milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-01-2017 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (FL).
Issue: Application, originator, mortgage broker

Complaint: We were going to get a loan through Freedom Mortgage, but after dealing with them and reading all the information from BBB and Consumer Financial Protection Bureau reviews we decided not to go with them.  After we told them no, the mortgage agent just kept going and it turned into a living nightmare for us.  The phone calls and emails became so crude and nasty we decided this was not for us.  We told them to stop the loan Saturday XX/XX/2017 in and email and the loan officer refused our request.  They continued to process the loan and connect us with closing on XX/XX/2017 through another email.  If you are considering these people run the other way, read every thing you can on them, protect yourself and your family home. They have so many complaints against them and call the BBB, Consumer Financial Protection Bureau, and read their reviews and findings.  Don't take my word take theirs. Threatening us if we file a complaint, they will sue.  Don't threaten me!  Last time I checked this is a freedom of speech country and we are entitle to our opinions, especially if it is to protect others.

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 09-01-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (ID).
Issue: Advertising and marketing

Complaint: I applied to a captial one XXXX card. On the application website ( http : //www.capitalone.com/credit-cards/quicksilver/ ) it clearly stated that it 's a XXXX signature card. When I got the card it turned out to be a XXXX platinum card. I called capital one asking why, and I got the answer that not all capital one comes with XXXX signature. I could n't find this information anywhere on the application website, so itself seems to be a fraud to me, but ok I accept that. I then asked if I can upgrade to a XXXX signature card. They said I might be able to but I need to meet a certain requirements, but they neither would let me know what the requirements are nor would let me know if I am qualified for it. How should I upgrade to a XXXX signature card if I do n't even know whether I meet the requirement? And why I got a non-signature card in the first place if the requirement is non-transparent?

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Credit decision / Underwriting

Complaint: I 've had excellent credit and in a strong financial position for over 15 years, however for the past 5 years I 've been unable to refinance my home. On several occasions I was told by the bank my loan did n't qualify for refinance and I had to be behind in payments to apply for HARP or other assistance program. After losing my job 3 years ago, my income decreases greatly. I exhausting most of my savings and had no choice but stop making payments to begin the HARP process. In the mean time I browed money from my retirement to pay mortgage when or if they approve me. It has been over 90 days and I was informed by my representative that my file has n't been reviewed. After expressing my concern about the process and what this has done to my credit score, I asked that they remove the 90 day or place an explanation on my credit report. As a self employed individual, it is very important that I maintain the excellent credit I had before starting this process. My representative filed a complaint to his supervisor to addressing my request and concerns as well as ask that my case be expedited to a supervisor in the underwriting department for review. I 'm very concerned that I now have a 90day on my credit report because they have n't reviewed my case, and they can still deny me for the HARP program.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (LA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I need late payment status removed from all three credit bureaus due to my student loan status being in deferred.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Payday loan () with CURO Intermediate Holdings (MO).
Issue: Charged fees or interest I didn't expect

Complaint: I received a loan for XXXX originally applied for XXXX and only took XXXX I got charged for the money I never picked up I paid XXXX on my first installment and I still owe XXXX. The interest is a rip off how can I get the amount paid if the interest does n't go down with a smaller amount due. I do n't get payday loans for this reason easy to get into hard to get out of!!!

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have sent letters to all XXXX credit bureaus reporting hard inquiries that I did not authorize. While I did purchase a vehicle back in XXXX of 2016 I should have not been dinged for that many hard inquiries for a one time purchase. I have asked them to remove or provide me with my signature showing authorization was allowed but none of the companies can do this and all XXXX bureaus refuse to remove the unauthorized hard inquires on my 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 01/24/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My loans through XXXX XXXX were transferred to Navient. I wish to ended the length of the loan the help lower the cost of monthly payments ( which in turn actually makes them more money ) but they refuse to budge on making my payments actually affordable.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (FL).
Issue: Trouble during payment process

Complaint: SLS This is actually the continuation of the same problem that I have complained about twice and which have been responded to by the company, SLS.

Unfortunately they made false statements about not charging fees and their accounting system is a mess.

I am one month behind in my payments, yet theyve managed to somehow determine that I owe over {$5000.00} ( my mortgage payment is roughly XXXX ). They have sent me a notice of default and notice of intent to foreclose based on completely incorrect numbers. I have bank statements just as I did the first two times which contradict their figures. Furthermore, the principal balance due has actually increased because of the way they manipulate the money.

I tried to make sense of it using their website but there is no coherent statement available, and the transaction history makes absolutely no sense ; it is filled with minuses and pluses that cancel each other out, transaction amounts that I had nothing to do with since I pay consistently through my bank, and notations like XXXX XXXX - a system that is intentionally confusing, so much so that their employees dont even know how to interpret it.

Ive attached a section of just 20 transactions - all taking place on the same date, as an example.

I am in contract to sell and need to have this resolved immediately, and again I very strongly suggest this company be investigated.

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 12-09-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Billing disputes

Complaint: I am filing a complaint against Bank of America ( BOA ) Credit Card for re-billing a charge of {$380.00} to XXXX TX that occurred XX/XX/XXXX. ( Attachment Item 1 ). I had called XXXX from XXXX using my ( BOA ) credit card to re-book a flight back to the US from XXXX on XX/XX/2016 on XXXX airways. However, when I went to the airport and showed the authorities a copy of the e-mail that I received from XXXX, I was not allowed to board the flight back as the security as very tight at the airport because of the terrorism problems in XXXX. The airport authorities said I could not board the flight without a hard copy of the ticket. I tried calling XXXX from the airport but no one answered the phone. XXXX never even gave me a contact number of XXXX to call and get help. The sudden flare up of the airport security issue caught me by surprise and XXXX could have sent me an email warning me of the situation or even sent me an electronic ticket, but they did not do that. They were of no help after taking my money. Since I was unable to board the flight I had to call XXXX airways directly, to re-book a fresh return ticket for {$680.00} and I returned to the US on XX/XX/2016 ( Attachment Items 2 and 3 ). After returning to the US, I called BOA to complain about XXXX and BOA reversed the charges ( Attachment - Item 4 ). But in the recent BOA statement, this charge of {$380.00} was reapplied with no explanation ( Attachment Item 5 ). I was not given the opportunity to explain and send in the documents to BOA to prove to them why I demanded my money back from XXXX. I would like BOA to refund me money.

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 09-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. ().
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Re : XXXX XXXX XXXX They informed me on XX/XX/XXXX that they were closing my account. I have complied with all terms and conditions and paid my balance off every month. Their language on my letter reads " SHOULD not affect my credit rating ''. They refuse to give me an answer why and have stopped responding to my correspondence. I take great pride in my credit standing so this is very troublesome to me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Bank account or service (Checking account) with RABOBANK, NATIONAL ASSOCIATION (CA).
Issue: Problems caused by my funds being low

Complaint: Starting XXXX XXXX, 2016 I started incurring overdraft fees due to insufficient funds available in my checking account. Between the dates of XXXX XXXX and XXXX XXXX, I incurred a total of XXXX overdraft charges at $ XXXX/piece for a total of {$310.00}. My banking institution, Rabobank N.A. was processing transactions even though my checking account was " overdrawn ''. 
Rabobank has taken 2 positions on this 1 : ) They claim I authorized an " opt in '' process that allows the processing of debit transactions regardless of available funds. 2 : ) I previously signed up for " Savings-Checking Overdraft Protection '' where funds are automatically transferred from my savings account to my checking account should the latter have the potential of being overdrawn. 
On XXXX XXXX, 2016 I met with XXXX XXXX, a representative with Rabobank at the XXXX XXXX, CA branch. I asked that she provide me with all the documents I signed or initialed associated with the account ( s ) in question. She could NOT provide me with any documentation where I signed or initialed authorizing Rabobank to process transactions resulting in my account being overdrawn resulting in fees assessed. XXXX XXXX could not provide me documentation where I signed or initialed any kind of " Opt In '' process. In fact, her only response was that " I must have told someone I wanted the " Opt In '' process. '' That is a completely unacceptable answer in my opinion. 
During my visit with XXXX XXXX, I asked that she change the " Opt-in '' process to " Opt-Out '' as I do not want to incur any more overdraft fees and do not have any reservations with debit transactions being denied at the merchant terminal should funds not be available. XXXX XXXX assured me that she did make the appropriate changes as requested. 
On XXXX XXXX, 2016 I incurred another overdraft charge of {$35.00} as a result of the aforementioned " issue ''. The changes I requested were obviously not made. 

At this point I have incurred a total of XXXX overdraft fees at $ XXXX/ea. for a total of {$350.00}. I am requesting that all XXXX of these fees be returned, or credited, to my account as I did not authorize Rabobank to process debit transactions when funds are not available or what they call the " Opt-In '' process.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/21/2015 about Consumer Loan (Installment loan) with CASHCALL, INC. (HI).
Issue: Managing the loan or lease

Complaint: I took out a {$2600.00} loan with XXXX XXXX/CashCall in XXXX 2013. Payments started in XXXX 2013 and as of last month they wee still taking out {$280.00} - {$290.00} with the balance of my loan barely changing. They 've taken over {$8000.00} from me and are starting to harass my family members and letting them know I owe for a loan all because I stopped payment. They 're a bunch of crooks. How can one make these payments all this time and yet the balance on the loan has n't really changed?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax has an incorrect derogatory mark on my record relating to a judgement against my father who has the same name as me. I contacted Equifax and they refused to remove it from my credit report and it is negatively impacting my credit score. I contacted the court that issued the judgement and there is nothing they can do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-02-2016 about Debt collection (Credit card) with FIRST NATIONAL BANK OF OMAHA (WA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I got a voicemail from a debt collector saying I needed to return the call because they were trying to serve me with papers for a lawsuit but were unable to find me so I had to call and update my address. 
When I called they said it was about a lawsuit ( court date was supposed to happen within 10 days from the call I received, on XXXX XXXX ). They offered me to settle for more than 60 % less than what I I supposedly owed. 
I knew I had a debt with said original creditor but did not remember the exact amount which appeared to be way off. I gave them my email address and asked them to send me details about my account as I did not remember the exact amount. 
After hanginf up with them I went online and ordered my credit report. As I suspected, the amount did not match what the debt collector said ( The original debt on my credit report states {$4.00}, the debt collector said it was {$3.00} and offered me to settle for {$1.00} ) Also, the collection agency which holds my debt as it is on my credit report is XXXX XXXX XXXX not XXXX XXXX which is the one who contacted me. Different name, different number, different address. 
I also did a search online on the Stete of Washington Courts and called the court in my city as well to find out if I had really been taken to court. No records were found under my name whatsoever. 
So I called the agency who contacted me and told XXXX XXXX XXXX that I needed proof that they really owed my account and were legitimate as I could not confirm any of the information they gave me as correct. 
He then proceeded to threaten me saying my wages were going to be garnished and before he hung up on me he said " We will see you on court on XX/XX/XXXX ''. 
I have the copy of the validation letter they sent me along with the proposed settlement. 
Not sure how to proceed as the information does not match and also think it was not professional and very suspectful that he became upset and simply hung up on me after being confronted and requested further information. 
Also, came to learn later on that a guy named XXXX XXXX who had contacted me before at work, had also contacted a family member revealing private information about the referred debt and also leaving a message saying if I did not call them back, they were going to garnish my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MN).
Issue: Loan servicing, payments, escrow account

Complaint: My house had a flood. My flood insurance company wrote an advanced check for immidiate mitigation so i could afford to get the wet carpet and walls out. The check was written out to me AND the mortgage company. I never signed the back of it. I mailed it to my mortgage company with a sticky note asking them to sign the back and mail it back to me. I left my phone number if they had any questions to call me.. They told me the check was lost or written out wrong. ( it was written out to greentree, who was bought out by ditech. My mortgage broker said it was fine to have it written out to greentree ) I called flood insurance company and told them to cancel check and write a new one ( with ditech name on it this time ) I called ditech back and heard that my last payment was the amount of the advancement my flood insurance company wrote out to ME! I talked to someone else who told me it was MY FAULT for not calling ditech before sending the check and that I mailed it to the wrong processing department. They put the money towards my mortgage account and totally mishandled my money!! Now I 'm going to be charged a {$25.00} fee for THEIR mistake when that check is cancelled and bounces. Without my signature on the back, how were they even able to process it? I know my bank would tell me they need EVERYONE 'S signature in order to process it. Is n't this fraud? Did they forge my signature? How am I supposed to trust a company like this with further flood insurname checks?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Consumer Loan (Installment loan) with Argon Credit (GA).
Issue: Managing the loan or lease

Complaint: I have used this company just little over a year they have three times switch accounting department XXXX have taken money extra payment from my account over 3 times the last time was XXXX XXXXand now its XXXX XXXX three payments was taken from my account simply because two they said they change companies and did not collect the money so I authorize them to take the two payments the following day another payment shows up that they took from me XX/XX/XXXX. I have made several phone calls and documents to show that the payments have been taken and they have refuse to refund my money as of yet all I can say is please stay away from this company.

Company response to consumer: Untimely response
Consumer complaint received 07-06-2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Credit decision / Underwriting

Complaint: On XXXX XXXX I made my XXXX mortgage payment. I saw on my BofA statement that it had gone through. A week later XXXX informed me via text I was almost at {$0.00} in my account. Something that I knew had to be some mistake. I found out through research that Chase had taken a 2nd payment in my previous amount ( prior to escrow change ). I had changed that to the new amount 2 months before however they continue to insist I went online and did it -I did not. When called on this Chase said they 'd reverse but it would be 7-10 days. 
I was leaving the country so I called BofA and they said they 'd cover the amount till it got reversed, They did n't say they would do that by sticking their hand into Chases pocket. 
So then there were several reversals and Chase took money back using my original XXXX XXXX payment to cover themselves and then reported us to the credit bureaus as XXXX not being paid -dropping our scores considerably. 
I was not aware of any of this till I returned home and then all Chase wanted was another XXXX payment. I had statements showing it paid and did n't want to pay more till this was resolved, that took over a week. At that point when we finally unraveled everything I paid XXXX again and XXXX but our credit was already negatively affected. 
Chase eliminated the " late fee '' but refuses to contact the credit bureaus for a reversal claiming it was n't their fault. It was n't ours, we paid in full and on time the rest was one mistake after another none of them ours. We had been paying Chase on time for 7+ years. 
Even before we had planned to refinance our loan. Now our mortgage person wants us to try and fix this before he proceeds so here we are as he recommended.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have several credit inquiries for the same day and I only signed for one application in the same day. I need to delete the rest of them because they were not made without my knowledge. 
Ex : XX/XX/XXXX - I have XXXX Inquiries XX/XX/XXXX - I have XXXX XX/XX/XXXX - I have XXXX and the list goes on. 
Please I need your help on this matter which is impacting my credit negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Debt collection (Medical debt) with TRANSWORLD SYSTEMS INC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Transworld Systems has called me repeatedly attempting to collect a questionable medical debt from a provider dating back to XX/XX/2014. Recently, they began calling my daughter on her cell phone attempting to collect the debt. 
I have never received any documentation establishing the validity of the debt from either the provider or Transworld. I contacted Transworld today and spoke to an agent, XXXX XXXX, demanding that Transworld immediately cease and desist from calling my daughter or any other family member, and requesting detailed documentation that established the validity of the debt.

Company response to consumer: Closed with explanation