milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/22/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Media Collections, Inc (TX).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: A representative from Joseph , Mann & Creed called and left me three erroneous voicemails for a person I do not know in any way. One of the messages was very accusatory, as though I was definitely the person they were hounding. I called to voice my irritation and request they remove my number and the same representative was extremely condescending, short and still rude. I demanded an apology for the rude voicemail he had previously left, to which he angrily retorted, " For what? For what?! '' Clearly, he had forgotten himself. He then apologized in a decidedly not sorry, smarmy tone. Not at all a pleasant experience for something I should never have been involved in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/17/2017 about Mortgage (FHA mortgage) with LOAN SIMPLE INC. (GA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I started working with XXXX XXXX in late XXXX while I was XXXX. At the time he was working at Loan Simple and told me to go find a house I liked quick so I could bring my XXXX to a new home ( XXXX ) and did n't give me any numbers for the loan. Just said " I 'll make it work ''. Well after finding a home, which was {$160000.00} I was told that the taxes were too high so get my {$1000.00} earnest money back. So I started looking again and I was told he could get me a XXXX county DPA for {$10000.00} so just do n't go over XXXX with taxes at 1 %. So we looked again and I found a house in XXXX county that I loved. I asked him on several occasions to give me my limit and he never would. Always disappearing and would n't get back to me with answers to my question because I did n't want to put my money down AGAIN to have to fight to get it back. He assured me it would close so I paid {$1000.00} earnest money, {$300.00} inspection and {$490.00} appraisal on a {$170000.00} home!! I told him from my calculation at XXXX salary I was n't comfortable with this price. He said ok refinance your car and I did. We were set to close on XXXX/XXXX/XXXX. The weekend prior to close, he called me and said to meet him asap at XXXX because their was a problem. When I got there I was told, he had left Loan Simple in XXXX!!! And forgot to tell me so his new job at XXXX XXXX did n't have the XXXX HOP program so he 'd given my loan to XXXX XXXX at Loan Simple! I said why did you move my personal info without telling me! After more lies we parted ways and XXXX started calling for more info so basically the loan had to go back through another 30 day process. XXXX told me my loan was approved but underwriter wants the promissory letter from my student loans. I sent it. Then said ok you 're good. Then came back the next day and said you need a cosigner! I said why when I 'm approved. She went on lying until 3 days before the close ( XXXX/XXXX/XXXX ) and said she 's sorry but I was " dead in the water from the beginning '' the loan would never close! I  cried and begged her to try to fix it because I did everything right and now I 'm stuck with a new XXXX, no where to live and I paid my {$1800.00}. She was no help and just said its not going to work, find something XXXX and discounted the call. I 'm devastated!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (NH).
Issue: Trouble during payment process

Complaint: Carrington MS has never provide me with a a copy of their policies and procedures as a transferred mortgage which originated with XXXX XXXX XXXX to Carrington MS in XX/XX/XXXX I have never been given in writing what their policy is on blocking mortgage payments so the homeowner can become current. 

In addition, I have never been notified in the mail or received a phone call from Carrington MS that they needed to speak to me or that there was a risk of foreclosure. I made two payments in XX/XX/XXXX and they were not rejected. I did not realize there was a problem until my payments were returned that I sent through XXXX XXXX on XX/XX/XXXX Carrington Mortgage never sent me a letter of explanation of refusal of payments and I did not find out until I received mail of XX/XX/XXXX Lastly, the amount of the late fees have fluctuated over the months have been increasing with unknown fees still being claimed to be from my previous mortgage servicer, XXXX XXXX XXXX being added which was suppose to have been resolved previously in a closed case in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Debt collection (I do not know) with JH Portfolio Debt Equities, LLC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge this company has never sent me a letter informing me that I owe them anything. I was not afforded my rights under the FDCPA to validation

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 12/17/2016 about Debt collection (I do not know) with CAB Receivables, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A company I have never heard of named CAB Collection Agency is reporting several negative derogatory accounts to XXXX, and XXXX consumer reports. I have no knowledge of said accounts. I demand that this company deletes accounts from all XXXX major credit bureaus. If CAB Collection Agency can not provide me with original paperwork that bears my signature to verify that these accounts belong to me, then they are reporting unverified accounts to XXXX and XXXX because I have NEVER done any business with any company named CAB Collection Agency in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NC).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Too many dates to document. I was told me several associates at Navient that i could make payments to the principal in addition to the the monthly amount. On several occasions, i would do this. I then started getting bills saying nothing was due. I would call again to find out that the loan was not paid properly EVERY time i would do this method. So several months in a row, i would have to make my payment, make my PO payment and then call back to have it redone correctly with a manager. I have asked to increase my payment from XXXX to pay my loan off faster ( since i was notified today that my XXXX balance wouldnt be paid off until 2035 ). I was advised to not increase it to just call and make additional payments when i could. I also consolidated my loans a while back and tried to get payments in where i could. I have been paying religiously and have BARELY cleared off XXXX. I was putting up to 500 per month on some months.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: APR or interest rate

Complaint: I am filing this complaint against Capital One because I they are misapplying my payments toward balances with lower interest APR 's out of complaince with federal rules and their own stated policies. 

I paid {$140.00} on XXXX XXXX, 2016 to Capital One. This payment included {$68.00} to cover the minimum payment for a balance carrying an interest APR of 15.15 % ( The minimum payment was due on XXXX XXXX ). The additional {$76.00} was supposed to pay off a {$75.00} balance that was carrying an interest APR of 25.15 %. 

Unfortunately, the next billing cycle ( minimum payment due on XXXX XXXX ) showed that I was still carrying a balance of {$42.00} at the 25.15 % interest rate. 

I would appreciate if you department would look into this. According to the FAQ on the back of the Capital One billing statement, it states the following : How do you Apply My Payment? We generally apply payments up to your Minimum Payment first to the balance with the lowest APR ( including 0 % APR ), and then to balances with higher APRs. We apply any part of your payment exceeding your Minimum Payment to the balance with the highest APR, and then to balances with lower APRs.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Experian Report # XXXX XX/XX/18 Personal Information : does not list my current 2 employments as stated before. I have attach proof

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/24/2017 about Debt collection (I do not know) with Access Financial LLC (MN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company called using my name and threatened to see me or my son in court. I laughed them off and said go right ahead - thinking, " this is a scam ''. I looked up the number and found it to be a real company so, I called them back to complain about the threatening tactics being used. I spoke with the same individual as the first call. He informed me, " it 's a good thing you called back '' - again implying that he was going to get me. When the company representative gave me the full name of the individual he was looking for it was established I was not that person and the person he was looking for had put my number down as a secondary contact number ( not sure I believe that ). These people threatened me without any knowledge I was the person they were looking for and given their business I fear what might happen to my good name and credit rating.

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 08/23/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MI).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I received private loans to finish my degree with the University of XXXX. After successfully graduating, I have been unable to repay my loans as I have been unemployed and unable to find full-time work. I am no longer able to put them in deferment or forbearance and I am on the brink of defaulting because the loan provider has said I have no other options and I must make payments. Being unemployed and trying to pick-up any odd job possible while my wife teaches and I take care of my kids leaves me short of money.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: APR or interest rate

Complaint: I had transferred a balance to the Capital One credit card with promotional rate of 0 % interest. However the promotion was ok in first month but Capital One started charging interest on the balance, increased my minimum payment, which resulted my automatic payment to fall short and charging more fees on top on the interest rate. I called XXXX XXXX and they " opened '' a case saying they have to review the call recordings and in 2 to 3 weeks someone will call back. i said that is too long, the rep supposedly increased the level and said someone call you in a week. Its been about month with no calls and no change in the account regarding interest rate and promotion. I called after XXXX weeks passing and still no answer i am told by a manager capital one needs few more weeks with no guarantee and they are waiting for another info from another department and giving me no information nor working with me to resolve the issue, which initially they said they have to listen to the call, if they listen to the call its clear on the call and they will see the truth. This is costing me over {$200.00} in interest fees and much higher minimum payment resulting in financial problems. I need this taken care asap. Its a simple fix. No one transfers {$18000.00} with interest rate of over 20 %. All they have to do is listen to the call that i made the transfer on. It is clear on the call. More time passes they are gon na they do n't have the recording anymore. This is fraud and stealing money.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I DID NOT AUTHORIZE THIS INQUIRY

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 02/14/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (MI).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I'm been charged fees and interest on my credit card account from Citi Bank but I'm not able to submit my payment as the site is always down.

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 11/28/2016 about Mortgage (Conventional fixed mortgage) with First Direct Lending, LLC (FL).
Issue: Application, originator, mortgage broker

Complaint: I was contacted by an agent, XXXX from First Direct Lending, in reference to a refinance. I was told that if i paid {$220.00} for the appraisal which would cost {$450.00} and if the loan did n't fund I would get back the money. I charged the {$220.00}. and sent in all documents requested and they stopped contacting me saying that my income was n't enough and I kept getting the runaround from them not returning phone calls, etc. Finally the sent me a document saying the loan was adverse and that I did n't qualify due to old delinquent credit history, and my income. I have contacted the agent and emailed him sent him a text regarding my appraislal fee refund and have not heard back from him.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Without my consent, Equifax collect my private information and sold it without my knowledge or consent. They then released my confidential, private information to criminals who will use it to steal my identity. Equifax then tried to 'compensate ' my by 'offering ' 'credit monitoring. ' Equifax FAILED to even provide this 'credit monitoring ' in that they NEVER provide the promised e-mail so that I could register for this 'credit monitoring. '

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Re : XXXXXXXX XXXX XXXX ; {$120.00} Balance This account in collections with XXXX XXXX XXXX is a medical bill that was already paid by my SECONDARY health insurance and violates the 180 day reporting of medical bills on credit files. The original debt collector and XXXX XXXX XXXX have not made effort to contact me about this debt. I ask that this account be removed from my credit file immediately for violating the 180 days agreed upon by three credit reporting agencies and the New York attorney general in XX/XX/2015. I dispute that this medical bill was paid by my secondary health insurance and there was no attempt by 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 explanation
Consumer complaint received 03-01-2017 about Bank account or service (Other bank product/service) with WEBSTER BANK, NATIONAL ASSOCIATION (VA).
Issue: Account opening, closing, or management

Complaint: HSA Bank, a division of Webster Bank, XXXX, has not sent me the requisite tax form for XX/XX/XXXX. I contacted its customer service, which gave me the run-around. The XX/XX/XXXX form is available online, but the XX/XX/XXXX form is not yet available. My understanding is that banks are required to send out tax documents by the end of XX/XX/XXXX following the end of each tax year.

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 Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: APPLIED FOR CREDIT CARD FROM XXXXXXXX XXXX  RECEIVED LETTER DATED XXXX XXXX2017 THAT 'THERE WERE EXCESSIVE OBLIGATIONS IN RELATION TO INCOME. ' I WAS UNABLE TO GET ANY REPORT FROM CREDIT REPORTING ( XXXX EXPERIAN ... WHICH WOULD SHOW WHERE THIS INFO WAS COMING FROM. I HAVE ONLY SMALL CR. CARD DEBT WHICH I PAY ENTIRELY EACH MONTH ... NO MORTGAGE OR ANY LOANS FOR CAR ETC. HAVE PLENTY OF SAVINGS ... MONTHLY INCOME WHICH TAKES CARE OF MONTHLY EXPENSES BY ITSELF ... .. XXXX XXXX HAVE LIVED IN XXXX AT XXXX XXXX XXXX FOR 14 YRS. BEFORE THAT @ XXXX XXXX XXXX XXXX. ALSO IN XXXX FOR 29 YRS.

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 10/22/2017 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: Information belongs to someone else

Complaint: XXXX XXXX just appeared on my credit report this week. It is an account that says I 've had it for two years. This is not me, the account is fraudulent. This is ID theft. I have never opened an account with this company. Please remove from my credit report as it violates hippa and the cra.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Checking or savings account (Checking account) with PNC Bank N.A. (VA).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I have been a past customer of PNC bank and changed my checking away from this bank several years ago, but kept a credit card open with them. I opened a new checking account with PNC in XXXX 2017 as I was looking for another bank close to my home and a friend had good experiences with that branch, so I figured Id give them another shot. I applied for a new checking account with a bonus that advertised {$200.00} for {$2000.00} of direct deposits and 10 debit card purchases in the first 60 days, which I completed.
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I called in XXXX to verify the terms of this promotion and wrote them down on a post-it note, which I still have at my desk. This promotion was listed for existing customers who hadnt had a checking account with PNC with the last X months, I dont remember the exact window, just that I fell within it.
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On XXXX XXXX, approximately 90 days after account opening, I sent a chat message to confirm when the promotion would be posted to my account, and after extensive time to research, told me the promotion was not on my account and I would have to call in for further research.
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I then called and spoke to a XXXX XXXX  who told me that though I met the requirements, the promotion code had not been applied to my account. She told me she called the branch and was unable to talk to the person who had opened my account which makes sense since the account had been opened online. She suggested I go in to a branch, at which point I told her it was unlikely I was going to speak to a third person about this and would just file this complaint.
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At this point, she transferred me to a XXXX XXXX, an escalations manager, who filed a dispute for a bonus not received and told me she would contact me with the results of that dispute. It has been one week since we spoke and there has not yet been an update.
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I do n't understand what the " dispute '' in this situation is since I fulfilled the terms set forth by PNC.
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I have the confirmation number from when I opened this account online available.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 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: I went into XXXX XXXX to open a savings account and they had a record that I had been previously denied. I informed them that I had never applied. They agreed that there was no information on file - not an address, phone number, nor email address. I went ahead and applied and was approved, they asked me for all of that information! I checked my credit report that evening and noticed not only XXXX XXXX ran my credit, but also XXXX XXXX and many other companies ... I 'd like a show of what information all these companies have as far as my authorization. I am disputing all of these inquires before 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Allied International Credit Corp., (US) (IA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have also filed a complaint with the XXXX Attorney Generals Office about this collection account. On XXXX/XXXX/2015 I received a collection notice from Allied International Collection Corp which cited XXXX as the original creditor claiming that I owed {$410.00}. I have never had an account with XXXX which is why I know the account is not mine. 
The debt collection agency provided no supporting documentation, no explanation of why they believe the account is mine, no explanation as to what the balance their claiming was for or how it was derived, plus I fail to understand how anyone could possibly owed {$410.00} to XXXX given a XXXX search said they were an online auction company, so I would assume if you ever did purchase anything at an auction payment would be due at the time of sale. 
This is either mistaken identity, fraud or illegal collection activities, but I know for certain that I do n't owed {$410.00} to XXXX, it 's just not possible.

Company response to consumer: Closed with explanation