milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/26/2016 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (NM).
Issue: Credit decision / Underwriting

Complaint: they froze my line of credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-08-2016 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH (OH).
Issue: Deposits and withdrawals

Complaint: I deposited an amount into my checking account to cover my monthly home equity line of credit payment withdrawal on the day it comes out of the account. The payment was bounced back and I received {$100.00} in fees directly related to this. The amount I deposited was only {$380.00} to cover the payment and that is almost a third of that. The realistic amount I should have to pay should be around {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Bank account or service (Checking account) with KEYCORP (ME).
Issue: Problems caused by my funds being low

Complaint: I believe I was charged excessive overdraft fees by Key Bank. I had a death in the family later last year and was really struggling. I slipped up a few times and did n't complain. The way they are applying the charges to my account created overages when their did n't need to be any. I am not asking for a full on refund but I have asked them for help. They have charged me a total of over {$500.00} last year and over {$600.00} already on charges that were most often put into the negative by how they chose to apply them

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ResidentCollect, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company called Resident collect or resident check, says that I owe them money for an apartmetn I never lived in. They are still on my credit report and this is a four year old debt!! The statute of limitations on debt for residents of the State of Texas is four ( 4 ) years. In Texas, this refers to oral agreements, written contracts ( car loans, installment loans ), promissory notes and open accounts ( such as credit card credit lines ). I have never paid them, and when I dispute on my credit report, they have never reportieda change as far ast speaking with themthis from XX/XX/XXXXRESIDENT COLLECT INC # XXXX XXXX FWYSUITE XXXX, TX XXXX XXXX XXXX ) XXXX for Collection : XXXX : Individual AccountAccount Type : Open AccountLoan Type : COLLECTION AGENCY/ATTORNEY Balance : $ XXXX Updated : XXXX Payment Made : XXXX Amount : $ XXXX Creditor : APARTMENT XXXX XXXX XXXX ( Rental/Leasing ) Past Due : & gt ; {$1900.00} & lt ; Pay Status : & gt ; In Collection & lt ; Remarks : ACCT INFO DISPUTED BY CONSUMR ; & gt ; PLACED FOR COLLECTION & lt ; Estimated month and year that this item will be removed : XXXX of XX/XX/XXXXRESIDENTCOLLECT INC XXXX {$1900.00} as XXXX Collection account. {$1900.00} pastdue as of XX/XX/XXXX. 
In XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX identification XXXX creditorAPARTMENT-XXXX XXXX MonthsOn record untilMay XXXX limit ororiginal amount $ XXXX balance $ XXXX payment $ XXXX payment $ XXXX of XXXX reportedXXXX/XXXXResponsibilityIndividualCommentAccount information disputed by consumer ( Meetsrequirement of the Fair Credit Reporting Act ). 
Your StatementI HAVE NO KNOWLEDGE OF THIS ACCOUNT. 
Reinvestigation informationThis item was updated from our processing of yourdispute in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Mortgage (Other mortgage) with BAYVIEW LOAN SERVICING, LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: my name is XXXX '' XXXX i am again complaing about bayview why have you not done your job i am asking that the company stop sending me info about the hamp waste of paper and not in military they sent me certified letter that i had to take to the post-office thought is was serious the letter contain only about the hamp i got a regular mail reL this and a certified letter in say day wasted by time and gas XXXX round trip to have the same letter sent t me if they want to spend money and waste it they can lower my payments i want the letters stoped you have not done your job i have ask you find out why if i send a money order to the company it takes days to get their i am never late, also if i pay on line it takes XXXX to get to thier bank then they say they then wait on a check sent to them XXXX they post my payment this makes no sence do not send me a statement what i have payed that is always what i get do your job and make them have payment sent to only XXXX place i am sure the way they have it set up so they can add late payment to bill i have proof the payment this month got their on the XXXX better not have a letter or call say they did not receive it. every time i complain you send me a letter saying working on it has been many months now if they want to waste money by sending out the hamp info they can lower my payment. do your job and investigate.loan # XXXX thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2017 about Debt collection (I do not know) with AVANTE (AR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Actually it 's not continued attempts! I received an alert today XX/XX/XXXX of something being added to my credit report so I look and it shows Avante USA and that the account was opened XX/XX/XXXX and already placed in collection a month later. I have not opened any account in a good while, I have been paying things on time so my to improve my score. I looked online and I see where this company has complaints about a lot of things. I called the number and left a message because this is so not right

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CAPITAL ONE FINANCIAL CORPORATION (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: item is listed as " charged off '' on credit report and I would like this removed from my credit report please

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (WI).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was in the process of trying to get a mortgage and when a new credit report was pulled an account from Enhanced Recovery was reporting. I had a representative contact them because time if so of the essence. I currently have XXXX so I was surprised that they indicated they were collecting for XXXX. I would have paid this had I gotten notified but never did. My representative asked for a number to reach XXXX and was told they would not give the number. I have called several XXXX number and have gotten nowhere. What worries me now is how do I know this is truly mine? Like I said I have XXXX now and if they ca n't give me a phone number to contact the original company how can I know this is a valid account?

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 06-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HUNTINGTON NATIONAL BANK, THE (AR).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On  X/X/2017  I received a letter from The Huntington National Bank.
This letter requested that I send them {$3300.00} within 30 days in order to implement a loan.
I have never applied for a loan with this company. I have never heard of this company.
The reasons stated for requesting the {$3300.00}. was allegedly because my credit report that Huntington National Bank requested from  XXXX  was so negative.
I have checked with   XXXX   and our history has always been clear of all problems Huntington National Bank wrote that the following reasons attributed to their request for money from us : A : " Low credit score of   XXXX   '' Nonsense ... .We have an Excellent credit score of  XXXX  B : " The number of our accounts with delinquency is to high '' Nonsense ... ..We have an impeccable history ... .no delinquencies ... ever ...
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C : " To few accounts currently paid as agreed '' Nonsense ... ..Our credit reports, dating back as far as you want to look, including their alleged source,  XXXX , show all accounts have always been paid as agreed D : " Length of time loans have been established '' Nonsense ... ..We only have   XXXX   loans plus credit cards that are paid in full every month.
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I talked to Huntington National Bank this morning and expressed my concern that : # 1, I did n't request a loan with them ... .ever ...
# 2- the information contained in their letter to me regarding our credit is highly inaccurate.
I made it clear that my credit reports had better not reflect anything due to Huntington National Bank invalid and inaccurate statements.
My wife and I take great pride in maintaining our credit ratings and are offended by the misuse by Huntington National Bank of our credit history I 'm concerned that it might be possible for a bank to prey on the elderly and with intimidation, force loans that were never applied for.
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My phone discussion with bank personnel did nothing to assure me they were the least bit concerned with what I thought.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Mortgage (FHA mortgage) with PHH Mortgage Services Corporation (FL).
Issue: Credit decision / Underwriting

Complaint: Description of issue : We were clear to close on the buyers side since XX/XX/2016. The loan office and the seller have been going back and forth for XXXX weeks since then trying to get all the well documentation in order. We have been impacted by this financially in having XXXX addition weeks of temporary housing cost and we lost our rate lock as of XX/XX/<YYYY> They refused to extend the rate lock and now the new rate is an increase of approximately {$92.00} a month. The delay due to poor communication on the lender side and seller has cost me significantly and I would like to know what rights I have in this. They had all closing documentation XXXX hours prior to our rate lock expiration but could not make closing by the deadline.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Debt collection (Other debt) with I.Q. DATA INTERNATIONAL, INC. (WA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: IQ Data International, Inc deliberately added a collection account of {$5100.00} on XX/XX/2017. The company will not verify the debt nor any information about the debt. Rather it engages in phone harassment by using auto-dial robots that immediately hang up once the person answers the phone. IQ Data International deliberately uses auto dialing robots to skirt Fair Debt Collection Practice Laws so no one will track down its customer service representatives and hold the company liable. 

IQ Data International has a bad reputation within the business community and among consumers. According to the XXXX XXXX XXXX there are currently five complaints about the billing and debt collections practices of IQ Data International ( XXXX XXXX  XXXX ). Additional websites, including those from attorneys, address the problematic nature of IQ Data International. Therefore, I'm cautious about negotiating any consumer debt with a company with negative reputation of hostility towards consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Debt collection (Credit card) with Resurgent Capital Services L.P. (NY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: The attached complaint should be taken seriously by your agency, a debt buyer known as LVNV Funding LLC has been violating consumer rights for decades, and the CFPB should through the Federal Trade Commission take legal action against this company and the legal entities that work with them for the collection of debts that are simply no longer enforceable.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint: my husband and I have been Financed with Santander consumer USA since XX/XX/XXXX at the time our credit was n't the best but the dealership told us we could refi in a year with Santander when things got better, we are in XX/XX/XXXX and my payoff is still close to the day I bought this car, there interest rate is ridiculous over 20 % and I just found today because our credit reports showed an increase to our loan, which should be decreased as we make our payments that even thou our loan is due the XXXX of every month because they receive it from our bank on the XXXX they charge us fee 's because they do there reporting to the credit bureaus at the end of each month so now I have XXXX in fees because the transfer from my bank to theirs is a few days between, which I never knew about until i saw this on our credit report, so i called so with our credit much better I wanted to pay this and they were going to charge me to pay on the phone too, so I said no Ill have my bank send it, we tried trading in the vehicle but its now worth XXXX its a XXXX XXXX XXXX great shape XXXX XX/XX/XXXXmiles I would be upside down still by XXXX still Ill be paying this car until Im XXXX and Im only XXXX how can they get away with robbing us there is no other options but scamming us, and robbing us blind PLEASE CAN SOMEONE HELP US after all this happening to us I went online to see if anyone else has this issue and I ca n't believe we are not the only ones Massachusetts and Delaware just won a huge settlement against them there are people here in Florida posting online begging for help and do n't know who to go to, please help us consumers. back in XX/XX/XXXX we had to make deferred choices and they took those payments and gave us 5 late 's on our credit reports and charged us to do all this on top of high int, late fee 's etc they nickel and dime you every cent There accounting is not correct at all, and almost 9 months of these deferred payments is when they placed them on our CB, not even when they actually happened.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Caliber Home Loans, Inc. (IL).
Issue: Loan modification,collection,foreclosure

Complaint: We have not been recognized by new mortgage servicer Caliber Home Loans as being in the Loan mitigation process prior to the transfer from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with TD BANK US HOLDING COMPANY (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: In XXXX XXXX, I opened a fraudulent dispute with TD Bank for my XXXX XXXX Cashback Credit Card. I did not authorize the 4 charges of {$950.00} distributed across XXXX XXXX XXXX XXXX ( total unauthorized charges : {$3800.00} ) and the 6 charges of {$990.00} distributed across XXXX XXXX XXXX XXXX XXXX ( total unauthorized charges : {$5900.00} ) to online merchant XXXX. These were all charges made online without my consent or knowledge. After their " investigation, '' TD Bank resolved the fraud dispute in the merchant 's favor and purported that I made those charges. I tried to appeal their decision but they denied that also. I did not make those charges and was not aware of those charges. I was not even notified of these charges, which were in the thousands of dollars, until I looked at my credit card bill. Now they expect me to pay ~ {$7400.00} dollars for charges I did not make. This will devastate me financially. The TD Bank fraud investigator who first contacted me, XXXX XXXX XXXX, called me in late-XXXX XXXX. This was the first time we spoke over the phone, and she immediately accused me of lying and making those charges. I personally found it suspicious ( and rude ) that she would jump straight to accusations before the investigation was resolved. As a result I believed the investigation was already biased against me. I 've also called her 5 days a week every week at her phone number ( XXXX ) XXXX but my calls were ignored. I know they were ignored because her voicemail changed in the time between some of my calls, and she did not call me back, meaning that she heard the voicemails I left her, but she still did not call me back! I can only deduce that this fraud investigator is deliberately ignoring my phone calls. I do not know if she is simply ignoring all phone calls or just mines specifically. I have filed a police report with the XXXX Police Department on this matter ; my case number is XXXX. I believe my identity was stolen along with my credit card information ( I was hacked ), and because of that somebody else was able to make purchases with my card number online without my consent. My case number for TD Bank is XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (FL).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: This is my third complaint against usbank credt card, after trying to reach a payment agreement unsuccessfully several times. This financial institution tries to manipulate the minimum payment with increments of the APR without control, changing the terms in its way so as to affect the consumers that like I have been paying for my account for a long time and suffering overdrafts due to the indiscriminate increase of the minimum payment Without prior notice by mail, from my second complaint on  XXXX   XXXX ,   XXXX   this institution sent me the change of terms by mail to cover up their mistakes so far. For me it has been a great nightmare to have fallen into the deception on the part of this " misleading offer of credit '', for which the consumer can not pay and then his credit is damaged.   I ask once more to take this into consideration since it is difficult for me to reach an agreement with this the poorest financial institution I have ever known in my life, and I do not want others to happen to it. My  XXXX  accounts are closed therefore I do not have to pay any membership, besides that must be subject to the lowest APR that I had, in order to have a formal agreement and not abusive payment.And I want to remember that I asked that my accounts be closed years ago to take me to the lowest interests and without any type of membership or additional collection Sincerely  XXXX   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 04/26/2015 about Debt collection (I do not know) with Focus Holding Company (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Focus Receivables Management keeps calling my home phone. I have no delinquent debt to be collected.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Rausch, Sturm, Israel, Enerson & Hornik, LLP (TX).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: Debt collectors have n't called outside of proper hours, however I am having an issue with debt collection companies not providing me with a receipt for my monthly payments. I 've spoken with multiple representatives and supervisors who always claim they 're going to resend it but they never do. A common practice for these companies is to only allow you to speak with XXXX person who is authorized to handle your account. The issue with this is very rarely is that specific person available to take my call and when I leave a voice message my calls are never returned. It is ridiculous that I have to make demands for something as simple as a payment receipt. These companies need to improve their customer service now!

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 05-05-2016 about Payday loan () with BlueChip Financial (CA).
Issue: Charged fees or interest I didn't expect

Complaint: I took out a loan with Spotloan.com for {$300.00} I thought that {$50.00} was the payment each month and it turn out that they wanted {$91.00} instead I was upset and I called them and I refuse to pay back {$700.00}. They are now taking me to court and I told them I am willing to pay back the original {$300.00} in payment and they want to take me to court.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Mortgage (Conventional fixed mortgage) with MILEND, INC. (PA).
Issue: Credit decision / Underwriting

Complaint: I wanted to refinance my condo. I was contacted by MiLend Phone number XXXX they are located at XXXX XXXX XXXX XXXX, # XXXX, XXXX, GA XXXX My contact name is XXXX.After weeks of supplying documents and paying for an appraisal, I was refused the loan. 
The grounds were I did n't live In my condo? And. this condo they say is an investment property and they could offer an investment mortgage at a percentage point higher. I needed to prove I live there. I provided proof from the borough showing no rental occupancy, from my voter registration card showing I lived in this condo, from my tax return showing the mortgage payments and interest were takien off my tax return as a personal home. I do not think it is fair that I was refused the loan After providing so much proof I live there. 
My credit scores are in the low XXXX He should n't of had me pay an appraisal fee first.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation