Bank, but they are not listening! They turned around with a ridiculous response and unless they fix this, I will sue over errors and misconduct.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I contacted XXXX, Experian and XXXX via certified mail and return receipt regarding a bankruptcy showing in the public record section of my credit reports. I asked them to validate this bankruptcy and to provide proof of this. I have asked for copies of documentation associated with this account bearing my signature. They simply verified this information by utilizing their automated computerized system XXXX and due to this they just updated it. I contacted the court to see if they indeed report to the credit bureaus. They sent me a letter back stating they do not report bankruptcies to any of the 3 credit bureaus. My XXXX XXXX information is frozen and I also opted out of them selling my information to anyone. These credit bureaus are reporting false information which is a violation of the Fair Credit Reporting Act. This public record needs to be removed immediately.

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 06/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The collector debt company Name EOS/ CCA XXXX I think they are Fake collection agency because they send me the collection notice that I owe money frome XXXX XXXX cable company at the address that I do not live in or have anything to concern about the service XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: On XXXX XXXX, 2017 I wrote XXXX, Experian and XXXX about inquiries that were 1 ) non-account holding and more than 30 days old and 2 ) were not authorized as a follow up to an original dispute for unauthorized inquiries that was written and sent on XXXX XXXX, 2017. I have yet to receive a response from either bureau regarding the status of the follow up investigation and removal of the unauthorized inquiries.

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 05/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (LA).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: This was a bill from an internet Co. in XXXX AR. The original bill was over 300.00. My daughter talked to them and they agreed to accept a lower amount which she paid. They then said " Paid in full '' and I never heard another word from them. 
This COMPANY IS XXXX and they were paid off in full. 
My name is XXXX XXXX XXXX XXXX LA XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Returns made for purchases that were made at XXXX and paid with Chase VISA are not automatically refunded to the XXXX and are sometimes returned in cash. I complained about this practice on two occasions and was told that the amount could instead be placed on a gift card. After speaking to management on XXXX XXXX, 2017, I was informed that this was not the correct practice and that the amounts should have been refunded directly to the card. On XXXX XXXX, 2017, I requested XXXX XXXX XXXX XXXX  store management to complete a full audit on my store account because of the transactions that were not refunded to the Chase XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Debt collection (Other debt) with AFNI INC. (VA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This account was previously listed by another company about a year ago and as the result of a dispute, the account was removed from my credit bureau reports. The account has since been sold, again to AFNI who has attempted to re-age the account and has not made any attempts to verify or validate this debt in the amount of {$550.00}.

Company response to consumer: Closed with explanation