milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Debt Recovery Solutions, LLC (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$720.00} with XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Payday loan, title loan, or personal loan (Payday loan) with Big Picture Loans, LLC (MA).
Issue: Received a loan you didn't apply for

Complaint: Earlier today, XXXX/2017, I applied for a loan on-line with Big Picture Loans. When I was nearly finished applying, they quoted payment plans with APRs of at least 555 %. I did not select any repayment plans or loan amounts. I also called customer service at XXXX. I firmly said that I was disgusted with their usurious APRs and did not want a loan from them. Soon after, I received an email stating that I was being considered for a {$470.00} loan. I immediately replied that I refuse ANY offer, and that I have contacted the FTC and CFPB. I then received an email from Big Picture Loans Support, stating that they have cancelled the loan. These emails have been copied and pasted below.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Hi Recently i have received my credit report and there 's an address i have never lived in. 
the address is : XXXX , NV 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 non-monetary relief
Consumer complaint received 10-11-2016 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I called my mortgage company about what was needed to remove pmi and I was told that my loan to valu ratio needed to be below 80 % for pmi to be removed. I then scheduled an appraisal through Roundpoont Mortgage ( my lender ). The appraisal came back at 79.5 % but the pmi removal was rejected for reason that the loan to value needed to be at 75 % or below. This was obviously different that I was originally told so I called and a manager listened to the call recordings and she confirmed that I was misinformed but they still would not honor the pmi removal. I feel that this issue was unfair to the consumer and that the pmi should be removed.

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 08/31/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I lived in XXXX XXXX apartments. I was served papers that I owed them {$920.00}. They took me to civil court and the judge dismissed their case as I showed that the apartment was vacant and I paid all amounts due. This can be found in XXXX County Court in XXXX, In XXXX under court case number XXXX. They have since turned over this amount that was paid to a collection agency that has hurt my credit and calls me continuously.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2016 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: My Equifax Report has incorrect information on my 'employer '.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I sent a request for validation that XXXX signed for on XXXX XXXX 2015. The USPS tracking number to prove this is XXXX XXXX XXXX XXXX XXXX. They never validated the debt within the time frame legally allowed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-07-2016 about Consumer Loan (Vehicle loan) with FORD MOTOR CREDIT CO. (IL).
Issue: Shopping for a loan or lease

Complaint: I purchased XXXX vehicles ( XXXX used, XXXX new ) from XXXX XXXX XXXX dealership in XXXX XXXX, IL ( now closed ). I financed both loans via FORD ( MOTOR ) CREDIT. I believe I was charged a higher interest rate because I am female and XXXX. I understand I may be due a refund of the excess interest. XXXX accounts are paid. 
Please advise what I must do to request a refund?

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Payday loan () with CNG FINANCIAL CORPORATION (TX).
Issue: Payment to acct not credited

Complaint: I received a payday loan from Check and Go and had an emergency and had to pay the fees and asked to borrow more money. XXXX times I spoke to a representative they told me that I could make payments at any time, not just on the next pay-day. I asked this question specifically, and they told me yes, I could make payments before the due date. When I attempted to do this, I was told I could not do it. Each time that the finance fees were charged, the loan just exponentially got bigger and bigger. I feel like they took advantage of me when I was down and now they are calling from a company called XXXX and telling me I am going to be sued. I told them that I would have to make payments and asked a few questions and the representative from the claims department started yelling at me. They are going to serve me with papers and take me to court and they told me that I did n't have to be there and that they would get a judgment against me for over {$3000.00} and garnish my wages. The loan was for XXXX, but now it is approximately {$1700.00}. I do n't think this is fair and I think that they lie to applicants. Please help m e.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Credit card () with SYNCHRONY FINANCIAL (OK).
Issue: Billing disputes

Complaint: On XXXX/XXXX/2015 on my Amazon Store had promotional balance pay off of XXXX. However the month prior had a promotional balance pay off of {$390.00}. but I paid XXXX a difference of {$90.00}. My regular purchase amount on this statement was {$200.00} which is being paid only if there is anything left over after the promotional balance. I had {$150.00} worth of promotion balance due for pay off on XXXX/XXXX/2015. Since I had the {$90.00} credit I paid {$70.00} on XXXX/XXXX/2015. Which left {$9.00} to be credited to anything upcoming promotional balances. On XXXX/XXXX/2015 I called in because there were errors on my account and I was credited a total of {$19.00}. My statement closes on the XXXX of every month and therefore the {$19.00} was not reflected on my XXXX/XXXX/2015 statement. And the {$9.00} was not applied to my account. Today I called in and asked for an explanation of why my payments are being missed applied. I was told that when I make a payment over the promotional pay off amount. The extra amount is applied throughout my account and not to the next expiring promotional balance. I have been told by the Supervisor XXXX that if I want my payment applied to my promotional balance I would have to call in every month and instruct them to do so. Of which I have not had to do in the past. Since Amazon is stating that my promotional of XXXX expired on XXXX/XXXX/2015 because I only made a {$70.00} payment on XXXX/XXXX/2015, but I had a credit of {$90.00} prior to the {$84.00} due on XXXX/XXXX/2015. Amazon is applying my payment as they please. Instead of paying off the next promotional balance they apply only minimum amounts to each open balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-10-2017 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (WI).
Issue: Struggling to pay mortgage

Complaint: Consumer requested 3 loan modification our attempts has been unsuccessful or insufficient to create a meaningful solution. Denial of loan modification kept contributing to our delinquent balance. 
Consumer filed chapter XXXX, Mortgage company filed claim to trustee late. 
Attorney offer was {$1600.00} a month we could n't afford.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (IL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I have purchased a shirt from XXXX {$340.00}, however the size was too small so I returned it. The store had struggles issuing a refund- took around 10 minutes and lady had problems scanning the receipt and the shirt although it had all the tags and model numbers matching. Eventually the refund was processed but never showed up. I kept a receipt just in case. Few weeks later still no credit, so I contacted Discover,  opened a claim and provided them with a copy of the receipt showing the refund is due and that it was never processed. Discover, accepted the claim reassuring that I am in good hands. Initial review resolved in your favor - that was the status. Few months later the balance seemed to be a bit strange, so I reviewed why. Then I found out that the transaction was posted quietly back to my account. I checked dispute section, and it says " After receiving the information, the transaction was found to be valid, and we will rebill your account ''. I contacted discover again asking to reopen the case, saying I did not get any credit, and if they claim to have mailed me something please requested for the copy of endorsed check. They understood the issue, and reopened 2nd review saying that they did request for the information. Today I logged into my account, and says 2nd review found the transaction to be valid. Basically, I returned the merchandise, kept copies of sales draft saying refund was processed and yet, I still Discover does not want to resolve this issue. Seems like there is some secret agreement between Discover and XXXX. I never had anything like this before, where after more than once clarifying the issue it would end up the same way. 

What is baffling is the fact that they are not directly addressing the issue. They claim the transaction was valid- which is obvious since I did purchase the item. So yes, the initial transaction is valid, but they are ignoring the fact that this claim is about a refund not received, and not a dispute about whether the initial transaction was fraudulent or not. Discover is willfully being difficult and obtrusive in the final outcome. And more glaring is them being insidious in how quiet and elusive they are in secreting my funds which i wholly deserve.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX is illegally reporting on my credit, which is negatively affecting my credit score. Please help me enforce my credit right and remove this illegally reported account 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 non-monetary relief
Consumer complaint received 09-06-2017 about Debt collection (Medical debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: There were two glitches in the system of TransUnion. These glitches were in fault a problem of TransUnion and not mine and resulted in the deletion of All inquiries on my report. Later TransUnion added them back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion twice ( first rep name was XXXX and second rep name was XXXX ) in good faith to ask them to delete the inquiries that they had illegally re-added. These inquiries add hardship to me financially and my rights have been violated by TransUnion. I ask that you please help me make TransUnion stop victimizing me.

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 10/27/2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: From when I opened my first checking and savings account with TD Bank, I was wary of charges and fees I wanted to avoid. I was told the account I opened was best for my needs as a college student and consumer. I was not explained about exactly what the overdraft policy and fees would be like but that I could transfer funds between my checking and savings. 
At one point, I was overdrawn often with {$35.00} fees several times per month. When I called customer service, I was told that I had a setting to accept overdrawn transactions which was why there were so many individual fees. Ultimately, I visited a store branch manager in XXXX XXXX, XXXX and spoke to the agent who opened my account at my local XXXX XXXX XXXX XXXX XXXX branch in XXXX 2017. 
They claimed they were unable to waive any fees. XXXX XXXX XXXX, the more responsive branch manager there said she would look into it and the agent would have her review it. I was told they were something additional she could do after so many fees on the account, especially since I was ready to close the account at that point. 

I also indicated and signed a document to make sure that overdrawn transactions would be declined to prevent the fees from being added on. Any transaction that would cause me to overdraw is no longer automatically authorized. This change never happened officially which seems why I received so many more fees, putting me deeper in a hole and loss of personal income to so many fees. The branch manager XXXX XXXX and I never spoke after and I lost her contact information directly. I tried calling customer service and that led nowhere.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/25/2015 about Consumer Loan (Vehicle loan) with BMW Financial Services NA, LLC (GA).
Issue: Taking out the loan or lease

Complaint: On XXXX XXXX, 2015 I purchased a XXXX BMW 528i from XXXX BMW of XXXX through their " Owner 's Choice '' finance program. Before visiting the dealership, I researched the lease specials available and intended on leasing a vehicle ; in fact, until I spoke with the Finance Manager, all payment terms discussed with the sales representative and sales manager were, as I understood, lease payments. After we came to what I felt was a satisfactory payment amount, I was sat with the finance manager who explained the " Owner 's Choice '' program to me. He explained that the differences between " owner 's Choice '' and leasing were : -The vehicle would be titled in my name, allowing me to reap tax savings should I trade the vehicle in-Instead of a residual, there would be a balloon payment at the end of my 36 month termI work in Consumer Banking Compliance and specialize in Consumer Lending, so I had a solid understanding of everything that was explained and decided to move forward. I elected to go with a XXXX mile per year lease as I was under the impression that I would be able to purchase miles during the term of the loan at a discounted rate ( I believe {$0.00} per mile as opposed to {$0.00} is what BMW charges lease customers ). 
I contacted BMW Finance and attempted to purchase additional miles and was informed that I could not do so with the " Owner 's Choice '' program ; the rep stated this option was only available for lease clients. I feel that this is unfair : the " Owner 's Choice '' program is something unique to BMW, and consumers have no reasonable means of understanding the nuances of the program other than through the dealership staff and loan documents. I reviewed the loan documents thoroughly and it does not state that customers can not buy additional miles before the end of the term at a discounted rate, as you can do with a lease. Had I known this at the time of origination, I would have chosen XXXX miles per year. I feel this is a UDAAP, and I can only imagine how many other consumers have been blind sided by the failure of disclosure by BMW. Most consumers are not nearly as familiar with the complexities of consumer lending as I am, and I feel that at a minimum this major difference needs to be both explained to the consumer at origination and documented. Being able to purchase miles during the term of a lease adds a great deal of flexibility to the lease transaction, and that flexibility has been taken away from me by BMW and I will suffer financially as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Debt collection (I do not know) with R & B Corporation of Virginia (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XX/XX/XXXX2016 I was alerted on my XXXX XXXX account that Credit control corporations had opened a collection account on my credit profile dated XXXX XXXX, 2016. I have received no correspondense on this account totalling {$210.00} on XXXX and {$250.00} on the other. Credit control corporations has not provided:1.Agreement with the creditor that authorizes you to collect on this alleged debt 2.The agreement bearing my signature stating that I have agreed to assume the debt 3.Valid copies of the debt agreement stating the amount of the debt and interest charges 4.Proof that the Statute of Limitations has not expired 5.Complete payment history on this account along with an accounting of all additional charges being assessed 6.Show me that you are licensed to collect in my state ; and 7.Your license numbers and Registered Agent

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (LA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I have received rude and threatening calls from a woman named XXXX who works for IQ Data ( XXXX ) She has called and harassed me for about 2 months about a debt that I do not owe. Calling my place of employment, speaking with employer and also calling my work phone numerous times. I do need this harassment.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2018 about Mortgage (Conventional home mortgage) with CORNERSTONE MORTGAGE COMPANY (TX).
Issue: Trouble during payment process

Complaint: So in XXXX I sent a payment of {$1100.00} in a Cashier 's Check to Cornerstone Home Lending, Inc. At that time we were having financial issues and was short on payment. However, Cornerstone cashed the Cashier 's Check and showed on our statement as Unapplied Funds. Then our mortgage was sold to XXXXXXXX XXXX who is our current mortgage company. The {$1100.00} payment was not sent over to XXXXXXXX XXXX  and was never applied to the account. I have contacted XXXX by phone and by mail and was sent a letter stating that they never received the funds from Cornerstone. I contacted Cornerstone by mail at the beginning of XXXX and I have not received any reply. In the letter I stated that the funds can be returned to myself or sent over to XXXX. When I call XXXX all I get is that my loan has been moved to another company and to contact them directly. 

I need to know how I can get this problem solved and my money refunded or sent to my new mortgage company. 

I will appreciate all and any help I can get. 

XXXX XXXX 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 07-01-2016 about Debt collection (Medical) with Professional Service Bureau (AZ).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I received a call at XXXX on XXXX XXXX, XXXX from XXXX with a recording saying they were trying to reach me and to select XXXX if it was me, which I did, and I was transferred to a person who identified himself as calling from Professional Services Bureau and later identified himself as XXXX . XXXX informed me he was calling in regards to my XXXX XXXX account that was past due. I informed him I had set up auto payments on the account, and he confirmed I had but that no payment had been made since XXXX XXXX. I checked my bank account and confirmed that the auto payments had not been occurring as expected. I asked him if he could explain why and he responded only that I needed to pay the balance in full or at least half of the amount. I requested the balance in full and he stated {$830.00}. I told him that was much higher than I thought it should be and informed him that I was going to need to look back at my records to determine if that was accurate and wanted to figure out why my payments had stopped. He responded by telling me I did not have to check my records I just needed to make a payment and asked how much I could pay now. I told him I was about to take a pay cut at work so the most I could do was the {$85.00} a month I thought I had been doing but with the balance he stated I wanted to check my records first. He became aggressive telling me I did not need to check my records, that I needed to make a payment, and challenged me on what records and why I would need to check them. I informed him that I wanted his name ( which he gave as XXXX but refused to give his last name ) and that he was not allowed to be challenging and aggressive towards me and if he continued that I would report him. He continued with his aggressive communications despite my comments and requests and he continued to insist I did n't need to check my records and just needed to set up a payment and accused me of being the aggressive XXXX. I ended the call at that point.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Closing/Cancelling account

Complaint: Acct closed on XXXX 2009 and still showing on my XXXX credits bureau.

Company response to consumer: Closed with explanation