milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-12-2017 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Credit decision / Underwriting

Complaint: On XX/XX/XXXX, I contacted XXXX XXXX at Bank of America to apply for a Home Equity Line of Credit. I currently have a Home Equity Line of Credit with Bank of America for $ XXXX. The draw period expires XX/XX/XXXX. The available credit on the line is $ XXXX. XXXX told me my rate would be prime plus .XXXX and my house should appraise around $ XXXX, so I could receive 70 % of the home value. 
A couple of weeks later, I was contacted by XXXX XXXX. Issue 1 : XXXX stated my rate would be prime plus .230 % and could not provide any explanation for the difference in rate. Issue 2 : XXXX stated my house appraised at $ XXXX. I was later told by XXXX XXXX my home appraised at $ XXXX. During my last conversation with XXXX, I was told that she needed more information on the current lien against the property of $ XXXX. I provided her with the information to contact the XXXX XXXX XXXX, XXXX XXXX, and directly asked her if this was going to be an issue and if I needed to pay the lien off so we could proceed. She stated she needed to talk to the lien holder first and she would call me back. Issue 3 : This lien has been on my home since XX/XX/XXXX. This lien was on the home when I was approved for the initial LOC approximately nine years ago. Issue 4 : XXXX never returned my phone call. Instead On XX/XX/XXXX, someone else called to say that my application had been denied. Issue 5 : Per my conversation with XXXX XXXX, XXXX never called him to see if the City of XXXX would take a second position. 
On XX/XX/XXXX, I reached out to XXXX manager XXXX XXXX. XXXX stated that all I needed to do was submit a copy of the recorded lien release and XXXX statement showing where the funds came from to pay off the lien. Per my request, he sent an email stating the same thing. 
On XX/XX/XXXX, I provided both documents to XXXX. Issue 6 : I received a phone call from XXXX stating it is now a requirement that I have a full home walk through. I specifically asked XXXX on XX/XX/XXXX, if there were any additional requirements, he said no. During my call with XXXX on XX/XX/XXXX, I was told that this appraisal was good for 90 days. I specifically asked about this because I did n't want to pay the $ XXXX and not be approved for the loan. During the call on XX/XX/XXXX, XXXX went on to provide the appraisal amount. He also stated the appraisal had been completed and I would be approved for my original amount of $ XXXX because the appraisal came back higher than $ XXXX. I have a copy of the appraisal that was done on my home dated XX/XX/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 01-05-2018 about Debt collection (Other debt) with Harris & Harris, Ltd. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: The collection agency Harris based in XXXX claims that I have an outstanding balance of XXXX dollars to XXXX XXXX XXXX. I called XXXX XXXX XXXX and there is no balance on my account. I had paid the amount in XXXX  2017

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Mortgage (Other mortgage) with Caliber Home Loans, Inc. (TX).
Issue: Settlement process and costs

Complaint: CFPB -- This pertains to new management as of XXXX/XXXX/2016 at CALIBER HOME LOANS in XXXX, TX at the Consumer Direct department. These are the various issues which should be investigated : 1. Change in pay structure for Loan Consultants ( LCs ) where they are NOT paid on loans closing. The LC 's name is listed on the loan but is not compensated. 
2. With the name of the LC on the loan, they are cut-off from the back end of the loan process where the LC is technically still liable for anything that might go wrong. 
3. This new management would allow for a Pricing Exception ( PE ) for the new hires they brought on board and for a family-related co-worker in XXXX XXXX. However the same level of PE was not made available to other co-workers who had been with Caliber Home Loans for a longer period of time prior to the start date of new management. 
4. This new management would hire on their own new contacts almost all under the age of XXXX and almost all Male ; conversely new management would disincentivize and push-out the older LCs who have been employed there for a long period of time. This is widely viewed as an act of nepotism along with age and gender discrimination. 
5. ***This new management terminated a Manager in XXXX XXXX on XXXX/XXXX/2016 without sufficient justification. This manager as a result was put on Administrative leave still accepting pay for an extended period of time since there was not just cause after further review with HR. 
6. ***This new management would also terminate long-standing Loan Consultants in XXXX XXXX prior to year-end 2016 who have a strong historical record of performance over a period of years at Caliber Home Loans.

Company response to consumer: Closed
Consumer complaint received 09/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (VA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I applied for a Citi/AAdvantage Platinum Select XXXX 

The advertised promotion was that I would get XXXX XXXX XXXX Flyer points if I would spend {$3000.00} within Three months on the card.
I called the company and told them that I had another older Citi Card, and asked if that would invalidate the promotion on the new card. They said that it would not. They said that each card was a separate account, and the promotion on the new card was separate from any old card. I was assured that the promotion on the new card was valid. 

I called Citi on XXXX XXXX, 2017 and was told that since I had a previous Citi Card, the promotion was not valid, and I would not receive any AA flyer points, even though I had spent the {$3000.00}. I felt cheated, and immediately canceled the new card, not wanting to do any business with a company that treated customers so badly. 

I believe that I am entitled to the XXXX points, since an employer of the company, in a telephone conversation, said I was.

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 10/24/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Trouble during payment process

Complaint: I called to have my PMI removed. I fully understand what PMI is and the requirements for removal. There have been 2 homes sold in the past couple months that place my home value high enough to have my PMI removed. When I asked to start the process, they told me documents have to be mailed. I asked for them to be emailed, they would not. The reason for this complaint is simple, removing PMI should not be complicated etc. Wells Fargo needs to do all they can to ensure it is easy to have PMI removed when the requirements are met

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 03/29/2017 about Debt collection (I do not know) with Hunter Warfield, Inc. (NM).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Hunter Warfield has continued to contact me regarding a debt with " XXXX '' for which I have never been a part of. In addition, they have been sent a debt validation letter from XXXX after placing an account on my credit and have yet to get a response, although the collection attempts continue. The account shows payments made on it however I have never paid the company a dime. This is not my debt. I receive upwards of 3 calls a day to my cellphone and have started to get calls at a previous employers office for which I never gave the number out. On my credit report, it shows I am disputing the debt however, they continue to contact me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: my complaint is regarding few late payments that credit bureau agencies are reporting, on few of my credit cards, which i have never been late, i have mentioned that it ought to be a banking error or a mistake through creditors end, but absolutely not my mistake. please help me to proof this absolute inaccuracy to them. they need remove this inaccurate delinquencies from my credit reporting agencies, such as experian, XXXX and 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 07/18/2016 about Consumer Loan (Installment loan) with SOUTHERN MANAGEMENT CORP. (TN).
Issue: Taking out the loan or lease

Complaint: I received the attached advertisement in the mail. I did not solicit anyone for a loan. I called the number to stop receiving offers. The recording said they would need my 'Social Security Number '' in order to take my name permanently from their records. It is obvious that this is a scam to get people 's social security numbers. Additionally, the amount of interest equates to 92.52 % per year. I am pretty sure that is illegal. ( I have scratched out my info on the check so it can not be used )

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 04/25/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (TX).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: On  XXXX / XXXX /  XXXX   our current mortgage company Ditech Financial LLC violated the ACH terms and conditions we had agreed to by withdrawing  XXXX   XXXX   XXXX   XXXX    monthly mortgage payment on  XXXX / XXXX /  XXXX   INSTEAD OF  XXXX   XXXX  causing our financial bank account to overdraft and acquire a OVERDRAFT FEE of - {$30.00} on  XXXX / XXXX /  XXXX  . I immediately calle d Ditech and questione d them about this unauthorized transaction, terminated ACH service and demanded a refund of {$30.00} they asked me to provide a bank statement showing the transaction and so I did on  XXXX / XXXX /  XXXX  . And I have all receipts. On  XXXX / XXXX /  XXXX   I called  Ditech again to solve this issue I asked them to refund the {$30.00} they caused my bank to originate. The Ditech employee agreed and asked me if i wanted a check or a credit on our account i asked for a check and so she said it would be mailed to me in 15 days, after waiting and waiting I called Ditech  again and was told the same thing, but I did not received anything in the mail. As of  XXXX  this issue is still ongoing they are now refusing to refund me the - {$30.00} charge they caused my bank to charge me. Recently they even had the audacity to tell me that MY BANK PAID MY MORTGAGE ON  XXXX / XXXX /  XXXX  , my bank does not decide who and when to pay! Never heard of such thing. They took it out!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NY).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: This car was FRAUD ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/30/2015 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Credit determination

Complaint: I just called and spoke to a representative by the name of XXXX, ID # XXXX, and she confirmed that the document, which is my XXXX XXXX Bank statement, her department actually received it on XXXX XXXX, 2015. She did not understand how a supervisor or her other fellow employees that I 've spoke to over the past could not locate it. She was nice to clear all of the security issues. At that time, she informed me that her company, Barclay Bank were going to approve me for a {$2500.00} credit card. I explained to XXXX that I was originally approved for a {$4000.00} credit card. This is when she transferred me over to the credit card customer service department and I spoke to a rep by the name of XXXX. XXXX informed me that he could not issue me a credit card at this time because he felt like I had not enough credit when in actuality, I have over 6 years worth of credit showing on my credit report. 
It was just very frustrating to wait for almost 4 months for XXXX Bank 's security department to locate all of my personal information only to be transferred to this rep in the credit card department for him to tell me that I do n't qualify for any of their many credit cards. 
Why would the same credit card department originally approve me for a {$4000.00} credit card back in XXXX on to have told me on XXXX XXXX that I do n't qualify. 
I called the President 's office of Barclay Bank right now and tried to speak to XXXX, but he was on vacation and would n't be returning back to work not until Monday so the rep I was speaking to transferred me to the manager of the credit card department. 
XXXX, which is the manager in the credit department is re-reviewing my application again and she is claiming because I do n't have enough credit history. She informed me that her departments does not just look at the credit score, or the fact that I 've never been late on any of my student loans, or car note, or anything like that ; that was still not good enough for me to obtain a credit card through their company. 
I 've never heard of any bank state that they do n't go off of credit scores to determine eligibility for a credit card. 
I wanted to cancel my application on many occasions but I was told that I could not cancel because I was approved. I was told this by supervisors in the security department as well as reps in he security department. 
I really just do n't understand why I was sent through that long process only to be told that I did not get approved. 
This should have been told to me at the beginning. I would not have been wasting my time or theres!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/18/2017 about Debt collection (Other debt) with Credit Service, Inc (OK).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I moved out of the   XXXX   XXXX     XXXX   XXXX   XXXX      XXXX   XXXX  , Oklahoma on  XX/XX/XXXX . The Apartment manager had my Florida address as a point of contact when I moved out.   XXXX   XXXX   never made contact with me in an attempt collect an alleged debt for a dirty carpet and kitchen drip pans in the amount of {$87.00}. This alleged debt can not be considered " past due '' because I was never notified, and never given an opportunity to resolve this.
I was contacted by CSI   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX  , Ok.  XXXX  sometime in  XX/XX/XXXX . I disputed the alleged debt with CSI, and they placed a late payment/collection with  XXXX  and   XXXX    credit reports. I disputed the placement with  XXXX , and they deleted the entry. The matter remains in dispute with  XXXX .
CSI is acting in violation of the Fair Debt Collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I had several deferred loan modifications with XXXX XXXX XXXX. Between the years of XXXX and XXXX. During the loan modification months when they tell you not to make a payment, they also tell you after a decision is made that your mortgage account will start off fresh with no late fees. When I check my credit report it shows the deferred months as late payments. It also show as past history payment while the under writers are try to see what plan I qualify for. The statute of limitation for Texas is 3 or 4 years and its hard to raise my credit score. In XXXX I was one of the consumers who really could not afford a mortgage but was given a loan any way from XXXX loan and some time shortly my loan was transferred to XXXX XXXX. I knew there was a law suite with XXXX XXXX but I did not under stand why. Can someone please tell me where do I stand on this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-08-2017 about Debt collection (Medical debt) with EQUIFAX, INC. (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: All DEBTS PRIOR TO XXXX/XXXX/XXXX HAS BEEN DISCHARGED THRU MY CHAPTER XXXX BANKRUPCTY A CREDITOR NAMED ( XXXX XXXX XXXX XXXX ) IS REPORTING A COLLECTION WITH TOTAL OF XXXX WHICH SHOULD NOT HAVE BEEN ALLOWED TO APPEAR. THIS HAS BEEN PLACED ON CREDIT REPORT ILLEGALLY AS OF XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (GA).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: Out of my dismay, lately I received several pieces of letters from Citi - American Airlines AAdvantage Card ( like the one I attached ) telling me that I have a card with them. Obviously somebody has stolen my identity and opened a card in my name. Even worse, Citi let this happen without any unusual observations. My XXXX email account got hacked over the past few months and I noticed that I received several requests from Citi to activate the card that I did not apply and had never received. How did this happen?

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 08/17/2015 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Received a phone call and the lady ended up leaving a voicemail since I was working at the time. In the voice mail she identified herself and then immediately said she was from Navient. This was the first violation of fair debt collection practices act as I did n't request her to identify her employer, section XXXX item 1 ) ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer. She then goes on to say she 's trying to get in contact with my cousin or uncle, so this is their debt not mine. She then ask me to pass along a message to either one of them that Navient is trying to reach them. Not only is this harassing and abusive to ask me and my other family members to pass along a message but it is in clear violation of the fair debt collection act. In particular it is a violation of section XXXX item b " COMMUNICATION WITH THIRD PARTIES. Except as provided in section XXXX, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than a consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. '' By asking me to pass along a message they are communicating with me in the collection of the debt. 

Further as this was in a voicemail that was left and not during a conversation it leads me to believe that the message left was a script supplied to the lady that called from her employer Navient. Being that Navient is a large supplier of loans one would assume that they are in full knowledge of their violation and chose to ignore the Fair Debt Collections act

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 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: TRANSUNION, XXXX, XXXX ALL HAVE HAD THE PAPERS THAT SHOW ALL DEBT HAS BEEN PAID BUT IT IS STILL LISTED AS IN COLLECTIONS, IT SHOULD STATE THAT THE ACCOUNT HAS BEEN PAID IN FULL!

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 03/29/2018 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XX/XX/2018 Hurricane Irma hit Florida and Lenders offered the Natural Disaster Relief program where three months of car payments were deferred to the end of the loan. When I called Ally to inquire about this program in XX/XX/XXXX the representative stated that I did qualify and XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX payments did not need to be made as they would be moved to the end of the car loan and that my {$430.00} payments would resume in XX/XX/XXXX. Following this conversation and a couple weeks later I began getting phone calls stating I was late with car payments all the while this arrangement was documented. Then my credit score is negatively affected because it shows I am delinquent those 3 months which obviously was an arrangement through the National Disaster Relief Program. I have contacted ALLY multiple times since mid XX/XX/XXXX to clear these issues and it has not been taken care of.

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