milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-03-2017 about Consumer Loan (Vehicle loan) with SECURITY FINANCE CORP (AL).
Issue: Managing the loan or lease

Complaint: After my divorce my credit is bad. I bought a truck with XXXX down. Total was XXXX bought on XX/XX/2017. My first payment was due on XX/XX/2017. I called Saturday XX/XX/2017 to pay off the truck. My statement shows XXXX they were closed my husband called today XX/XX/2017 and payoff is XXXX he talked to a couple different people. We just want to pay off the truck with the amount on our bill

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 10/19/2015 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: This is a call for help from XXXX XXXX US Veterans who were scammed by XXXX banks : SunTrust and XXXX XXXX. 
XX/XX/XXXX we closed on an {$800000.00} thirty year home loan at 5.8 % interest only for ten years. Monthly payments $ XXXXDuring year eight we called SunTrust to explore what alternatives we might expect to have at the end of year ten. We had a perfect payment history on this loan. We wanted to talk about converting our loan to a principle and interest loan through a simple modification or refinance at this time since mortgage rates were at historically low. 
We were advised by SunTrust that they want to help us but could not talk to us about a loan modification unless we were delinquent and the loan was in default. 
The SunTrust agents advised us multiple times to stop making payments so they could help us. We finally relinquished and SunTrust put us in their Loan Modification ProgramThus began a fourteen month nightmare of delays, harassment, lies and deceit. What a joke. Files could get frequently misplaced or 'lost ' many times. This eventually led to a 'modification ' in name only. It added {$75000.00} to principle plus an increase to monthly payments. Sort of an " extend and pretend '' program designed to move the homeowner toward foreclosure. They also ruined our credit. 
Lastly, we were threatened with foreclosure if we did not accept the modification. 
Monthly Interest Payments now are $ XXXXSurprise, XXXX XXXX appears as owner disclosed for the first time in the new documents. Though SunTrust said XXXX XXXX called all the shots, we were forbidden to contact XXXX XXXX about the new loan. 
Not wanting to lose our home, we were forced into the " modification '' agreement. We feel we were purposely led astray by both XXXX XXXX and SunTrust to gain control of our home by nefarious means. 
SunTrust has informed us that our new " Modified '' Home loan will go up to {$8800.00} a month XX/XX/XXXX. 
Thanks to the way we were misled into a " loan modification '' by SunTrust and XXXX XXXX it has damaged our credit and put us in a position where it is difficult and or impossible for us to qualify for loan with a new lender. 
We have tried for a VA refinance loan but were told due to the " Modification Loan " and our lower credit numbers brought on by the non- payments on our old mortgage we are ineligible for a loan. 
We are requesting that the loan be rolled back to its original terms ( balance, etc. ) and our credit derogatory comments be removed. 
We are happy to consider some modification program that they have as long as it is fair and clear. We have heard XXXX XXXX has a program as low as 3 %. We will then be able to afford and stay in our home. 
This will provide XXXX XXXX with borrowers with a long history of on time mortgage payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Credit card or prepaid card (Gift card) with INCOMM HOLDINGS INC. (NY).
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint: My XXXX XXXX gift card was lost or stolen and I called XXXX XXXX / Incomm and verified my information and was finally told I'd receive a replacement card on the XXXX within 8-14 business days. 

It never arrived so I call again on the XXXX and another replacement card is said to be placed. 

It's now XX/XX/XXXX and I've called once more and I've never received a card. 

I've never heard of such incompetence - who can't mail a simple card? I've verified my information and address over and over and over and spoken to reps ad nauseum.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with QUICKEN LOANS, INC. (OH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XX/XX/XXXX I called quicken loans to ask questions about their home loan requirements and interest rates. When I called I had my credit report information already pulled from my credit karma account. I specifically told the man I spoke with that I already had my credit score and did not want a hard inquiry on my credit. I told him I just wanted to know what credit score you had to have for them to give a loan. He told me that he would have to pull my credit. I told him I knew my credit score and did not want him to put a hard inquiry on my credit report. Today, XX/XX/XXXX, I pulled my XXXX XXXX account up and seen that my credit score dropped almost 20 points. The reason was a hard inquiry from quicken loans. This is really going to XXXX me. My score was already low because I have n't had or used any credit in several years and the house I rent is being sold. I need to be able to find a home I can afford and get financed for in a very short period of time ( two months ) and this XXXX just made my credit too low to get financing. By the time this gets corrected, if it even does, It 's going to be too late. So now I 'll have to start looking for somewhere to rent, which is not fair. I only make {$20000.00} a year so it 's going to be hard enough to get a loan without other people making it harder. The phone # I called is ( XXXX ) XXXX, I got it off of their website.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Back in XXXX, XXXX, I became a victim of identity theft, My information was used to enroll in a Online college, XXXX University. My personal information was used without my consent. I did n't give anyone the autorization to use my social security number an birthday to take out money for student loans.. The person, that use my social security number and birthday, used a boguish name also. Also, at the partically time the loans was taking out, i didnt have a high school diploma nor a XXXX. I want want this problem to be disputed an to be dissolved, because, it is affecting my credit score. I am being harrassed by collection agency and my wages has been threaten to be garnish. I cant even attend school to better my life because of the student loans being in default. I have tried to work this matter out with the Dept of education, i have sent in all the documents they asked me to. the denied me, saying i am respsonible to pay the money back. I dont think its fair, that i have to pay money back that i have never seen nor touched.

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 04/13/2016 about Bank account or service (Savings account) with JPMORGAN CHASE & CO. (LA).
Issue: Using a debit or ATM card

Complaint: I had ordered a replacement debit/atm card for my savings account but never received it so I went into a branch to order XXXX because I was told when I visited the bank in XXXX of 2015 that it was never ordered. I was then told that the temporary card would be destroyed & I asked if I could take some money out XXXX & was told sure. I went to the atm & it said XXXX balance I was like how is that & told the banker I was talking to, she pulled up the transactions deposit on XXXX then a {$100.00} withdrawal on the same day of the deposit & then another XXXX transaction XXXX but the XXXX is the day I went to the bank & realized the unauthorized withdrawals. The banker reported the issue & I was given a temporary credit for the unauthorized withdrawals. Today XXXX I received a secure message saying that the credit is being reversed. How is that when I did n't make the withdrawals plus it was done from the Chase branch atm location that I made the deposit so I need to see the proof they claim to have to reverse my credit. I had absolutely no reason to take {$200.00} from my account when I had just deposited it & had also took out {$300.00} from another account to have money on hand & still had over {$300.00} in that account when taking the {$200.00} from the {$300.00} I withdrew to put in my Chase savings account! I had over a {$1000.00} deposited into my checking account with another bank on the XXXX, took out {$300.00} to make the {$200.00} deposit into my savings on the XXXX & days later still had over {$300.00} in my other account with more than {$900.00} being direct deposited into my other account on the XXXX of XXXX! I had absolutely no reason to touch my savings account especially after making the deposit & keeping a {$100.00} of the {$300.00} I withdrew & certainly not on the same day of the deposit! This was fraud due to skimming & Chase needs to find out who did this to me & stop trying to blame me for something I clearly did not do!

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/26/2016 about Credit reporting () with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian is not responding to my requests to investigate and remove accounts that do not belong to me from my credit 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 02-01-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Ability Recovery Services, LLC (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Opened collection XX/XX/2013 when I was XXXX about a gym membership that was in my mothers name not mine. Have never once sent me any information but is on my credit score. Have looked at reviews on this collection and reviews say it 's fraud all asking for the same amount of {$310.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have contacted XXXX XXXX XXXX, XXXX with 2 written letters on Validation of debt in regards to a notice they sent on XX/XX/XXXX stating this communication is an attempt to collect a debt. 
Amount of {$2500.00} and {$2100.00}. 
Then continued to no Validate the debt and send replies without any contract verifying that I have a signed contract with them. On all harrising communication dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, it specifically states on their letter head on the bottom in bold : This communication is from a debt collector but is not an attempt to collect a debt.  These accounts are listed on my credit reports as collections.

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 06-09-2016 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I noticed on my credit file that I had some incorrect information being reported on an account. I called the account and verified with them and they validated that the information was incorrect. I submitted a dispute with Equifax and they sent me back the dispute and confirmed there was no historical data for the account and it has been updated. However, the account still shows the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Debt collection (Medical) with Healthcare Collections-I, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I have repeatedly disputed items and I show XXXX open collections with a XXXX balance that should be closed because they are not collectible included in bankruptcy.

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 08/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: On XXXX/XXXX/XXXX, I had a payment due for my credit card balance. I made the payment on the due date at around XXXX XXXX XXXX XXXX. As I was processing my payment online, I read a line that said my payment will not be posted until XXXX/XXXX/XXXX, therefore forcing me to be late. I immediately called Capitol One, spoke to an agent who said that I would be charged a late fee, and that she could not reverse that charge until it posts to my account, the next day. She instructed me to call back. I called back on XXXX/XXXX/XXXX @ XXXX ( et ). I spoke to XXXX in the customer service team, who said neither him or his supervisor had the authority to waive the {$25.00} late fee. I was transferred to a senior Account supervisor by the name of XXXX, ID # XXXX. XXXX stated that the computer did not give her the 'opportunity ' to waive the fee. I asked why, XXXX stated it just did n't give her the 'opportunity '. I then asked, under what circumstance or on what basis does the system not allow the 'opportunity ', as she called it, she gave no answer but continued to say 'it just does n't give me the opportunity '. She failed on several occasions to answer the question informatively to a consumer. I asked for a direct answer and she just refused due to her lack of knowledge on the matter. I informed her I was instructed from a representative on XXXX/XXXX/XXXX to call back and get the late fee waived of {$25.00}. XXXX gave no such concern nor emphasized with me as she robotically continued to say she could n't do anything for me in regards to waiving the late fee because the system did not allow her the 'opportunity '. I expressed my frustration and discontent with her and the company 's handling. I then politely asked for a XXXX, she refused to transfer or even provide a name or extension. Nearly 10 minutes in, she finally gave the name of a man named XXXX, ID # XXXX. then, told me that he would not help me. I again stressed to her what a former employee told me on XXXX/XXXX/XXXX. She cared none to seek proper resolution as to what I was promised by their company. The fact that capital one 'FORCES ' card holders to be late based upon a submission time of payment is outrageous. I was nearly an hour past a time, but still paid on my due date! I been with the company for a couple years now and expressed how I was looking for a one time waiver of a late fee. The company failed to enforce their prior verbal promise to me as a long time cardholder. I feel as though their representatives were resistant every step of the way to make right what was told to me, though they seen notes in my account of the same version of events I told them took place on XXXX/XXXX/XXXX. They were unsympathetic to the fact and as a long time customer, I find it disheartening. Should there be no amicable resolution from Capital One, I will look into cancelling my card soon.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Credit reporting () with Experian Information Solutions Inc. (SD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: See the attachment of all the FCRA violations by this company, XXXX. I verified through a phone call this morning ( XXXX/XXXX/15 at XXXX XXXX XXXX that our account is and has not been past due yet they are reporting it as such. They are also reporting 2 times which is double the negative impact on my credit. They are reporting the account as CLOSED but it 's an active open mortgage? I hope you can look into the practices being observed by this company and help them to understand what the rules are.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-01-2017 about Debt collection (Other debt) with ERC (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XXXX XXXX XXXX I discovered Enhanced Recovery Corp ( XXXX XXXX ) had been re-inserted into my credit file. I 'm aware that the credit bureaus are required to notify me within five ( 5 ) days of re-inserting a previously deleted item, I did not receive any such notification. This item should be delete immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Debt collection (Credit card debt) with Alliance Data Card Services (AL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX calls from an " Unknown '' number. Have answered multiple times and they are calling from XXXX XXXX on behalf of XXXX XXXX XXXX. I have asked them to send me an invoice regarding my past due account because I didn't feel comfortable giving them my banking account information over the phone, and told them to stop calling me because I promise I will pay, even if it is later and I continue to get charged late fees. They still repeatedly call, twice a day or more, everyday.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Mortgage (FHA mortgage) with WYNDHAM CAPITAL MORTGAGE, INC. (CA).
Issue: Application, originator, mortgage broker

Complaint: I began the process of refinancing my home with Wyndham Capital on XX/XX/2016 in order to pay of the first mortgage and a HELOC balloon payment that was due on XX/XX/2016. The loan specialist from Wyndham promised me that they could get me an FHA loan and that it would close in 28 days. Over the next three months they asked me for the same documents repeatedly, kept submitting the same request forms to the IRS for tax transcripts from my mother, and missed critical deadlines in order to close the loan. They missed the due date for the HELOC, missed the grace period, and in short never closed the loan. Because of this I no longer could get an FHA loan so one of their representatives tried to get the loan servicer ( XXXX ) to report that I had made the XXXX and XXXX payments so it would show XXXX on time payments and not report as late, but of course, XXXX could not do that since it would be a fraudulent statement. Finally in XXXX Wyndham sent me an email saying that they could not move forward with the mortgage since my credit showed late payments. They are the reason that the loan was late. This has ruined my credit rating and refuse to help me.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On   XXXX   2016.   XXXX   XXXX   XXXX   repossessed my   XXXX   XXXX  . I spoke with the company about making arrangements to get the vehicle back. Never heard anything back from the company. After checking my credit report a few months later, I noticed that they are reporting an inaccurate or different amount as the high balance on my report. After calling and speaking with a representative, I was informed that the vehicle was sold and the amount listed is different from what they notified me of. The representative even stated that she can understand why I am confused because she is seeing three different amounts that they had given me. According to NC law,   XXXX   XXXX   was suppose to notify me at least 5 days prior to the sale of the vehicle in writing and also after the sale of the vehicle to notify me of the amount the vehicle was sold. I never received any correspondence in this regard from this company.   XXXX   XXXX   has violated my consumer rights and continue to list inaccuracies on my credit report without providing any validation of the debt to me as the consumer.

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 04/28/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Trouble during payment process

Complaint: Under the Home Affordable Modification  Program ( HAMP ), th ere is the Pay For Performance program, and then the Recast Re-Amortization program which, on the sixth anniversary of your HAMP modification, reduces your mortgage principal by {$5000.00}, AND lowers your monthly payment because of the lower principal.     Bank of America did lower my principal by {$5000.00}.     But, Bank of America has NOT lowered my monthly payment, per the term s of the Recast Letter Agreement. They claim mail d elays for the new paperwork, and then now claim technical difficulties.     So my  XXXX   XXXX ,    2017  mortgage payment amount is incorrect, but I was told to make it anyway, or be considered late. No date has been provided to me for the fix of the problem.

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 06-08-2017 about Debt collection (Other debt) with Conn's, Inc. (OK).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I HAVE REC EIVED 15 CA LLS SINCE MONDA Y (   XX/XX/17    ) FR OM CONN 'S  THEY ARE CALLING FROM  XXXX  THEY HAVE ALSO CALLED MY EMPLOYER AFTER I ADVISED TO NOT CAL L MY POE B ECAUS E I CAN GET IN TROUBLE, THEY CLAIM THAT MY POE NUMBER WAS REMOVED HOWEVER I JUST RECEIVED A NOTE FROM A CO-WORKER ADVISING THAT CONN 'S CALLED FOR ME, I CALLED CONN 'S AND THEY C ALLED ME  XXXX  A DVISED THAT I AM NOT  XXXX  AND ADVISED THEM THAT ONCE AGAIN I AM ASKING THEM TO  NOT CALL MY EMPLOYER AND TO CALL MY CELL PHONE INSTEAD ALSO ADVISED THE REP THAT THEY HAVE  MADE 15  CALLS TO ME SINCE MOND AY (   XX/XX/17    ) WHICH IS UNACCEPTABLE, AND CONSIDERED HARRASSMENT, THEY HAVE PUSHED ME TO THE POINT THAT I DO NOT EVEN WANT THEM TO CONTACT ME

Company response to consumer: Closed with non-monetary relief