milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-06-2016 about Debt collection (Medical) with Medical Business Bureau (MI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I had an invoice from XXXX XXXX XXXX and it was referred to Medical Business Bureau for non payment. Debt owed was XXXX. On XXXX XXXX, I called and paid this and was promised it would be removed from all XXXX credit reporting agencies. As of today, all XXXX show a balance, however it shows closed on XXXX. Medical Business Bureau has failed and I expect complete removal of this from my credit report. Please see attached paid proof along with my current credit report as of this morning showing the debt open/not closed/.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Student loan (Non-federal student loan) with BOEING EMPLOYEES CREDIT UNION (OR).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: The terms of my private student loan with BECU were changed without my knowledge. When I began paying back my student loans XXXX have never missed a payment ) in XX/XX/XXXX I had up to XXXX XXXX month forbearance periods available to me. In XX/XX/XXXX I became unemployed and reached out to my lending institution letting them know that I would like to opt for the XXXX month forbearance available to me. They told me that they were no longer offering these forbearance periods and I would need to figure out how to pay. For XXXX months I barely made my payments of {$600.00} per month on unemployment checks ; until I was lucky enough to find employment again. I feel violated by those periods of forbearance being taken away from me. Those periods of time were a safety net for me as a financially independent young adult who holds {$80000.00} in private debt. Is the institution allowed to do this without notifying me? If they did notify me in a monthly payment contract opt in is that predatory?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (NY).
Issue: Application, originator, mortgage broker

Complaint: On XXXX/XXXX/15 I contacted quickenloans ( QL 'S ) for a HARP Refi and was told I was approved but needed to pay $ 400- {$500.00} for an app fee. I advised that I wanted to discuss my options with spouse before proceeding. After discussing and contacting my mortgage Lender I decided not to proceed with QuickenLoans. I called QL 's, the representative was very persistent and matched the GFE of my lender. Since my lender offered no costs upfront, application or appraisal fees as did QuickenLoans I called back to cancel. The representative ( XXXX XXXX ) tried to match the offer by reducing closing fees to compensate so I asked for GFE ( this was now the XXXX business day ). I was informed that I needed to pay the above referenced fee to proceed ( this fee was requested on the original conversation ). I contacted CFPB to learn my rights and promptly contacted the XXXX 's rep, he informed me that I misunderstood what he said ( this was the XXXX thing I questioned and got that response ) I stated that I no longer wanted to proceed because I was disappointed with the way they conduct business and could no longer trusted them. XXXX still continued to push as to why I will not let them same me money and at no time offered to send the GFE although it has now been 4 business days since the original conversation. He even stated that all he did was take my info which I disagree with because for our conversation I believe an application was taken because be ran our credit reports and spoke to my spouse to confirm application information. Further no disclosures were sent to me my way of mail or e-mail. For comparison my discussion with my Lender XXXX and QL 's have been the same and I have received countless e-mails and mailings with disclosures from XXXX and none from QL 's. XXXX further comparison, when I informed XXXX that I needed to discuss with my spouse before moving forward I was informed that they understood that I needed to make an informed decision and to get back to them as soon as possible if I wished to proceed ( P.S. I received a GFS within XXXX mins of the call with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2017 about Mortgage (VA mortgage) with NEW DAY FINANCIAL, LLC (MD).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: In XX/XX/XXXX my wife and I applied for a refinance mortgage with New Day Financial. The application was conducted over the phone, and I did not disclose any demographic information. The agent told me that my application was denied because I had one 30 day late payment on our current mortgage within the previous 12 months, and my credit score was not high enough. He told us that if we can keep our payments current for the next twelve months and re-apply in XX/XX/XXXX, we could qualify for a refinance. Fast- forward 12 months to XX/XX/XXXX. My credit score improved and all my payments were kept current. Based upon the information I was told, I had confidence that I met the qualifications to refinance with New Day. I called New Day to  re-apply for a refinance. This time we revealed that we were XXXX in the demographic disclosure part of the interview. We were told that my wife still did not improve enough to qualify, but my credit met the qualifications. However, before we could proceed further with refinancing with just me, the agent told us that he " was being called into a meeting '' and he had to call me back later or the next day to follow up. The next day I received a call from the agent informing that my application was denied due to a previous delinquency ( 120 days ) on the same mortgage that occurred four years ago. The agent told me that New Day will not approve applicants who had were delinquent on their mortgage within 5 years. I explained to the agent that this was not what I was told when I applied a year ago, and had I known I would not have wasted time applying now. The agent suggested that the previous agent was not fully informed on the requirements and apologized on his behalf. I suspect foul play based on ( 1 ) how I was rushed off the phone before I was made an offer, and being disqualified for a different reason that was not claimed the first time I applied for a refinance ; and ( 2 ) since I revealed my race on the second application and withheld it on the first application, my creditworthiness was further scrutinized.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Debt collection (I do not know) with Midwest Recovery Systems (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Midwest Recovery Systems is practicing illegally in North Carolina. I have submitted a compliant with NC Department of Insurance as well as the NC Attorney General 's office because for some time I have been fighting the Credit Bureau about Midwest Recovery Systems BOGUS and FRADULENT based account on my credit report. <P/>I have sent several messages to XXXX, XXXX and XXXX about the fraudulent PAYDAY LOAN Account ( per the credit report the company is a PAYDAY LOAN Company ). After much research and back and forth with the bureaus, I found that Midwest Recovery is not even licensed as a Collection Agency in North Carolina and they have placed this FRADULENT account on my credit report since 1st Quarter of this year. Midwest is saying I had a payday loan from a company XXXX XXXX XXXX that is not even in business when I researched the company for information. ( XXXX XXXX XXXX XXXX  The attachments will show you they are not licensed here in North Carolina, it will also show you the company they claim I owe is not in business. I have also included the link below that I am not the only one they are doing this too. <P/>The credit Bureau keep saying verified for FRADULENT information. Please not only investigate them but stop them from doing this to others in our state but other states.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2016 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Attempting a short sale. The buyer is a tenant in the property. The relationship was disclosed and short sale lender refusing to process short sale claiming that it is not an arms length transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (VA).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: Good day, I am writing this complaint due to the way I was treated by merchant Synchrony Bank as a longtime customer I expected better. Their sarcastic and condescending behavior is not appreciated. I also work in the   XXXX   XXXX   and this is not acceptable by any means. I contacted this merchant on  XXXX  to resolve a matter on which I was not aware until now ; I was lied to by the original merchant (   XXXX   ) about the promotional period. When I noticed that I was going to be charged an additional {$680.00} in deferred interest as of  XXXX / XXXX /  XXXX   I immediately contacted Synchrony Bank to resolve the matter. This merchant was less than helpful their representatives are less than knowledgeable and very frustrating ; all they do is repeat the same thing over and over. I tried escalating call however was left on hold for 30 minutes, I also tried calling this merchant back on  XXXX  to again try to resolve the matter and again they were not helpful. I have  XXXX  other accounts with this merchant all my accounts are in good standings and have never had this or any issues.     As a consumer I have to be given a fair chance to pay a debt off. How can this happen, you are telling me that my bill of {$860.00} will increase to {$1400.00} as of  XXXX / XXXX /  XXXX   and will take me another 3 years to pay this debt off. This is due to no fault of my own I was lied to by the original vendor (  XXXX  ) I should not be the  one  to suffer. I would not have purchased the product if I know this is what the terms were going to be. Synchrony Bank said pay the remaining balance in full by  XXXX / XXXX /  XXXX   to avoid the additional interest. I have reached out to Synchrony Bank on   two   occasions  XXXX / XXXX /  XXXX   &  XXXX / XXXX /  XXXX   with no resolve.     Regards

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 02-01-2018 about Credit card or prepaid card (Payroll card) with CITIBANK, N.A. ().
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: good day my name is XXXX XXXX i tried to make a demand transfer to my account in my country but the money were taken and i did not receive nothing and i was charge for the transfer fee also tried to contact them by any chance and also the bank XXXX has send before a changing bank and isuees that dont help me with nothing i could not use my card to get money from a atm so i chose to transfer and i dont have now money on either account please get back to me as i have a problem and i need those money asap thank you i did the demand transfer on XX/XX/XXXX and they didnt enter in account even at this hour. Dear XXXX XXXX The following payment has recently been processed. If you did not perform this change or have questions about this communication, please contact Customer Service at XXXX. 

Please note the details below. 
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Transaction Date : XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Sender : XXXX XXXX Recipient : XXXX XXXX Recipient Bank : XXXX XXXX XXXX Recipient Bank Country : XXXX Confirmation Code : XXXX Date of availability : XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Transfer Amount : USD XXXX Transfer Fee : USD XXXX Transfer Taxes : USD XXXX Total : USD XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - FX Rate : XXXX USD = XXXX USD Transfer Amount : USD XXXX Other Fees : -USD XXXX Other Taxes : -UNKNOWN Total to Recipient : USD XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - You have a right to dispute errors in your transaction. If you believe there is an error, please contact us within 180 days at ( XXXX ), or log onto XXXX. You can also cancel this transaction for a full refund within 30 minutes of submitting this transaction. For further questions or to log a complaint, please contact the Consumer Financial Protection Bureau at www.consumerfinance.gov or call XXXX, XXXX ( TTY/TDD ) Sincerely, 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 08/30/2017 about Mortgage (Other type of mortgage) with BAYVIEW LOAN SERVICING, LLC (CA).
Issue: Trouble during payment process

Complaint: In XX/XX/XXXX we subdivided the property creating two new properties with two new pan numb rd, different addresses, ... ... the deed was recorded for the new properties in XX/XX/XXXX. In XX/XX/XXXXmy loan was sold and that 's when the trouble started. Currently at the recorders office this bank has sold a XXXX loan to two different banks and I have a loan with them for XXXX. So anyone looking at my properties- it shows that I have somehow three different loans, on different properties. ... ... ..the XXXX XXXX XXXX has a loan of XXXX ... ... 
.The XXXX XXXX XXXX which is newly created parcel suddenly has two loans agains it from a different mortgager ... ... XXXX and XXXX XXXX XXXX for XXXX ... ... XXXX so somewhere these people that are selling my original loan are other stole XXXX ... ... ..or I just do not understand how come from only one loan that covered one property for XXXX now it looks like I owe XXXX XXXX dollars ... ... .so this bayview mortgage sold my loan to XXXX and XXXX XXXX XXXX ... ... ... so one address has bayview on it ... ... .and the other address has XXXX and XXXX XXXX XXXX on it ... ... ..different loans ... ... and I do n't know how to clear all these recordings that are being done against my two properties. I tried speaking with bayview and they finally sent me a letter last month saying ... oh your loan has been sold in XX/XX/XXXX... .. and they had 30 days to do it ... ... but never did it until this year ... ... ... they were aware when buying the loan from XXXX in XX/XX/XXXX that the property was subdivided and they were purchasing XXXX XXXX XXXX ... ... .and suddenly they went and recorded papers for a loan against my new property for XXXX when that money never exchanged hands ... ... ..so I need help ... ... ... ... .I am not getting any help from the bank ... ... ..I have been trying since XX/XX/XXXX to fix this ... ..than last year I paid an attorney and they took my money and never did anything ....

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2015 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: This was put in bankruptcy and resolved.will send documents if need feel free to call XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Bank account or service (Checking account) with CITIBANK, N.A. (NJ).
Issue: Account opening, closing, or management

Complaint: CitiBank is due to pay {$400.00} bonus for a new checking account. This was expected XX/XX/2016 but was not credited. They claim they do not have a valid XXXX on file ; however, I have attempted multiple times to provide this documentation. At the time of account opening, via mail which was deemed not valid, and in a branch on XX/XX/2017. They cite the lack of a XXXX as the reason for not posting the {$400.00} bonus due to me per Case number : XXXX. A completed XXXX is attached to this request.

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 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: On XXXX XXXX, 2017 I wrote XXXX, XXXX and TransUnion about inquiries that were 1 ) non-account holding and more than 30 days old and 2 ) were not authorized as a follow up to an original dispute for unauthorized inquiries that was written and sent on XXXX XXXX, 2017. I have yet to receive a response from either bureau regarding the status of the follow up investigation and removal of the unauthorized inquiries.

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 11-03-2015 about Consumer Loan (Installment loan) with CURO Intermediate Holdings (AZ).
Issue: Managing the loan or lease

Complaint: I have been paying this loan since around XXXX 2014, I have been paying and the loan amount seems to remain around the amount that was borrowed. I would like to redo this loan in a fair amount of interest, which would allow me to pay this loan off faster. I am not able to maintain a financial lifestyle that will allow me to pay my essential bills. This is causing NSF fee 's that will ultimately force me to close out my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Dear Sir/Madam : Please note : I am filing a new complaint due to the fact that my previous complaint, XXXX was unable to be verified to to a lack of information. I called your offices and they suggested that I file two new separate complaints, one for each of the credit reporting agencies that I would like to dispute with. So to be clear, this is a new complaint, and not a duplicate. 

I am requesting your assistance to clear up my credit report due to an inaccurate collection placed on it recently. Kindly allow me to provide some background information below : I paid {$150.00} because I discovered the apartment management at XXXX XXXX had forwarded my claim to the collection agency, however, this does not mean I accept the claim. In fact, I completely disagree with this claim, and it is absolutely unjustified, erroneous, and unfair. I just wanted to get this issue resolved and off my mind so that I could pay attention to real issues and other priorities in my life. 

We have tried reaching out to the credit bureaus and asked them to correct the discrepancy. Attached are the letters that I have written to all three credit bureaus, and also to the apartment complex XXXX XXXX. Kindly look into this matter and take appropriate action in accordance with laws to clear my credit history of this negative remark and collection at all the bureaus. I am in a process of buying my first home and this is negatively impacting my credit score and my ability to secure a Home Mortgage Loan. 

XXXX has already removed this off my credit report, I am requesting that you contact Experian on my behalf and further investigate this matter. Thank you very much, and I look forward to your prompt attention to this matter. The letter from XXXX that states they have deleted this remark is also attached.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Debt collection (Medical) with AmeriCollect (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft and noticed a collection from AMERICOLLECT I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against AMERICOLLECT in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I attended the XXXX XXXX in XXXX XXXX and the XXXX XXXX in XXXX, resulting in over $ 100k in student loans. I believe this to be fraudulent since I was never told of this amount and the school is currently under investigation for fraud from the US Dept of Justice. 
But today my complaint is about XXXX XXXX/Navient. 
I suffer XXXX and was unable to find employment. I qualified for a XXXX Discharge. 
Recently, this year of 2015, the XXXX XXXX XXXX and the Federal Government have granted my XXXX application for over $ 60k of the overall student loans. It took four months to process my application. 
Navient XXXX XXXX XXXX XXXX have denied my XXXX application for the past two years for $ XXXX in Private loans. 
They continued to send me bills during the review process. Both Navient and XXXX XXXX have told me that there was no XXXX discharge for the Private Loans when I had the very forms in my hands. 
Navient told me that the insurance company that evaluates my application makes the final decision. When I called the insurance company they told me that Navient makes the final decision. 
Even after Navient learned of my XXXX approval from the Federal Government, they still denied my application. 
I believe that Navient will never approve my application even though I had a XXXX fill out the XXXX application more than once. I no longer trust this company and am unsure how to act. After I read of the possible lawsuit and the complaints from other borrowers being cheated and overcharged, I decided to submit this complaint for assistance. 
I am filing this complaint for further assistance and hopes of resolving the matter. I can provide documentation of my XXXX approval from the XXXX XXXX XXXX XXXX and the denial letters from Navient/XXXX XXXX as well as personal documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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: XXXX Reported a late payment to my credit report back in XXXX 2016.  The account was never late and when I contacted them about the error, they started that my payment amount had gone up by a few dollars but they never notified me of the changes because my payment amount had been the same for eights years and they cashed the check that was sent in as it was every month This caused my credit score to drop and it has been very stressful trying to get this matter resolved.

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