milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-01-2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (GA).
Issue: Application, originator, mortgage broker

Complaint: My wife and I applied to refinance our mortgage with the lender that had the mortgage. We were conditionally approved with an interest rate on a 15 year mortgage. We submitted documents as requested. It took a lot of time from the lender to process the documents. As a result of slow response from lender, the lender requested additional documents which required additional time and effort to produce that did not reveal any negative information. The straw that broke the camel 's back, after several months, was the lender requesting tax returns for separate entities that we did not receive compensation from. Since our annual income was consistence and 80 % of the amount of the loan request, I refused to produce the tax returns because the entities were listed in the XXXX schedules of our personal tax returns. I believe that we were discriminated due to age since all of our income is retirement income.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
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 XXXX sent me a letter this past week stating they reviewed my account that I was disputing a late payment that was reporting on my credit report for XX/XX/XXXX. The letter states that they will fix it with the credit reporting agencys to update my credit reports and put this account as accounts that are satisfactory with no late payments. I wish to note I have 2 XXXX XXXX credit cards. I am disputing the account that was opened in XX/XX/XXXX with a {$500.00} credit limit not my other XXXX XXXX account. I received my XXXX  credit report today and the 30 day late payment is still reporting it was supposed to be removed according to the letter from XXXX 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 04/20/2016 about Mortgage (Conventional fixed mortgage) with ATLANTIC BAY MORTGAGE GROUP LLC (MD).
Issue: Application, originator, mortgage broker

Complaint: I have been looking for a house in XXXX XXXX S.C. and I was calling realtors requesting to see properties. All of them told me I needed to be approved by one of there lenders. I already had a lender but they pushed and pushed. The realtor I worked with showed me a copy of the mls listing and it stated specifically that I had to get pre-approved with there lender. Sounds like steering to me. here are some XXXX # 's that I saw that seemed to be inappropriate are # XXXX # XXXX # XXXX # XXXX # XXXX. I felt uncomfortable being pushed by the selling agent to use " there mortgage person ''

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Payday loan, title loan, or personal loan (Installment loan) with SOUTHERN MANAGEMENT CORP. (OK).
Issue: Struggling to pay your loan

Complaint: I have had difficulty paying my bill in the last month or so. Every time I call to make an arrangement, I am talked to in a very awful way, and they threaten to take my things, and to report to the police that I have n't made my payment. I have previously always paid on time, and I 'm having difficulty making the payment, and I 'm not sure when I will be able to resume payments. I understand that I need to make my payment, but the company needs to be able to speak to me in a non threatening way, and try to make an arrangement with me. I owe {$640.00}.

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 11-12-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Settlement process and costs

Complaint: We took a mortgage from NationStar Mortgage LLC three years ago. We have maintained a perfect record of payments ever since. 
We received a check for {$250.00} last month for " Refund of items overcharged at closing. ". 
How can a mortgage company force us to give them a three year loan without paying any interest?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2015 about Bank account or service (Checking account) with BB&T CORPORATION (VA).
Issue: Problems caused by my funds being low

Complaint: I have reason to believe my bank is structuring my transactions in a way that generates maximum overdraft fees. In the past three months, on at least XXXX occasions, I have been hit with as many as XXXX overdraft fees on transactions that could have been covered if the bank ordered them smallest-to-largest, or even if they took place in chronological order. The bank now wants me to switch to a savings account that would refuse to honor the purchases XXXX but which would mean I 'd receive fees from the company I was attempting to pay ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (WA).
Issue: Other transaction problem

Complaint: The cryptocurrency distribution company, Coinbase.com, double charged me for a single payment. I purchased a virtual currency with them on XX/XX/XXXX for {$300.00}, which worked as expected. However, I just looked to see another charge was made on XX/XX/XXXX for another {$300.00} despite me not initiating or authorizing it. There are no fees listed for using their service other than the relatively small transaction fees included in each payment. I have been trying to get a hold of them but they're support team is inadequately staffed.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2017 about Debt collection (Credit card debt) with ERC (IA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a charge off for XXXX XXXX / XXXX XXXX for {$160.00} on my XXXX XXXX card it went to collections agency XXXX XXXX back in XX/XX/XXXXand then it went a third party collector in XX/XX/XXXX. I have paid over the amount owed between the 2 collection agency and XXXX is still stating I owe over $ 74.My bank accounts show payments made XX/XX/XXXX XXXX XXXX XXXX {$50.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX {$35.00} XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX {$32.00} XXXX XXXX XXXX XX/XX/XXXX ERC {$30.00} XXXX XXXX XXXX  XX/XX/XXXX ERC {$30.00} XXXX XXXX XXXX  XX/XX/XXXXeE ERC {$33.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX {$25.00} XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX {$25.00} XXXX XXXX XXXX XX/XX/XXXX ERC {$30.00} XXXX XXXX XXXX XX/XX/XXXX ERC {$30.00} XXXX XXXX XXXX XX/XX/XXXX ERC {$30.00} XXXX XXXX XXXX So I am not sure if the collection agency distributed the payments to the orginal creditor. I have well over paid the amount due back in XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (FL).
Issue: Deposits and withdrawals

Complaint: I had a checking account with TD Bank and was in a dispute with them over fees charged and told them I was going to open an account at another bank which I have done. In the meantime my insurance company XXXX deposited {$410.00} into the TD account instead of into my new account. The amount deposited was {$410.00} on XX/XX/2016 by ACH transaction ( electronic deposit ). I no longer have an ATM card with TD bank as I no longer use this account. I went to TD Bank to get my {$410.00} out and they said this is a " credit only account '' which means deposits can be made but I cant take anything out. I asked why I can not take the money out since the money is mine and I broke my toe and need to pay the Doctor bills with this money. TD BANK customer service told me to come in and close out the account and they would not be able to give me the money since I owe {$560.00} on my account. I told them I do not owe them anything and they are not correct as I dispute those fees and will continue to dispute them. They are blackmailing me saying the {$410.00} will sit in my account until I come in and close out my account but I told them I am not going to do that unless they remove the excessive fees they charged me which I am in dispute of. TD Bank told me NO. XXXX said they can not take the money out of the TD Bank account even though it was an honest mistake on XXXX part, I would like the {$410.00} balance mailed to my home address. The bank can not hold this money from what my Attorney has said. ( I asked for a free consultation with my Lawyer ). He told me they are illegally holding these funds since nothing showing due on this account and there is a credit of {$410.00}. if TD Bank does not mail me this money asap I am getting an Attorney involved in this!

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-10-2017 about Debt collection (I do not know) with CFM Group LLC (VA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XX/XX/2016 I was contacted by - - of CFM Group of - GA regarding a balance of {$610.00} debt from - Global payments - about a credit card Merchand that I owe. with a business that is now closed., with XXXX - never contacted me in regards to of closing my account waited a couple of years supposed debt to CFM claiming I owe. One minutes because I closes my account one minute that I suppose return credit card machine which I do n't have Not once did I receive a notification by mail ... I call payanywhere they told me what I own is XXXX I need help

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Student loan (Non-federal student loan) with SLM CORPORATION (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: In XXXX, a Sallie Mae advisor advised me, that Sallie Mae loans came with income driven repayment plans. Due to this verbal quote, I decided to use Sallie Mae, in addition to my federal loans, for XXXX. Apparently, during this time, Sallie Mae was associated with XXXX ... I 'm sure you know where this is going. 
Once I graduated in XXXX XXXX, I was applying to between XXXX jobs daily. I was turning up short. In order to stay afloat, I was XXXX but after paying for living expenses, I was tapped out. Six months after graduation, Sallie Mae reached out to me to pay up. I was able to " forebear '' the loan for a couple of months, but the way it was explained to me was that it was deferred. I had deferred my federal loans, due to my low income, so the way that the forbearance was explained ; it seemed almost exactly the same. 
Several months went by, I think it was XXXX or XXXX XXXX when Sallie Mae reached back out to me, and insisted that I start paying the XXXX dollar a month loans. I just did n't have it ; honestly, I did n't have it until XXXX XXXX. I fought with Sallie Mae to get the income driven repayment plan that was verbally quoted to me in the beginning of my start in college. Apparently, this did n't exist. It took several months of fighting with Sallie Mae to get the minimum amount due down to a doable amount. I had confided in my parents to help with the loans, and when my mother had agreed to help me pay back this loan, Sallie Mae would n't take her checking account, because it was n't in my name. It was already hard enough, asking my low income XXXX mother for help, and then when she agreed, they would n't take her information!! Because of this, my mother and I had to go and open a joint checking account, just to please Sallie Mae. Since this all happened, we 've consistently been paying the monthly payments and the account is current. 
During the negotiating time with Sallie Mae, they reported to the Credit Reporting agencies that my account was delinquent and this has drastically affected my credit score. My credit was fantastic and I always paid my bills on time. I knew that I would n't be able to pay the amount that Sallie Mae had been forcing me to pay up at that time, that 's why I had tried negotiating, which actually did work, the monthly payment was lowered. 
When I reached out to Sallie Mae credit dispute department a month or so ago, I basically said in the letter, that the marks on my credit were due to both my non-payment, but also their misrepresenting themselves to young and naive college students. These marks on my credit are based off of lies, which is fraud, a criminal offense. All I ask is for the marks to be removed, I 'm not threatening legal action at this time, but if necessary, I will.

Company public response: Company disputes the facts presented in the complaint
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. (MN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I am affected by the Equifax security breach. There is potential that my SSN, DOB, full address, and DL number have been stolen. 

I was not notified by Equifax about this security breach. I found out about the security breach today, XXXX XXXX, 2017, via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Ca n't get my annual free report from Experian online. Gives bogus response that it ca n't pull file for security, this is a lie, since the other credit bureaus can. They just want me to sign up for their own overprice {$20.00} a month service. They have done this continuously year after year and I am sick of it that they are premiered to get away with it. I am not going to send them anything additional in the mail when XXXX and XXXX can give my report right away with no 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 non-monetary relief
Consumer complaint received 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have tried on several occasions to repair my credit and to clear up the matters at hand, but they keep reappearing. I have disbuted the allegations on several occasions. The company keeps selling my credit files which is against the law. Some the things that were there I have already paid. But they still reappear. It does sound like to me I need to take these people to court. Also the medical bills that are there have already been paid by XXXX or should have been. Please help me clear up this matter before I have to hire an attorney.

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 03/22/2017 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Application, originator, mortgage broker

Complaint: Bank of America 's representatives I have dealt with so far tried not to be professional, therefore I am demanding to get in touch with a senior officer of the organization, please.

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 10/28/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been a victim of identity theft since 2014, my social security has been misused on several occasions which has been disputed for quite some time now, about 2 years, I filled a police report with City of XXXX XXXX and also I am employed with XXXX whom also issued a condolence letter offering support and free credit monitoring with all clear due to a breach with several employers social security number being misused, I have been a victim of fraud for several years and yet the disputed items that I have been disputing for several years which I refuse to pay because they are not my accounts remain on my report, I would like a response on this matter which has been affecting my credit report and score, I have just found out about this information which I am filing a report for immediate response, there are also several inquiries that have been disputed that does not belong to me and I never gave authorization to run my credit, this has affected my life tremendously and an investigation should be open immediately on this matter. If additional information is needed or proof of reports from the police department and homeland security please advise.. sincerely XXXX XXXX XXXX , supported documents uploaded

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: trying to remove these accounts  XXXX , from  XXXX ,  XXXX , and Experian.

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 11/21/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (PA).
Issue: Loan modification,collection,foreclosure

Complaint: We started with XXXX, sold to XXXX. Went thru a trial modification with XXXX and were told we we APPROVED FOR PERMANENT MODIFICATION, never received papers and then told " sorry, miscommunication, you 're not approved ''! Started MHA program application and XXXX sold loan to Select Portfolio. Have submitted docs to SPS thru HUD agency but SPS always says they never got them. HUD agency never got an answer from them so now they serve foreclosure notice. Sent SPS QWR but they send one doc and that 's it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2016 about Consumer Loan (Vehicle lease) with AMERICAN HONDA FINANCE CORP (VA).
Issue: Managing the loan or lease

Complaint: I received a call on XXXX/XXXX/2016 at XXXX indicating my payment was past due. Upon speaking with my credit union which traced my account we found thay the Honda financial system had been hacked and my name had been replaced with XXXX XXXX. I have no way of contacting Honda quickly other than by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have concerns that my credit information is inaccurate and/or erroneous.I have official disputes on my credit file but my credit score remains in a adverse zone. I 'm seldom tardy with payments and am in good standing with all creditors.This whole system credit reporting system is nebulous at best and truly adversarial, invidious and punitive.Also, the imbroglio germane to the Equifax breach stings as well. Perhaps formal litigation is necessary to ameliorate and/or rectify the inequities in the credit reporting procedures and terminate their comfort level. The status quo is an abject failure.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TCF NATIONAL BANK (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: To whom it may concern on XX/XX/1017 we purchased a XXXX XXXX from XXXX XXXX in XXXX ny our loan is with XXXX XXXX XXXX who has been a great place to do business with my complaint is not with them but it is with the dealer and all of the lenders who ran my wifes and my credit, we were under the assumption that the dealer ran our credit and submitted it to the lenders,1time, instead they submitted the application to them and they all ran the report I have spoke to the lenders to try to get them resolved and taken off our reports, they either refused or said they cant they put them on they can take them off, my wife and I now are going to try to purchase a home and all of these inquires are on the reports lowering our scores could you please HELP US

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/15/2017 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: Public record information inaccurate

Complaint: XXXX XXXX XXXX company is still reporting on my credit report that the mortgage was included in bankruptcy in XX/XX/XXXX. However I sold the home in XX/XX/XXXX and the loan was paid in full. I have a paid off letter from XXXX XXXX XXXX however XXXX XXXX XXXX is refusing to update my credit report. I continued to lay the mortgage and the loan was paid in full.

Company response to consumer: Closed with explanation