milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-05-2015 about Credit card () with SYNCHRONY FINANCIAL (AL).
Issue: Unsolicited issuance of credit card

Complaint: Someone opened a charge account in my name-. This was followed by a charge of {$1400.00} at a Walmart in XXXX, DE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/13/2018 about Debt collection (Credit card debt) with Drew Eckl & Farnham, LLP (GA).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: This company collects on XXXX XXXX loans such as Auto and Credit cards and XXXX XXXX mortgage loans mainly. The Collectors use abusive language to collect from there customers. The collectors and company do not follow the FDCPA guidelines on there calls and letter campaigns. They do not have proper training and rules. 

They have a lot of quality and compliance issues and keep those employees that are known violators employed and unpunished. They need to get it together.

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 08/30/2015 about Mortgage (Other mortgage) with BB&T CORPORATION (FL).
Issue: Application, originator, mortgage broker

Complaint: Submitted a complete package to BB & T asking for assistance with mortgage, in letter dated XXXX XXXX from BB & T and received on XXXX XXXX by mail, BB & T in effect asked us for updated financials and an additional piece of information - a letter of income contribution from wife of income shown in bank statements in package. 
Today, Friday XXXX XXXX we found out that on XXXX XXXX BB & T sent a motion to the court asking to schedule a foreclosure sale by looking at the court docket, we were not even noticed. We found out because someone came to the house telling us that they were made aware that we wanted to sell the house, we said no, who told you so. In following up on what this visitor said we looked at the court docket which showed that a motion was sent to the judge asking to schedule a sales date, we were not even noticed by BB & T. See a copy of the court docket showing a motion sent to the judge asking to schedule a sales date. 
This shows that there is no intent by BB & T for us to be fairly examined for alternatives to a foreclosure sale. Their sole intent is for us to be foreclosed on.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (FL).
Issue: Managing the loan or lease

Complaint: I have made XXXX payments on this account and they have only posted 1 to my account. i have sent them bank statements showing payments coming from account and they still continue to harrass me for payment and say i am 3 months behind. I am 3 months AHEAD but they post to wrong customer & I get harrassed and threatened with collections. Their CSR response and assistance is horrble. They do not follow up, do not acknowledge bank statements faxed to them and do n't work on resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Bank account or service (Checking account) with PNC Bank N.A. (DE).
Issue: Problems caused by my funds being low

Complaint: I made a payment on the online bill pay through Pnc bank. The payment was made weeks prior, but the payment was converted into a check for the business. On XXXX, I had a deposit come through the account. The deposit was processed after the check. This caused the checking account to fall negative. I was told the account fell XXXX dollar above the overdraft forgiveness. I was scolded, spoken down to and disrespected by the retail managers XXXX XXXX and XXXX. The refused to correct the problem that was a bank error. If the deposit was processed in timely manner the account would have never went negative.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Customer service / Customer relations

Complaint: I placed a custom order with the company Excel XXXX billed on XXXX/XXXX/16 for {$260.00}. I received the items ( pins ) and they were darker than desired. I reached out to the company for a replacement/refund. I have an email/document signed from the company saying that a replacement would be sent. I opened a case with Capital One credit card to dispute the charge case XXXX. Excel XXXX sent documentation showing that I approved the order but failing to include the documentation where they agreed to process and send a replacement order.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (IA).
Issue: Loan servicing, payments, escrow account

Complaint: first thing my mortgage started eleven years ago, started through my bank was sold to XXXX right away, i refinanced the mortgage went to XXXX, then over a year ago it went to Freedom Mortgage. My loan hit the 80 % LTV with XXXX long ago and asked they drop the PMI from my loan they said id need another appraisal and to get it down to 78 % so i paid the principal down to 78 % and asked it be removed again and XXXX said no it would only automatically be removed when my scheduled payments reached 78 %, so i asked when is that and they said XX/XX/2017, then over a year ago Freedom Mortgage bought the mortgage, last month they sent me a escrow projection showing me paying PMI another year ( at least ) i asked them to remove the PMI and they told me id need an appraisal.. i sent a response saying i wouldnt pay for an appraisal because not only were my scheduled payments reaching 78 % LTV XX/XX/2017, but that my mortgage is currently just over 72 % LTV. According to what i read about pmi insurance XXXX should have dropped the pmi when i actually hit the 78 % LTV, but my complaint is with Freedom Mortgage, from what ive read on PMI insurance they are clearly in the wrong and violating federal law by not automatically dropping the PMI on their, i shouldnt have to request this and especially not fight with them.. obviously the loan is good standing im several thousand dollars ahead of schedule with no late payments.

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 02/14/2016 about Debt collection (Auto) with NORTHLAND GROUP INC (LA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Northland Group Inc. repeatedly made phone calls that were annoying, abusive, or harassing to me or any person answering the phone as well as without telling me or any other persons who they were.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was never laid on my XXXX XXXX Credit card. They reported me as late in XX/XX/XXXX. I paid of the card in full. XXXX XXXX had an issue processing it. I was told this would be updated ... they DID update it.. then it came back on my report ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Transunion is reporting that I was 30 days late in XX/XX/2017 and I was not late what so ever. I 've dealt directly with Transunion on this and nothing has happened yet. I had a vehicle paid off, and the creditor was XXXX. The payment was sent and was processed before the XX/XX/XXXX deadline. The lender has stated that they 've fixed the problem on its end and that Transunion is the only one that can update it. 

This has been very frustrating bc I also have some fraudulent charges on my report that experience yet to address or even respond with. I have tracking numbers and dates they received my documents if I need to provide this. 

I 'm trying to buy a house for me, and my girl and this issue is killing my score. I have paid everything on time, and I go to pay off than the late hits. I need experience to processes my documents and remove this so I can move us before the lease is up by XX/XX/XXXX. 

Thank you,

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 10-12-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problems caused by my funds being low

Complaint: Bank Of America did not notify me prior to placing hold on my account. They were served a Levy on XXXX XXXX, 2016 same day my funds were placed on hold, my only income ( pension ). I was not notified by the collector Levy was mailed to me same day. I am almost XXXX years of age worked hard all my life, until I had to take early retirement due to illness. This has placed in hardship with overdraft bank charges. I have filed complaint against the H.O.A. as well through this system.

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 03/23/2017 about Bank account or service (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Account opening, closing, or management

Complaint: Dear Sir/Madam, Re : Bank of America Core Checking Account ( # XXXX ) and Regular Savings ( # XXXX ) I am filing a complaint against Bank of America for unauthorized charging service fee on my regular savings account without any prior notification. We open Core Checking account in XX/XX/XXXX and was persuaded to also open a regular savings account. We were told at the time that the XXXX accounts would be linked and there would n't be any charges or fees as long as we maintained our monthly balance no less than {$1500.00} in our core checking account. Since then, we have met our minimum balance requirement and maintained at least {$100.00} in our savings account as well. 
However, starting from XX/XX/XXXX, the Bank imposes a monthly charge of {$5.00} on the grounds that our savings account has less than {$300.00} even though our balance in the core checking account always far exceeds {$1500.00} and the two accounts are supposed to be linked. We challenged their unauthorized debit and were told that there was a letter of advice sent out in XX/XX/XXXX. We never receive such letter or any electronic communication from the Bank. 
Finally, the Bank agreed to refund me but for some reasons, not the full amount of the 5 months of charges. We file this complaint because we feel being misled and we do n't know how many of consumers are being treated like that. We would appreciate your prompt attention to the matter. 
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 05-12-2016 about Debt collection (Medical) with Debt Recovery Solutions, LLC (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a bill from Debt Recovery Solutions LLC for {$370.00}. The Original Creditor is XXXX XXXX Hospital. I 've never been a patient with them, however I called the hospital to see if there was any record of me and there was nothing. I called the Debt Collection company and told them I would not pay because their information was invalid, and that I researched the issue with the original creditor. The woman stated that the Hospital would no longer have my info, which is not accurate. There would have to be a date of service, and proof that I was a patient there however the hospital was unable to find anything with my name or DOB. The hospital billing dept have also never heard of this company. I feel this bill was fraudulent and they are trying to steal money from people.

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 09-09-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (PA).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX & XXXX XXXX brought up an ACT 91 Notice and we will send out to XXXX. We will send out a complaint to CFPB. They havebeen working with XXXX since XX/XX/XXXX first to get a loan modification with XXXX XXXX XXXX and now withNationstar Mortgage. They have been contacted by lawyers to scam them out of their money to pay them @ {$750.00} a month. People keep comingout to take pictures of their house even as we are waiting for an answer to our request for the loan modifications sent : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Atrial modification was offered on XX/XX/XXXX for XXXX payments of {$730.00} starting on XX/XX/XXXX. XXXX XXXX received a letter dated XX/XX/XXXX sayingNationstar has received their loan modification application and generally take 30 days to evaluate. In a letter dated XX/XX/XXXX Nationstar offered aForbearance Plan and Agreement for 3 months starting on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX at {$520.00} a month. During the Deferral Period they willbe evaluated for the HAMP program. Here we are still waiting to hear a positive response on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Consumer Loan (Vehicle loan) with CONSUMER PORTFOLIO SERVICES, INC. (GA).
Issue: Managing the loan or lease

Complaint: I made a partial payment halfway through the month, as I fell on some hard financial times. I set up a payment for the end of the month ( to avoid a negative report on my XXXX, as I have been working on a mortgage for about 9 months. ) They reported me 30/60 days delinquent, and dropped my credit score over XXXX points! They said I needed to pay by the XXXX to avoid negative reporting, which I did. They have also been applying all of my payments to interest.. and nothing goes to my principle balance. I have been paying on the car for 1 year, @ XXXX $ a month, and have only satisfied XXXX of the initial balance!!! When I call, they have no record of previous calls, and have been hanging up on me when I call to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I have been identified as an affected individual in the Equifax security breech disclosed on XXXX XXXX, 2017. Due to inadequate data security measures and protections on behalf of Equifax, my personal and private information and data such as my SSN, DOB, full address, and potentially DL number have been stolen. Through no actions of my own, I must assume that my private and personal information are now public data and potentially being used without my consent for future deeds of dubious intention and legality.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have multiple accounts on my credit report that are closed and have been sold. I know this because the debt have been in my debt collection or are still. I 've been trying to get the original debt removed so it does n't look like I have double the serious delinquency or derogatory indicator. The Credit bureaus keep coming back with the account verified account sold but refuse to remove them since they 've been sold. Accounts XXXX XXXX XXXX XXXX I also have accounts that were paid before being sent to collection and now sitting on my credit report and the credit bureau refuses to remove them keeps coming back with verified account paid before collection. Accounts XXXX XXXX XXXX XXXX XXXX XXXX I also have multiple hard inquiries that were unauthorized and the credit bureau keeps coming back with they are factual and that I need to call the original creditor when have called the creditor is unaware of the hard inquiry and says there nothing they can do about something they have no knowledge of. 

Inquiries 1 ) XXXX XXXX XXXX/XXXX/XXXX ) 2 ) XXXX ( XXXX/XXXX/XXXX ) 3 ) XXXX ( XXXX/XXXX/XXXX ) 4 )  XXXX ( XXXX/XXXX/XXXX ) 5 ) XXXX XXXX ( XXXX/XXXX/XXXX ) 6 ) XXXX ( XXXX/XXXX/XXXX ) 7 ) XXXX XXXX ( XXXX/XXXX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (WI).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint: Mishandling of personal data on a large scale. Not notified for 3 months after the breach, and even then I had to personally attempt to discern whether my information was part of the impacted data ( according to Equifax, my data was part of that potentially leaked ). 

I would like resolution of this issue and to see better handling of such vital, sensitive information.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, oh XXXX XXXX {$3900.00} Open XX/XX/XXXX Reported XX/XX/XXXX This is all negative info that am not obligated for, due to my contract of completion of the school. I did not resign for the loan next term. So therefore we have to contract in wet ink on paper.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Debt collection (Medical debt) with Pendrick Capital Partners Holding, LLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I had receive a letter dated XX/XX/XXXX from XXXX XXXX XXXX acting in behalf of XXXX XXXX XXXX, XXXX ; disputing XXXX XXXX XXXX charges for the amount of {$1000.00}. 
This account has been filed and solved on XX/XX/XXXX with the Consume Financial Protection Bureau, with reference number XXXX. 

First of all, this polemical disputed derogatory charges from XXXX XXXX XXXX has been disputed many times with several other creditors. After, disputed such inaccurate charges with XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XXXX, based in the findings subsequently such derogatory information was deleted by those creditors from my credit profile. 

Now, XX/XX/XXXX XXXX XXXX XXXX is persecuting me again for services that I have had never provided by XXXX XXXX XXXX. My personal profile has been jeopardized multiple punishments for the same issue by the missteps of all those collection agencies. This aforesaid derogatory disputed account, it seems that has been transferred or sold amount collection agencies. 

XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX, must cease and desist with this multiple jeopardy persecution and punishment for the same issue that previously has been solved. 
The aforementioned derogatory charges from XXXX XXXX XXXX are services that I have had never solicited nor provided by XXXX XXXX XXXX. 

This is a matter that has been on and off for the last nine ( 9 ) years and needs to stop the harassment over this controversial issue immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Mortgage (Other mortgage) with CIT BANK, NATIONAL ASSOCIATION (CA).
Issue: Application, originator, mortgage broker

Complaint: A Deed of Trust were procured by fraud involving INDYMAC BANK in XXXX. In XXXX, FDIC closed INDYMAC 'S doors and reopened it under INDYMAC, XXXX Request for FDIC to provide information relating to this erroneous loan in which INDYMAC BANK claimed to have " paid out '' an outstanding debt to " XXXX '' in XXXX. The purported loan number is XXXX. Require FDIC to show the equal consideration of the loan balance that were received for this loan in XXXX, after INDYMAC filed for chapter XXXX and debts were discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2018 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: Information is missing that should be on the report

Complaint: Experian has wrong job information. Correct information for my job is XXXX XXXX. This is where I been since XX/XX/2008.

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 06/16/2015 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 submitted a dispute letter to Experian dated XXXX/XXXX/15. I then received a reply from them dated XXXX/XXXX/15 stating that they think my letter is " suspicious '' and is coming from a XXXX party. I am disputing this account on my own, and even signed the letter and sent it certified mail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed