milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/18/2016 about Bank account or service (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (CO).
Issue: Problems caused by my funds being low

Complaint: Transferring money out of my Santander checking account during a move because of a previous issue ( closing on my mortgage nearly fell through because of them ) I log into the account to see if all the money has been transferred out to close the account only to find out that pending transactions from XXXX and XXXX posted later without my knowledge, as well as {$170.00} in overdraft fees, one of them being a " sustained '' overdraft fee which I was unaware my account had even over drafted. Called customer support many times to attempt to have the fees removed. After hours of talking politely with different support, I was able to remove XXXX. I 'm still stuck with {$100.00} in overdraft fees for {$20.00} of purchases that I was unaware of.

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 03/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with CORELOGIC INC (WA).
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint: Late XX/XX/XXXX " Corelogic/XXXX '' received my request for a security freeze on my consumer file and a release of my report to be mailed to me. 
They complied with half of that request, I have yet to receive my full consumer report. All I want is to have my report sent to me.

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 05/31/2016 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (GA).
Issue: Settlement process and costs

Complaint: Freedom Mortgage acquired my loan, then immediately contacted me about a payment lowering, no money down new mortgage. This proved to be a bait and switch as after months of wrangling, they insisted I come to the table with as much as {$18000.00}.

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 09/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KY).
Issue: Problem with fraud alerts or security freezes

Complaint: I have been trying to contact both Equifax and XXXX to place a freeze on my credit report for several days. I was one of the persons affected by the Equifax breach. 

For Equifax ... each time I try to enroll in their free service and/or request a credit freeze I get a website error. I tried calling their toll free number, but the folks there just referred me back to the website. It 's an endless loop of XXXX in which nothing is working. 

For XXXX ... I tried to pay for the freeze on my account to avoid signing up for their monthly service ( {$4.00} to start, {$24.00} per month thereafter ), however, I was not able to do that either without sending them a police report showing identity theft. I tried calling, but apparently there are no live humans working at XXXX. It was an endless loop of automated system XXXX in this case. 

Next step, call my local police department, and file an identity theft report against Equifax so that I can freeze my credit with XXXX? 

Much praise to XXXX. Their process was free and flawless. For Equifax and XXXX, I do n't know what to do now. I ca n't afford the expensive private services to protect myself. In my opinion Equifax should be putting fraud alerts out for all affected persons automatically without them having to do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (WA).
Issue: Loan modification,collection,foreclosure

Complaint: I lost my job XX/XX/XXXX, so we reached out to CitiMortgage for a loan modification. We started the process in XXXX. After fulfilling all their requirements, the modification was completed XX/XX/XXXX. However, their modification was to extend the term by 10 years ; raise the interest rate from XXXX to 4.375 % ; add a deferred XXXX for {$16000.00}, thereby lowering the XXXX mtg. to {$290000.00} ( house only appraised at {$290000.00} ) ; and saving a mere {$190.00} a month. We are in our XXXX and this is the rambler of our dreams. I expressed my concerns about CitiMortgage not putting any " skin '' into the game, but was told this is the only offer. During the process, their electronic system would issue duplicate notifications requiring signature of receipt which meant several trips to the post office. In addition, the new note, etc. have my name incorrect as a result of their error on the previous HARP loan we did with them.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Mortgage (Other mortgage) with Ditech Financial LLC (LA).
Issue: Settlement process and costs

Complaint: It start as XXXX Mortgage it change to Green Tree now its changing again to some Ditech or something.Something is no right please could someone help me.Because if someone show up to my house and threaten me like Green Tree did.Please it do n't suppose happen like this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Debt collection (Mortgage) with Frederick J. Hanna & Associates, P.C. (closed) (GA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Account handled by F J Hanna now turned over to new attorney - XXXX. Never received debt information from Hanna.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Billing statement

Complaint: The last few ( at least XXXX ) statements for my Bank of America credit card have not shown the balances subject to various promotional balance transfer offers that I have taken advantage of. I had this same problem in 2015, and the problem was corrected on a few statements. But now the error has returned. When this happened last year Bank of America took months to resolve the issue and did n't seem to care that they were sending out XXXX incorrect statements. The person assigned to handle my case often did not return calls and was basically useless. A perfect example of a " too big to fail '' bank that does n't care about their customers.

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 08/17/2017 about Debt collection (Medical debt) with I.C. System, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I.C. Systems, Inc. XXXX XXXX XXXX XXXX XXXX, MN XXXX continues to place false and misleading information on my credit report. I have contacted both of these creditors notifying them that these are fraudlent accounts. XXXX has sent me a letter stating that they had removed the account from my record put this company I.C. continues to place it on my credit report.
They have also lied about the date it was not opened on XX/XX/XXXX.
I have letters from the DOJ they have arrested the people who used my Identity. I.C. Systems is using fraudulent means to obtain monies.
Derogatory marks View all accounts COLLECTIONS I.c. System Inc. Opened XX/XX/XXXX + {$100.00} Original creditor : XXXX XXXX I.c. System Inc.
Opened XX/XX/XXXX + {$53.00} Original creditor : 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 07-07-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Problems caused by my funds being low

Complaint: I am a XXXX XXXX and we usually get paid early when there is a Federal Holiday that occurs right before our regular pay date. In this case that did not happen. I received a {$34.00} dollar overdraft charge from JP Morgan Chase for a {$7.00} transaction. The funds were in my account the next day. So they loaned me XXXX for 24 hours and charged {$34.00} ... ..What is that 1,500 % interest! I asked the bank to waive the charge and they said their was nothing they could do ... .. I have had an account at Chase for XXXX plus years!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with On-Site Manager, Inc. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I had a private loan ( Amount {$3500.00} ) with XXXX which I got when I started school at XXXX XXXX XXXX ( opened XXXX ). After graduation, a couple things happened. 1. the Government switched student loan servicers to XXXX . 2. I moved out to New York for a job. 
During this time, I never received any notification about this loan being outstanding. I was finally contacted and notified about this loan when it went over to the collection agency. Thankfully, I was able to pay off the whole amount as soon as I found out ( Account last active XXXX ) before it went delinquent. 
But on my credit score, the report shows 1 instance of the payment being 60-89 days late and 10 instances of it being 90+ days late. This is inaccurate. It should say one instance of it being 90+ days late. It is not that I had 10 loans that were 90+ late. It was that one student loan ( which changed servicers ) that was late for more than 90+ days.
I contacted XXXX couple times and they say they can not do anything about the information since the payment was late. I told them that I am not asking them to remove the late payment mark ; I am asking them to show the correct information. My credit score is XXXX and I have never had a late payment other than this student loan. Showing 10 instances of me being 90+ late on a loan has caused trouble for my family and I in terms of housing and transportation ( car ).

Company response to consumer: Untimely response
Consumer complaint received 04/22/2016 about Debt collection (I do not know) with GC Services Limited Partnership (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have so far received 3 phone calls at my work from " GC Services '' while the numbers have been different each time the latest number they called me on was " XXXX ''. Every number has been a XXXX XXXX area code. Every call has been asking to verify my name. I do NOT owe any money or have had any traffic violations. I have confirmed with the XXXX DMV that this is true as well as have received 0 letters in the mail regarding any past due payments so I know that I am okay. Please find a log of the inappropriate phone calls below : 1. A week ago, time not known, first call, Ladys Voice I answered my work phone, was asked if this was NAME, said yes, who is this. They said they were calling for " personal business matters and if i verified my social I could receive more info ''. I asked how they got this number and they said " from my HR rep '', I asked what was that name and they gave me a incorrect name. I told them that was not correct and asked again what this was regarding. They told me " Something to do with withheld admin wages and i need to verify who i am before they say more ''. I told them I would not verify anything and asked again how they got this number. They told me " my social was active in the area and if I gave them more info they could help ''. I told them no, they asked if my bday was XXXX XXXX, XXXX ( WAY WRONG ). I said do n't call here again and hung up. 

2. XXXX/XXXX/XXXX, XXXX XXXX, Second Call, Mens Voice I answered the phone and was immediately asked if " NAME '' was employed there. I said I was not allowed to disclose that information. I was asked again if NAME works there because they needed to reach them regarding a " personal payment matter ''. I said take this number off your call list and do n't call again. 

3. XXXX, XXXX XXXX, Third Call, Mans Voice I answered the phone and was again asked if NAME worked there. I asked the man what this was regarding and where he was calling from. He told me he needed information before he could disclose that and that is was regarding Credit Card payments. I said this is the wrong number and hung up but noted down the number and called back on a different phone number and found it was a company called " G.C. Services ''. 

I have now been called 3 times at my place of work. Every time has been for a " different reason '' but all with the same goal of getting information from me. This is embarrassing to have happen in front of my coworkers and boss when I have done nothing wrong. Please stop this harassment immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: Hello, I have contacted companies on my credit report that you ( XXXX equifax, XXXX ) has said to say the debt was validated. Well within one day of filling a complaint with XXXX XXXX its ironic they closed the account. Per FCRA you as credit reporting agencies should really investigate and make sure when they send you these automatic validations claiming that they are in deed a consumes debt that in deed they are valid, Like for instance a contract, drivers license and a signature. Its frustrating because me as the consumer has been through XXXX and back with XXXX just to say, they have said they validated everything when in fact have not. I have sent the same disput letter as I have to XXXX and equifax when they investigated they removed and corrected debts not owed by me. XXXX  you did nothing but send me a credit report and said from findings in previous months its the same meaning you didnt even try the second time to investigate!!!! I wrote a complaint on consumer finance.gov where you stated again that you investigated and these alleged debts were mines. Well here is proof you didnt. Please delete XXXX XXXX from my file as there are many more to come your way XXXX Thanks equifax and XXXX for doing your job and please delete XXXX XXXX from your files as well. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/18/2017 about Mortgage (VA mortgage) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NV).
Issue: Struggling to pay mortgage

Complaint: USAA FSB is reporting a charge off on my credit report even though it was not charged off. I have been current and have not missed a payment. I have tried for years to get this fixed and it seems nobody can help nor do they know what they are doing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I am filing a complaint against XXXXXXXX XXXX ( credit card ). I have sent a debt validation letter to the company on XX/XX/XXXX. I sent this letter due to the fact that I do not have an account with them nor have I applied. I received a letter back from them asking for a copy of credit report along with letter sent on XX/XX/XXXX ( almost 2months later ). I was a little confused on why they would need this info. I then began to file a dispute to the Credit bureaus on XX/XX/XXXX regarding the issue and copies of documents that show that items were properly verified. I then received a updated copy of report with out documents requested attached on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX from all credit bureaus. Today XX/XX/XXXX I received a letter from XXXX on stating there is no evidence of fraud and that they are no taking action at this time. I have not had an account with them since XX/XX/XXXX. Which that account was opened by a parent under my name since then I have not applied with them. Im also having the same issue with XXXX XXXX. I have never had a card with them and they never responded to my dept validation letter. I will like to have this issue Rectified ASAP.  Please help get this taken care of it is affecting my credit ability. I have been affected by the XXXX data breach and have placed a freeze on all credit reports until I am able to get all issues resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2017 about Payday loan () with Avant Credit Corporation (OH).
Issue: Charged fees or interest I didn't expect

Complaint: Over the course of the summer, I applied for an installment loan with Avant at a 12 % interest rate. I selected a loan amount of {$11000.00} in which I thought it would be a 12 % interest rate for 36 months. On the website, the interest rate was and is hidden. Also, it is hard to tell how much you owe as well. Upon performing further research, I have learned that I am paying a 4 year loan at 34 %. I called Avant and complained about my rate and was advised I can apply again within 6 months. I waited 6 months and they said that you will actually have to wait 12 months to refinance. I have paid XXXX payments with a total amount of {$3400.00} with only paying down {$830.00} of the principal. I have a XXXX credit score and had recently applied for a pre-approval for a home mortgage, but I was denied the amount requested due to this high paying loan as it was a concern for my lender. I have performed research and have found out that this is predatory lending and I would like present my case and my loan application to be reviewed. I never applied for a 34 % Loan as this type of loan will keep individuals in eternal debt.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Debt collection (I do not know) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Bank of America has been notified on more than 1 occasion that the debt they claim I owe was from Identity theft. Their story has continually changed over the course of a year and yet they refused to do anything about this. Well I have been looking at US codes and I have found a code Bank of America should be prosecuted under, Title 18 Part 1 Chapter 42 EXTORTIONATE CREDIT TRANSACTIONS. Under this code, it states that forcing someone to pay a debt by threatening their physical well being or personal reputation is a violation of criminal law. The CFPB should already have copies of my evidence that numbers in the 300 separate documents range, that Bank of America is in violation of this criminal law by using extortion and ruining my credit to try and force me to pay a debt that is not mine, forcing me to pay higher interest rates on lines of credit I have been able to receive. I demand the CFPB force Bank of America to answer for this crime or I will contact my elected officials, what is the point of having a CFPB if they only advocate for companies. I also want to add that any information Bank of America has provided has had information purposefully left out and the bank has refused to release any audio recordings of my phone conversations with them.

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 09/14/2017 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company is reporting a negative account on my credit report, and we do n't have any contractual relationship that make this company entitled to enforce inaccurate credit information on my credit profile. 

I tried resolving the issue with XXXX on XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (CA).
Issue: Managing the loan or lease

Complaint: I took out a title loan on my car. As of XXXX/XXXX/2016 it was paid off ( I had a {$0.00} balance ) but during the course of the loan the car had been repossessed for 'nonpayment ', but it was in error and they agreed to waive the reposession expense. I asked for my title once the loan had been paid off, but they claimed I still owed this repossession expense that they had agreed to waive. So I filed a complaint with that company and NOW they claim I owe over {$1000.00} past due and they have changed teh 'repossession expense ' from over {$500.00} to {$160.00}. I do n't know what they are trying to pull but I do not owe them this money. I have a letter dated XXXX where they claim I only only them {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (KS).
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: Synchrony Bank called 2 days in a row using different numbers. 

XXXX XXXX, XXXX at XXXX a.m. XXXX : called from XXXX XXXX XXXX, XXXX at XXXX a.m. XXXX : called from XXXX Neither time did they identify themselves as debt XXXX. I used XXXX to look up their phone numbers and found out who they were calling in behalf of.

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