milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/27/2018 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (SC).
Issue: Trouble during payment process

Complaint: Freedom Mortgage overpaid my Real Estate Taxes for XX/XX/XXXX as they paid them early in XX/XX/XXXX. A refund check was sent back to them on XX/XX/XXXX. The refund amount has still not been applied to my escrow balance, which has caused my monthly payment to increase by over XXXX , because by them overpaying the taxes, it wiped out my escrow balance. My complaint is that it has been over 2 months since they received the check according to my County Tax Assessor, but Freedom Mortgage has no knowledge of the refund being received.

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 05/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Family Member obta ined loans fraudulently, has subsequently been prosecuted and is serving a  XXXX  term for the crime. Despite numerous submissions of documentation to support this, creditors and credit reporting agencies continue to report inaccurate information causing severe damage and undue hardship with expenses related to higher rates and premiums. Unable to afford further legal fees - desperately seeking resolution.

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 08-10-2017 about Debt collection (Medical debt) with Financial Credit Network Inc (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Over the past several months i have been disputing this account and they keep saying that it is verified through the credit bureaus. I 've sent letters directly to the Creditor and the bureaus and the only thing i 've recieved back from the company is a bill from a doctors office that does not belong to me and a address that i 've never lived at before.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2015 about Credit card () with CITIBANK, N.A. (GA).
Issue: APR or interest rate

Complaint: ZALES Jewelry is charging me 28.99 % interest on their card. I owe them {$2200.00} and my monthly payment is {$78.00} monthly..I pay in interest per month a whopping $ XXXX..At this rate I would pay this loan off in 13 years and paid them $ {$6200.00}. This is predatory lending..They are located in a mall a public space and they should be subject to the fair lending laws and people should be warned of their practice XXXX they buy jewelry for their love ones because they are easy to be taken advantage of in the love state of mind.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Deposits and withdrawals

Complaint: I have a chase bank account. I have noticed at least XXXX charges which are incorrect.XXXX charges which were actually payroll EFT`s on XXXX/XXXX/2016 and XXXX/XXXX/2016 were noted but were treated as a charge.I do have the check stubs on hand in pdf. format. Also a charge of XXXX which is listed as being from the Social Security Administration. However on contacting them I found out that they had no record of that charge. I also noted that at least XXXX payments to XXXX XXXX XXXX listed only as credit card payments have disappeared from both my online ledger and are not noted on my pdf. statement for that month of XXXX. I was apparently a victim of identity theft as there was a loan taken out in my name of XXXX dollars from lendup.com on XXXX/XXXX/2016 followed closely by the debit. Also it there are XXXX lines of transactions which merely state remote online deposit XXXX and then XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Vehicle loan or lease (Loan) with American Credit Acceptance, LLC (FL).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: Purchased the vehicle XX/XX/XXXX. Subject : Vehicle Repossession My XXXX XXXX XXXX was repossessed on Friday, XX/XX/XXXX at approximately XXXX. However, under FL Statute 320.27. At least 10 days prior to sale, the lender shall notify the borrower of the date, time, and place of the sale and provide the borrower with a written accounting of the principal amount due on the title loan, interest accrued through the date the lender takes possession of the titled personal property, and any reasonable expenses incurred to date by the lender in taking possession of, preparing for sale, and selling the titled personal property. At any time prior to such sale, the lender shall permit the borrower to redeem the titled personal property by tendering a money order or certified check for the principal amount of the title loan, interest accrued through the date the lender takes possession, and any reasonable expenses incurred to date by the lender in taking possession of, preparing for sale, and selling the titled personal property. Nothing in this act nor in any title loan agreement shall preclude a borrower from purchasing the titled personal property at any sale. This was not done. I have never been notified and/or given the option to pay and/or retrieve personal property left in the car.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2016 about Debt collection (Credit card) with Colony Brands, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: a place called Ginny`s has been sending me bills saying I owe them over three hundred dollar. they say I ordered something and sent a bill, to be short. I notified the XXXX they produced some paperwork from Ginny`s, it showed were they added my email address after the fact. Wrong ss # and for sure wrong signature. after going back and forth I realized, they could only say bad things about them. can`t do nothing about the fact that they put it on my credit. all I have left in this word is my credit. I do n't want to have to go to jail because they think this is some kind of game or something, I told them if I have to pull a XXXX and sit my XXXX down on the bus then so be it. I`m trying to do the proper and right thing. I was a XXXX for 6 years this seems to me very simple

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I 've called Transunion interactive department and annual credit report and explained to XXXX them that I 'm not able to access my Transunion report online each year and have to have copy mailed. I want to view my report online as I do with the other XXXX credit bureaus XXXX XXXX. I 'm able to view these credit reports online, but not Transunion and nobody has been able to help with this issue!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/20/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The debt, Belk account was settled and paid with a collection Agency, in XX/XX/XXXX and XX/XX/XXXX, with confirmation numbers and check numbers. I have sent this information to another agency who is trying to collect on the debt, each time I call to verify it 's been taken care of and collection attempts to stop, I keep getting information that is incorrect. The original debt collection agency was XXXX XXXX. I was told on more than one occasion that they could not give me any information because it was archived and they gave me other phone numbers to call. One was the original credit card company and when I called their number the recording stated that they were not taking calls at this time. This was on a Thursday, before XXXX CST. Finally I was able to get in touch with their dispute department, via internet and email, I did get a response that the debt was paid in full along with the account number. I am still having issues with the NEW Collection Firm.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: after checking my credit report i noticed 3 accounts in collections that i have no knowledge of. The three accounts are, XXXX XXXX XXXX Closed XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. I have no knowledge of these accounts and i am experiencing fraud activity on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Mortgage (FHA mortgage) with SELECT PORTFOLIO SERVICING, INC. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I lost my job at the end of XXXX. On XXXX XXXX, we requested a Loan Modification from XXXX XXXX XXXX, filed all the requested paperwork, more that one time, I might add. Delays and more delays and nothing happened. Finally, in XXXX XXXX, we had a meeting in person, with a XXXX Rep. and started another request for XXXX, kept in touch with her for a couple of months, emailed her often to check status, advised her in XXXX XXXX that I had found a good job and we felt confident to resume payments. We stressed very often that we wanted and would do anything to keep our home, just tell us what to do, to no avail. 
Then the loan went to XXXX XXXX, then to Select Portfolio Services, and of course every time, a new XXXX request, more paperwork, and it dragged and dragged. Of course as time goes by, interest and late fees keep accumulating, what was a XXXX balance, got to XXXX, we still wanted our home, but finally in XXXX of XXXX, almost 4 years later, the only thing left for us to do was a Short Sale or Deed in Lieu, really? after 4 years? 
At what point we had control of the time all this show took place? We could n't abandon the house, we could n't make payments because no agreement had been made, we would 've lost that as well. 
Only thing for us to do was to maintain the property, and we did, even though we did n't live in it full time because of our jobs in another town. 
The house was merely to spend 4-6 days a month while being off work, and served as storage for our furniture. My wife and I still live with relatives because our credit is shot and because guidelines wont let us buy a house for 3 to 7 years. 
XXXX XXXX sold the house 2-3 months after we moved out. We lost our home of 8 years, down payment, closing costs, improvements, not to mention the stress and the uncertainty of the outcome, alongside with the credit consequences that now wont let us even attempt to apply for a mortgage anywhere else. 
A deal is a deal. It was very unfortunate that I lost my job and I expected consequences, like missed payments I had to make up for, late fees, penalties, interest, etc ... and we were ready to comply with that, that would 've been easier, but they kept pushing for a Loan Modification, we did n't wanted one after XXXX XXXX, but they always had control and their plan was to build up the debt, make the house go underwater and forced us out, and it worked. We lost our home and ca n't buy another because our credit shows a Deed in Lieu and no mortgage company wants part of us. Guidelines, they say, you have to wait. 
Have n't we lost enough already?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I am XXXX applying for a Mortgage. The Mortgage company sent me a copy of my credit report and all three credit bureaus ( Equifax, Experian, TransUnion ) display : XXXX DELINQUENCY XXXX NUMBER OF ACCOUNTS WITH DELIQUENCY I have no delinquencies on any accounts and with this, there should be no " number of accounts with delinquency ''. This marks against my credit are completely untrue and unjustifiable to be on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2016 about Consumer Loan (Title loan) with Rapid Auto Loans LLC (FL).
Issue: Lender repossessed or sold the vehicle

Complaint: GOOD AFTERNOON, I SEND YOU A WHOLE PACKAGE, AND ALSO ATTY. GENERAL XXXX REFER THE CASE TO YOU. PLEASE CALL ME AS SOON AS YOU RECEIVE MY PACKAGE. I TOOK A TITLE LOAN, OVERPAID AND PAID IT 6 MONTHS IN ADVANCE AND REPOSSESSED MY VECHICLE.THESE COMPANY HAS A LOT OF CRIMINAL CASES.  PLEASE CALL ME OR EMAIL ME ASAP. THANK YOU FOR YOUR ATTENTION.

RESPECFULLY YOURS,
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 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: When I came to this country my friend co-signed on a private student loan through  XXXX  in which I make on time automatic payments each month for. He fell on hard times and filed bankruptcy. Transunion is reporting on my credit that the account was included in bankruptcy which is not correct for my status and is completely ruining my credit and inhibiting me from using it. In the attached document it is very apparent that   XXXX   and  XXXX  are reporting correctly and Transunion is not and the score on Transunion is  XXXX  points lower. If I had filed bankruptcy do you really think my scores would be in the high  XXXX  's. I have perfect credit and expect this to be addressed and corrected 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 12/27/2015 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: reporting account status that is old. 

coastat federal credit union XXXX is still reporting 30 and 60 days late from 6 years ago and account # XXXX is reporting 30/60 days late almost 6 years ago. From what i am told this should be showing the previous 36-48 months max not a late payment i made 6 years ago. XXXX XXXX XXXX reporting lates from 5 and 6 years ago also the following fraudulent inquiries made by my ex wife are still showing XXXX XXXX XXXX XXXX card fingerhut XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all these inquiries were initiated without my permission. All the accounts look ok that i see thus far, i just want the above corrected and removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/30/2015 about Mortgage (Home equity loan or line of credit) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Application, originator, mortgage broker

Complaint: We took an equity line with Citizens Bank in XX/XX/XXXX. After a long process to get this loan we signed the paperwork in XX/XX/XXXX. We then used the money to pay contractors to do some work on our home. The paperwork was " lost '', " not processed '' or just misplaced and we had to duplicate some of this paperwork for months after the loan was originated. The payment set up was incomplete which caused headaches and late charges which after a full year the bank realized their errors and reversed all those charges and cleaned the record. In XX/XX/XXXX I refinanced my home and closed the equity line. Unbeknownst to me or my wife was that Citizens slipped a line in the documents to charge {$350.00} for early termination of the equity line if closed within three years. I only found this out when I received a statement showing my payment for this. They also charge us a yearly fee to have the loan " open '' which they did not prorate for the 4 months we did not use. I have complained to the bank about this and that the loan officer did not explain this fee prior to the loan being opened. On top of this they also charged {$25.00} for a fax to get the payoff of the loan. The bank refuses to give a refund for the {$350.00} or the prorated fee for the loan or the {$25.00} for a fax fee that was also never discussed. {$25.00} for a fax seems a bit high, almost a price gouging situation. The bank personnel have told me they would return calls several times within 24-48 hours and yet have taken over a week on each occasion to reply to me with the same negative response about reimbursing my fees that were paid. Had I been aware of the {$350.00} fee I could have kept the loan " open '' until XXXX with a minimum balance to avoid these fees. I was not given that opportunity to do this and the statement I received was weeks after the payment was made making this situation even that much more frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Bank account or service (Checking account) with U.S. BANCORP (CA).
Issue: Account opening, closing, or management

Complaint: Yesterday, XXXX, XXXX, 2016, I personally went to USBank, XXXX XXXX XXXX Branch to inquire about my Cashier 's Check that I never received. Go to find, XXXX XXXX, Personal Banker sent the Cashier 's Check by XXXX, but the Check never arrived. XXXX, Personal Banker gave me a print out of the XXXX information. I then, checked with the Drop-Off Location, XXXX Store # XXXX, XXXX XXXX XXXX XXXX, XXXX . XXXX, XXXX, CA ( XXXX ) XXXX. They only had a record of it being dropped off on XXXX XXXX, 2016 at XXXX XXXX. So, they told me to call XXXX ( XXXX ) XXXX to locate the check and I found out that the check was " LOST ''. They CAN NOT find the location of the check since it was dropped off at the hub in XXXX XXXX, CA. Now, since the check is LOST it needs to be investigated and it will take time to locate. 

I went back to USBank to explain what happened and there was " NO ONE '' in charge. " NO BRANCH MANAGER '' nor " NO ASSISTANT BRANCH MANAGER '', only the Personal Bankers that told me there 's nothing can do for me. They firmly said, they " WILL NOT VOID '' the LOST CHECK, nor will they " ISSUE ANOTHER CHECK ''. And, that I had to wait 90 days until they resolve this issue in order for them to issue me another Cashier 's Check. What kind of bank business is this? It makes " NO SENSE '' whatsoever. The FACT that I am reporting this check being " LOST '' by XXXX, they are still adamant to not issue me another check. SERIOUSLY?? 

Firstly, XXXX XXXX, Personal Banker took it upon himself to " CLOSE '' my Checking Account without notifying me by phone. Secondly, he had the Branch Manager XXXX XXXX XXXX send me a letter which was sent " Regular mail '' that, I received with no problem ( why did n't they include the Cashier 's Check in that envelope )? On the letter it states that it was sent " Certified Mail '' which is a " LIE '', because the envelope has no notification of it being sent " Certified Mail ''. Thirdly, my Funds are lost and they want me to wait for 90 days before they issue me another Cashier 's Check with " NO FALUT '' of my own. I find this to be completely " UNFAIR ''. 

Instead of the Personal Bankers, being helpful and apologetic ; they treated me with total disregard and disrespect.

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 08/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with HUNTINGTON NATIONAL BANK, THE (MI).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I have been attempting to make a payment on my Huntington Voice credit card, for over a month, but have been unable to due to an error message. Stating the following ; " One or more payment accounts below have been flagged by your financial institution for routing number and/or account number issues. Please contact your financial institution to confirm the payment account information and if needed change the payment account as necessary. '' I have contacted Huntington bank reps. Numerous times to get this resolved and after over 1 month since my first complaint I am still unable to make a payment online. 
I work XXXX ( leave for work ) and typically do not get home until after XXXX. Making a payment online was part of the original agreement i entered into with Huntington bank. On my latest contact with a Huntington bank rep. on X/XX/2017, via a Live Chat through Huntington Banks ( HB ) own platform, it was implied that their is some sort of security restriction Huntington added to my account that prohibits me from making an online payment. I have no idea why and Huntington refuses to provide any information confirming or explaining why. I have not received any correspondence via USPS, Email, Verbal or Text that my account has any restriction for payments During my live chat with a XXXX rep. : - I explained I was unable to add my external checking to make a payment online. 
- I explained my need to make a payment online due to personal restrictions. 
- I have been charged late fees the last few months - After several minutes of researching the HB Rep confirmed the error message but incredibly refused to help me or forward my issue to the  appropriate department. I was literally lost for words. Can you believe that, Huntington literally refused to help me or forward my complaint. WOW! 
Additionally, XXXX is providing untruthful statements to me, e.i. the error message is untruthful. 
- I am beginning to believe Huntington bank is deliberately trying to ruin my credit due to my previous valid complaints. If this is not an example of some sort of retaliation, please find me a more accurate reason for all these issue I have had with them.

Company response to consumer: Closed with monetary relief