milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-11-2016 about Mortgage (Home equity loan or line of credit) with BMO HARRIS BANK NATIONAL ASSOCIATION (WI).
Issue: Application, originator, mortgage broker

Complaint: A online application was submitted along with all the pertinent documents. The processor XXXX XXXX left her position and stopped responding the emails and requests for updates on the status of the mortgage. I applied online for this loan on via their website On XXXX they mailed a packet of documents to sign as well as a list of the items needed in order to review the loan. I emailed her with all the information requested and she had full documentation in her hands in a timely manner. These are the dates of the emails ... .. XXXX, XXXX, XXXX, twice on XXXX, XXXX, XXXX, XXXX, XXXX, 4 times on XXXX, XXXX, XXXX and XXXX. There are so many emails because I kept requesting verification that she had everything she needed. She did not respond until XXXX at which time she finally responded and advised me that she switched to a new position and would get back to me " by the close of business '' that day with the new processor/loan officer information. I never heard from her again. I then called BMO and asked to speak to her boss. I was advised it was XXXX XXXX which I spoke to on XXXX. She advised that she was her " new '' boss but she would have her get back to me with the name of new processor. No call was received I even said she could respond via email but have n't received any response. I called again today XXXX and was now told that well too bad it does n't really matter because now the application is expired and we will have to submit a new application. Neither XXXX or XXXX apologized for the way this was mishandled not to mention that they did not adhere to the CFPB rules as far as time to complete the review of the application as well as notifying me of the approval or denial etc .... I have all my phone records and emails. No calls or letters were received from BMO other than a letter from XXXX at which point all the additional documentation was provided. I have proof in my emails that they had everything they needed on time to make a decision regarding approval or denial of the loan. XXXX dropped the ball and the entire loan file and now XXXX her new boss is backing her this is very disturbing. I have yet to be provided the information that XXXX was going to provide me with on XXXX which was the new processor. Now that they let the time expires they expect me to start all over and reapply. I still have not received a loan denial letter if that was the case I was only told so today because of the length of time. If I did n't call today I would have no idea I would need to reapply. I did advise them I would be filing this complaint.

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 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I was shocked when I reviewed my credit report and found late payments on the dates below : Creditor : ALLY FINANCIAL Account # : XXXX I was never 30 or 60 days late in the months of XX/XX/XXXX or in the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I am not sure how this happened. I have always made my payments on time to you when I received my statements. My only thought is that there was a billing error with my statement.

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 09/30/2016 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have XXXX accounts for XXXX XXXX Support in Arizona. There are balances on these accounts, but I have paid on-time payments every month. XXXX & Equifax have changed from showing these accounts as " Current : Paid or Paying as Agreed '' to " Account 120 days Past Due Date ''. XXXX still shows all XXXX accounts as current. I have contacted the creditor who told me that I am current on all XXXX accounts. They also said that they are receiving many inquiries from other consumers regarding this issue. They gave me a printout of my payment history for all XXXX accounts, which I sent to all XXXX credit bureaus. I have received dispute results saying that they changed XXXX account but not the other XXXX from XXXX. Equifax shows XXXX as a charge off and no change to the other XXXX accounts. As far as I know, XXXX still shows these accounts as current. I have spoken with XXXX who said that they are just reporting what the creditor has sent them. My concern is that XXXX & Equifax are translating the data that they are receiving from the creditor incorrectly. Nonetheless my credit reports and scores from these XXXX credit bureaus have been significantly affected by incorrect reporting and they do n't seem to care.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credence Resource Management, LLC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Canceled service due price increase, that was not part of contract

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 02/15/2016 about Prepaid card (General purpose card) with NETSPEND CORPORATION (CA).
Issue: Fees

Complaint: I was sent an unsolicited prepaid card in the mail. I looked over the material that came with it carefully and saw that there was a list of fees. Among the fees listed was an " Account Maintenance ( Inactivity ) fee '' of {$5.00} per month. I am not sure whether or not I have to activate this card in order to be assessed this fee, but it seems to me that being sent something that I did not apply for and possibly being assessed a fee for not using it may be worth your attention. The company that sent this is netSpend at XXXX. XXXX XXXX, XXXX TX XXXX. Reading carefully the documentation that came with this card, it appears that I have to actively contact them to decline this card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Student loan (Non-federal student loan) with NELNET, INC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: My loan provider for my private student loan is refusing to help me with some options to repay them. Unfortunately I recently lost my job and have no income because I was denied unemployment benefits. I am still fighting that decision with the State Department of Labor, but in the mean time I explained to FirstMark Services ( A Nelnet Company ) that I could not pay my monthly amount. I explained this to them before the date my payment was due since I had signed up for their auto debit program. They claim that since I have not made at least XXXX payments I am ineligible for forberance. So after that they continued to charge me late fees even after they knew about my situation including trying to collect the money from my bank account with no authorization which resulted in my bank charging me returned check fees. Then on XXXX/XXXX/2017 which would make my payments two months late they have a debt collector call me saying they are trying to collect a debt from me for an amount well above two months late including late fees. They then proceed to connect First Mark Services via a three way calling and then both of them started recording me telling me that they could not help me and that I do n't qualify for forberance and that at the end of the month it will go into default.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: On XX/XX/2017, I paid Capital One {$1200.00}, representing a timely and full payment of the previous balance on my credit card account, yet contrary to banking laws and the members ' contract with Capital One, I was charged {$17.00} in interest on the following monthly statement -- literally an interest charge on a XXXX balance. I have written Capital One several times about this matter with at least two letters informing XXXX XXXX or her office. Two responses from XXXX XXXX denied any wrong doing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-10-2016 about Bank account or service (Checking account) with PNC Bank N.A. (AL).
Issue: Problems caused by my funds being low

Complaint: I 've been a loyal customer of PNC Bank for 10 plus years. Recently, they have started charging overdraft fees for pending transactions even when cash deposits have been made promptly and prior to these transactions clearing. I even have a flexible spending account linked to my primary checking for overdraft protection. This does not matter to them. After speaking to customer service serveral times, they can not explain these overdraft fees and just state that they are valid. PNC Bank has stolen several hundreds of dollars from me in the last several weeks. Blatant theft from loyal customers or any customer for that matter is not only outrageous but disgraceful.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have asked experian and XXXX going on 2 years now to update my credit and fail to do so. I have also indicated to them my report needs to match XXXX. I do not have any deb t and filed bankruptcy and it was discharged and its still not updated as of today and its going on two years. i can e reached at 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 explanation
Consumer complaint received 11-07-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (TX).
Issue: Account opening, closing, or management

Complaint: I had been a customer with Citibank since XXXX in XXXX. In XXXX I moved to XXXX, XXXX. In XXXX Citibank removed all of its branches from XXXX. I was left with no other option but to move my money to another bank and close my Citibank account. I did so with a confirmation number saying my account would be closed by said date. I forgot about it. Then I started getting banking statements from Citibank saying that there was a negative balance because low fund fees were accumulating. I called Citibank to re-close my account and waive the charges on several occasions. Each time they told me they had done so. I started to then get collections notices for the amount of the negative balance on my closed account in the amount of {$120.00} dollars. It is their error for not closing the account. I have been after them to correct the mistake. I have tried to call back and each time they have a different excuse. I am now is collections for their error and no one want to help me at Citibank and there is no branch for me to go to to solve the problem.

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 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I checked my credit reports. I noticed an account I did not recognize. In XX/XX/XXXX I sent XXXX a validation/verification request. I sent account verification/validation letters to all reporting agencies. The accounts payment history has been updated past the year XX/XX/XXXX. According to XXXX XX/XX/XXXX was the last year of activity on this account. XXXX and XXXX have updated the account past XX/XX/XXXX showing late payments although the account was charged off and placed in collections in XX/XX/XXXX. All bureaus are showing a balance of {$860.00}. Transunion shows the account updated XX/XX/XXXX. No bureaus reports the date the XXXX XXXX account will cease reporting. The verification/validation sent to me from XXXX does not have my signature on the application. I can not verify this is indeed my 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 02-10-2018 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX Acct # XXXX Current Amount XXXX XXXXDiscount Offer {$2200.00} Address XXXX XXXX XXXX XXXX , Ml XXXX Telephone number and Name XXXX XXXX XXXX Request for my payment in a letter No Telephone ANSWER

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-02-2016 about Consumer Loan (Vehicle loan) with YKS Acceptance, Inc. (CO).
Issue: Shopping for a loan or lease

Complaint: I was over charged for a vehicle that I had purchased from Herbies Auto Sales located in XXXX XXXX XXXX XXXX, XXXX, CO XXXX on XXXX/XXXX/2012 and it was reposed because I found out they over charged me for a vehicle that had a salvage title. I refused to pay them and I told them to come and pick up the car witch they did they then sent it to collections and I have had trouble purchasing a vehicle since. Please help me I have written letter after letter to the XXXX and they refuse to take this off my credit report. Please help me to dispute this thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Debt collection (I do not know) with FAIR COLLECTIONS & OUTSOURCING, INC. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: when moved out of our apartment we had the carpet cleaned but the community wanted us to replaced the carpet in the whole apartment because XXXX room had a stain that the cleaning people could not get out. So we refuse to pay them so they put us in collection. Also we moved into XXXX of their apartment in XX/XX/XXXX we move out in XX/XX/XXXX we went back in the apartment on the XX/XX/XXXX to clean the carpet they are trying to collect two months of utilities and charge us 3 days of rent how can you owe them two month of utilities when it is paid with you rent and I do n't know where the get the three days of rent from but they have us in collection for this too. We need some help on how to get these collection off of us.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (VT).
Issue: Loan servicing, payments, escrow account

Complaint: Specialized loan Servicing is reporting inaccurate and false data to all XXXX credit reporting agencies on a home mortgage. This inaccurate information includes incorrect balance, incorrect monthly payments, number of late payments, foreclosure status, and dates.

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 04/25/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (IL).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I currently submitted a complaint through the CFPB regarding  Navient  and how they are not willing to lower my monthly student loan payments. I was paying about $  XXXX  month and I only make $  XXXX . A couple of weeks ago, I was able to get them to drop {$90.00} off my monthly payment, but that was all they were willing to do. I submitted a complaint and their response was " you  may be eli gible for lower monthly payments ''. I spoke to them today and they told me I was not eligible for lower payments, but would transfer me to their collections department to figure something out. I was transferred, gave my social security #, and the lady transferred me back to another representative. Again, I was told that I am not eligible for lower payments. I explained that I am going through some financial hardship because I do not make enough money annually. I also explained that I had to purchase another vehicle, which I now have monthly payments ( the vehicle turned out to be  a Lemon and ne eds work done to it ). The representative told me she would transfer me back to the collections department to see if we can work something out. However, she asked me if my co-signer would make the payments. I told her that he was unable and I want to pay off the student loan debt. She then mentioned that I co uld apply for a forbearance for three of  my loans, which will drop the payments. Since my back is against the wall and they have not been willing to work with me about lowering my monthly payments, I agreed to the forbe arance and paid {$150.00}. The issue with this is now I will have more interest built up ( paid about {$6000.00} in interest last year even after making full payments every month ) just to be able to make ends meet for three months. I am not happy with this outcome because I would rather make lower payments opposed to having more interest built on. I am also not happy that I was transferred to three different people once I mentioned anything about lower payments.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Consumer Loan (Installment loan) with CURO Intermediate Holdings (NV).
Issue: Managing the loan or lease

Complaint: I have a loans out through XXXX. I have had fraud on my bank account recently I do not want my bank information to anyone. I have told them I revoked my authorization to debit that bank account. They refused to take my account information off. I do not wants fees and overdrafts because they wo n't work anything out with me. I have talked to them numerous times. In the loan agreement they do not state how to unauthorize the debit to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (DC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX XXXX, 2017 I received a notice from Southwest Credit that I owed XXXX {$220.00}. Two things are wrong about this : 1 ) I have never had an account with XXXX 2 ) My name is spelled wrong on the letter that was sent to my house.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XX/XX/XXXX Loan # XXXX - XXXX XXXX Dear Sir or Madam, I have contacted XXXX and the three credit organizations to date. XXXX is the only company that has complied with my request. I am writing to dispute the following information on my credit history. Previously, I had a second mortgage ( Loan # XXXX ) of {$40000.00} attached to my former home at XXXX XXXX XXXX, XXXX, MA XXXX. This loan was discharged when I filed bankruptcy ( See enclosed paperwork ) on XX/XX/XXXX. Years later, I voluntarily reached out to XXXX and offered to pay half ( {$12000.00} ) of the amount remaining ( {$23000.00} ) that I had previously owed. I was under no obligation to do so since the account was closed in bankruptcy. Unknown to me at the time, this action tainted my credit. Even though discharged in bankruptcy eleven years ago the credit entry by XXXX states : " Settled/Paid in full less than full balance : Conventional Mortgage : Closed. '' I am requesting that this item be removed from my credit history due to age ( XX/XX/XXXX ), or removed because the account was closed, or it should state " Conventional Mortgage : Closed. '' Enclosed are copies of my discharged bankruptcy of XX/XX/XXXX and copies of the XXXX XXXX XXXX formerly doing business as XXXX XXXX - Mortgage Release statement, which support my position. Please inform XXXX, Equifax, of this change. XXXX  has already complied with my request. Many thanks for your help. Sincerely, XXXX XXXX enclosed : United States Bankruptcy Court, District of Massachusetts ( XXXX, ) Discharged Closed XX/XX/XXXX XXXX XXXX - Mortgage Release Statement, Discharged Closed XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Bank account or service (Cashing a check without an account) with Fidelity National Information Services, Inc. (FNIS) (CO).
Issue: Using a debit or ATM card

Complaint: An company totally unknown to me named Certegy Check Services, Inc.has stated that they refused to allow my check to be cashed. This is from a legal class action court settlement ( Outage Alert Text Message Settlement c/o XXXX XXXX XXXX ), and guaranteed by law. Check # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The Best Service Co.,Inc (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: Professional collection consultants came to my place of employment and are attempting to garnish my wages for a debt I die not owe not ever have owed. They are attempting to collect {$4100.00} that I do not owe to anyone. I have no judgements, public records or collections of any kind. Proffesional collection consultants need to issue my employer a letter stating that I do not not never have owed this debt and all attempts to collect alleged debt need to seize immediately. I have already contacted a lawyer.

Company response to consumer: Closed with explanation