milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/22/2016 about Mortgage (VA mortgage) with ARVEST BANK GROUP, INC. (AR).
Issue: Settlement process and costs

Complaint: On or about XXXX/XXXX/16 and offer and acceptance was asked and granted on real estate in XXXX XXXX XXXX. The loan is a VA and loan application for property was submitted to Arvest Bank in XXXX XXXX, XXXX. The problem begins here ; the VA appraisal request was submitted to the VA Regional Office in XXXX, XXXX on XXXX/XXXX/16 and was due back by XXXX/XXXX/16. As of this date XXXX/XXXX/16 it has not been submitted to the bank or the VA, even though XXXX XXXX, and XXXX XXXX were on the real property, inspected the home and outlying buildings on XXXX/XXXX/16. The bank misspoke when I was told that the request for VA was given on XXXX/XXXX/16 for appraisal. The situation has cost me money, delayed shipping/moving problems with contract carrier, storage costs and extension of money spent in an apartment without hardly any of my household goods, including limited clothing. All of the belongings are in storage. The seller is having the same problems. 
The appraiser, XXXX XXXX and XXXX XXXX need to be dealt with. I have left several messages ( XXXX XXXX XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX to no avail. They have not returned any calls. I have filed a complaint with the VA in XXXX and assured me that the appraisers have violated the time constraints established by their dept. The bank, Arvest has not been forthcoming in their communications with me and are of partial fault in my thinking, due to a lack of communication and misspoken facts on the loan time and closing date. It was originally to be XXXX XXXX, 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Mortgage (Conventional fixed mortgage) with Sortis Financial, Inc. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: Clearsprings Loan Servicing, Did A Loan Modification due to a personal financial hardship. I made my 6 Loan Mod payments from XXXX 2015 thru XXXX 2015. And then I continued to make on time payments. 
On XXXX of 2015 Clearsprings Loan Servicing, Transferred servicing to XXXX XXXX XXXX. They transferred the loan with a Escrow deficit of {$750.00}. The loan mod should have brought all elements of the loan current. Now, Clearsprings Loan Servicing, is doubling my escrow payment adding a financial burden to my loan payment. 
Clearsprings Loan Servicing should be is responsible for correcting their error.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Payday loan () with LENDING CLUB CORP (CA).
Issue: Applied for loan/did not receive money

Complaint: Filled out online application and they said they would fund it as soon as possible. Did not hear from them. Lending Club called me several times to say that the application was not complete. Went over application again and sent it in. They did not answer. Called me about two weeks later said they hava loan for me. All directions were followed and they just took my information and even moved the response to another state.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2018 about Debt collection (Medical debt) with Collection Bureau of Fort Walton Beach, Inc (KY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On my credit report there are multiple duplicates, triplets, and quadruples, of different accounts. all the accounts are from XXXX XXXX XXXX XXXX, which all were reported to or sent to Collection Bureau of FT. Whom wants to set me up on a payment plan. I called XXXX  yesterday and requested all of my bills from there, in which I was told that there were only seven. The Collection Bureau of FT has 19! Several of these accounts are multiplies and the Collection Bureau of FT are giving me the run around. I'm XXXX  years old and attempting to fix my credit score in order to get my life on the right track.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2015 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Equifax has ignored my request to provide me with the documents their company has on file that was used to verify these accounts, under the Section 611 ( 5 ) ( A ) of the FCRA - they are required to '' ... Promply delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Debt collection (I do not know) with Eastern Revenue, Inc (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was recently contacted by eastern revenue the debt collection agency telling me that I had a debt due of XXXX dollars from the XXXX college of XXXX. I put in a request to remove the charges from my account but I was told that the college policy states that I have to drop the class if I do not plan to attend it. But I did attend to take the class and I did, I went to the first few classes but the XXXX class in the professor told that I was not on the class role sheet. So I went to the financial aid office and they told me that my financial aid did n't go through and I do n't believe that was my fault. Because on my side it did go through. This past Thursday on XX/XX/XXXX I went to the school to dispute my issue again and this time I was told the reason why my financial aid did n't go through on their side was because I did n't apply for the XX/XX/XXXX financial aid but by the time I applied it was XX/XX/XXXX. I called the financial aid customer service and they were on my side saying it was n't possible for me to apply for XX/XX/XXXX if it was already XX/XX/XXXX. I believe nothing wrong happened on my side if anything wrongdoing was on the schools side.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Mortgage (Other mortgage) with Seterus, Inc. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: We had a mortgage with XXXX that was discharged in chapter XXXX bankruptcy 4 years ago. 
Another company purchased the " loan '' and has continued to bill us for back payments. 
It clearly states on the bills sent to us that if the property was discharged in bankruptcy disregard the bill. 
The company is SETERUS. 
I have called and told them the debt was discharged. But the bills continue to come. 
This is unfairly affecting our credit score. We are trying to rebuild our credit. We both work hard and have good jobs.

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 EQUIFAX, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Credit bureau report inaccurate and unauthorized accounts and inquiries on my consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Credit card () with SYNCHRONY FINANCIAL (NM).
Issue: Late fee

Complaint: Synchrony Bank which issues Sam 's Club credit cards is pulling a " XXXX XXXX. '' For the past two months I have been charged late fees and interest on my balance without receiving a statement from them or the statement arrived two days after I was emailed that late fees and interest was charged to my account. Furthermore, I have paid my balance on time and there is no record of it on my statement. When I tried to resolve this matter with the bank with a supervisor I was put on hold for 10 minutes as part of a avoidance tactic. When I called back again to speak with customer service, I was disconnected. I tried again and I was disconnected. It is my opinion that this another tactic banks are using to XXXX customers into paying monthly late fees and interest in an attempt to improve their bottom line. I want those late fees removed and all interest charges removed from my account immediately. This is another example of how banks like XXXX XXXX and Synchrony are XXXX unsuspecting customers to their benefit.

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 07/13/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with DISCOVER BANK (FL).
Issue: Application, originator, mortgage broker

Complaint: I had applied for a refinance with Discover Home Loans on XXXX XXXX, 2015. After 6 weeks and many hours on my part gathering the information that Discover needed, I was told that they could not go ahead with a mortgage because the Condo Complex that I live in was in the process of reparing some construction defects on the balconies and had a lawsuit in process with the developer over the defects. Discover told me that it was XXXX regulations that neccessitated the no mortgage discision. This did not make sense to me for XXXX reasons. XXXX if it is a black and white issue - lawsuit means no mortgage - this should have been discovered during the application process XX/XX/XXXX. Second the repairs cost around {$600000.00} which represents less that 1 % of the insured value of the property. In addition the HOA is doing the repairs regardless of the outcome of the lawsuit. I tried to escalate this issue with Discover but have been stonewalled. I also want to know exactly what XXXX says regarding their restrictions on lawsuits.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMCOL Systems, Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have filed disputes while accounts still open to inform company of misuse of card/product by other persons than myself.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Payday loan, title loan, or personal loan (Payday loan) with Big Picture Loans, LLC (ME).
Issue: Charged fees or interest you didn't expect

Complaint: I took out a payday loan with this company ( which I realize was a bad choice but I was desperate at the time ... I went back to look at my payment history to try and figure out when this " loan '' would be paid off and I learned that I had made 6 payments of {$XXXX} each and my principle loan amount had only gone down by a few dollars! I can not afford to keep paying this loan and learned that these types of loans are not legal in my state and I had already paid back what I borrowed plus interest. I asked them to stop debating my account and reported to them that they are not licensed to lend in my state and they attempted to offer me a settlement. This loan is bankrupting me!

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Debt collection (I do not know) with The Thomas Agency, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I only became aware of this debt by looking at my credit report. When I contactacte d the Thomas Agency they informed me the debt was from Delorme whith whom I have never personally done business with. The Address they had on file fo rthe debt is an address in Florida which I have never lived or resided at. When I contacted Delorme the original creditor they informed me that the debt was a debt owed by a former employer of mine (   XXXX   XXXX   XXXX   ) and that my previous boss had put me as the person of conta ct for the account. I do not understand how my boss putting me as the point of contact binds me to this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On Friday, XXXX XXXX around XXXX I was made aware that Equifax mishandled my information which led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. To my knowledge, absolutely nothing was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it from an online media announcement. 

Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Indefinitely. 

Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. I was required to pay {$10.00} to freeze my credit on Equifax to cover for their gross negligence. 

I am very frustrated with the handling of this situation, as I know millions of others are that were impacted. This situation must not be allowed to happen again, especially with information so critically important to each person.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with CITIZENS FINANCIAL GROUP, INC. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My lender, Citizens One Mortgage falsely reported to the credit bureaus that I was late on my mortgage payment. I learned of this error when I tried to refinance my home. I was denied because of this error. I contacted my mortgage company and told them I required a letter stating that I was not late that month. They told me it would take 30 days to research. 30 days passed and I received no resolution, then I received a letter saying it would take 45 days because it required more research. After 45 days, then I received a letter that acknowledged the error on their part, but would not state that I was n't late which is what I told them I needed in order to move forward with my refinance. When calling customer service they urged me to speak with their refinance department which made me suspicious that they were holding up my document to force me to stay with their company. Multiple emails and phone calls and still no resolution. After fighting this issue now for two months I have received a letter stating that the error will be updated in ninety days, so an error that was not my fault is taking six months to resolve which is costing me money I desperately need and my mortgage company refuses to provide the very simple request of a piece of paper that states I was not late on the month in question. They will and have provided letters admitting they made an error, but they refuse to provide what I need to refinance my loan. How can a mortgage company be permitted to make errors and then abuse their victims with no repercussion?

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2016 about Bank account or service (Savings account) with TCF NATIONAL BANK (MN).
Issue: Account opening, closing, or management

Complaint: I opened a savings account XX/XX/XXXX for {$25.00}. They said if I had {$100.00} in the account in 3 months I would not be charged the {$4.00} fee. I had {$100.00} in on XXXX XXXX, and on XXXX XXXX they charged the fee. If they do this on me, how many others are being cheated each month. I would like the looked into.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My data was compromised in the Equifax security breach. There is a delay in enrolling in their Trusted ID  program and I am concerned about fraud. It was unfair that Equifax did not disclose the breach to consumers prior as over a month has passed, and we should have been notified earlier so that we could monitor our accounts ASAP. I am unsatisfied with the breach notification by Equifax. I am unsatisfied that Equifax had insufficient security, such that the breach occurred. 

I also think it was unconscionable that Equifax did n't clarify the class action waiver piece earlier. There was a lot of info swirling around social media that checking whether your security was compromised/enrolling in Equifax ID protection required a waiver. It is now addressed on the Equifax site but I think Equifax should have communicated better overall.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This company has foreclosed on my home after it was put under the civil service protection act in XX/XX/XXXX. The initial paperwork said that no Legal proceedings would take place until XX/XX/XXXX. After recent investigation it has also been found that this same company falsified documents and committed other illegal foreclosure proceedings. They are currently reporting this fraudulent erroneous information to the credit bureaus. This company has did my family and I a great disservice. As a XXXX XXXX XXXX veteran I am disgusted with their illegal practices. Please investigate this company. This is not the first time they have been under investigation for practices such as this. I truly am in awe of the practices the government allow to take place by these big banks who just misuse mistreat and cheat our veterans. The ones who stood on the front line for this very country.

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 02-09-2017 about Mortgage (Home equity loan or line of credit) with BB&T CORPORATION (FL).
Issue: Application, originator, mortgage broker

Complaint: My wife and I were rejected for a Home Equity Line of credit despite the fact that we have over seven million dollars in net assets and credit scores of XXXX. We believe we were rejected because of our age - we are both over 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 10-05-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (MD).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: OUT OF THE MILLIONS OF BANKS WITHIN THIS ENTIRE WORLD, YOUR J. P. MORGAN CHASE BANK HAS TO BE THE MOST XXXX ; THE MOST ANTI XXXX XXXX XXXX ; THE MOST ANTI XXXX ; THE MOST ANTI XXXX WITH XXXX, AND ETCETERA,  SO-CALLED BANK WITHIN THIS ENTIRE WORLD!!!!!!!!!!!!!!!!!!. 

ON OR ABOUT, XXXX XXXX, 2017, YOUR J. P. MORGAN CHASE BANK HAD WRONGFULLY CLOSED MY CHASE CHECKING ACCOUNT. YOUR J. P. MORGAN CHASE BANK, AFTER NUMREROUS ATTEMPTS, COULD NOT ORDER AND SUCCESSFULLY MAKE PERSONAL CHECKS FOR ME WITHOUT ANY MAJOR MISTAKES, INCLUDING, BUT ABSOLUTELY WERE NOT LIMITED TO : THE PRINTING OF THE CORRECT CHASE BANK 'S CHECKING ACCOUNT NUMBER ; THE PRINTING OF MY FULL LEGAL NAME ; MY LEGAL MAILING ADDRESS, AND ETCETERA, ON THEIR PREVIOUSLY ORDERED SO-CALLED, J. P. MORGAN CHASE BANK 'S PERSONAL CHECKS!!!!!!!!!!!!!!!!!!!. NEEDLESS TO SAY, I HAD TO HIRED ANOTHER COMPANY TO PRINT, AND TO MAKE PERSONAL CHECKS FOR MY SO-CALLED, J. P. MORGAN CHASE BANK 'S PERSONAL CHECKING ACCOUNT!!!!!!!!!!!!. NEEDLESS TO SAY, AFTER YOUR SO-CALLED, J. P. MORGAN CHASE BANK HAD REALIZED, THAT I AM A PROUD PRACTICING XXXX, THEY ALL HAD DECIDED TO TOTALLY ILLEGALY AND TOTALLY UNLAWFULLY AND TOTALLY RACISTLY AND TOTALLY MALICIOUSLY, AND ECETERA, TO IMMEDIATELY CLOSED MY J. P. MORGAN CHASE BANK PERSONAL CHECKING ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Debt collection (Other debt) with ERC (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: After being denied an auto loan, I checked my credit, I noticed there was a collection account from Enhanced Recovery Solutions ( ERC ). I contacted ERC and was informed that a letter was sent to me in   XXXX   XXXX  . They place this debt on my credit report on XX/XX/XXXX . They acknowledged that the first initial letter from them was sent to me MONTHS after it was placed on my credit report.
The requirement is that once a debt collector has initiated collection on a debt, they are required to send a formal collection ( " dunning '' ) notice within 5 days thereafter.
Reporting to a CRA is an act that triggers requirement for timely dunning notice.
If the failed to comply, then they are in violation of their debt collection practices obligations under FDCPA 809 ( a ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Receiving unwanted marketing/advertising

Complaint: Experian Credit reports state XXXX score is based partially on the number of inquiries. Experian report shows multiple entrances of an inquiry by THE SAME BANK, ON THE SAME EXACT DAY thereby increasing the inquiries exponentially while decreasing my XXXX score for a none existent reason. Ex : XXXX XXXX ( XXXX times ) XXXX XXXX ( XXXX times ) XXXX XXXX ( XXXX mos in row? ) Experian XXXX ( why show your own inquiry ) Out of XXXX inquiries there were only XXXX I was responsible for. Why are there XXXX inquiries I had no control over. How can I stop future inquiries that are not requested nor required?

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