milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/19/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with Spring Equity LLC (NC).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I contacted the company for a Home Equity Loan in early XX/XX/XXXX. They asked me for specific information including providing W2s, Paystubs, Mortgage statements, drivers licenses, homeowners insurance and additional information necessary to conditionally approve my application and forward to underwriting. They ran a `` Drive By Appraisal '' which I paid {$180.00} for and was significantly lower than the Market Comps ( appraised for {$390000.00} ). They asked me to send Market Comps and they would share with Underwriting - I also shared a full appraisal when I refinanced my first mortgage with XXXX XXXX last year which was appraised at {$420000.00}. I provided that last week and they are now not responding to any e-mails. I believe this company may be unfairly deceiving consumers to generate appraisal fees as a revenue stream. In fact, I applied for a similar loan with XXXX, and the process was streamlined and they ran a Desktop Appraisal which was consistent with the Market Comps ( {$440000.00} XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I had 17 loans with XXXX XXXX, I now have 2 loans which are consolidated. In XX/XX/XXXX they reported to my credit report that I was 90 days past due, since the loans had not been consolidated at that point it did not just report it once but 17 times. My loans had a forbearance from XX/XX/XXXX-XX/XX/XXXX, I never received a bill from them to prompt me to pay anything and every attempt that I have made to get them to correct my credit report comes back, with them saying that it is correct and they do not have to correct because a forbearance does not stop it from being considered late if you look at the 2 previous months on my credit report they reported that XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX were all paid as agreed and then in XX/XX/XXXX reported that it was 90 days past due, if it was 90 days past due then I would not have been able to have been as agreed in the 3 months prior to it. The loans have since been consolidated and are on a payment plan where it has not shown a missed payment since, they are unjustly leaving these on my credit report even though my loan was in forbearance in order to prevent me from obtaining other 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 explanation
Consumer complaint received 07/27/2015 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Customer service / Customer relations

Complaint: I am so sick of being a victim of the incompetent gap customer service and fraudulent departments! I called into gap 2 months ago when my account was locked online and was then told that my account had a fraudulent charge and my card was cancelled and sent a new one. They never even notified me and I had no access to any of my old statements because they were all online. I had to go on vacation so I had to make sure that I paid all I owed so I was n't charged a late fee. I spend nearly 6 hours on the phone that week with GAP online purchase department and went line by line of all my orders and credits over the phone and made sure I paid the exact balance minus the fraudulent charges. I just logged into my account online today with the new card only to find that they never even submitted my fraudulent charge for investigation, charged me late fees for 2 months on my fraudulent charge. I do n't see any of the statements or activities for the old credit card even though they told me it would be transferred and I would have access to this information. Both customer service and fraud department tells me I will have to wait another 60 days, they do n't remove the balance from the card, so it looks like I do n't pay my bills and they will keep charging me late fees. I told them that I do not owe them a cent and I paid off everything but the fraudulent charge, and I asked them if they are reporting me as not paying my bills and ruining my credit as a result of this, and of course they do n't know and simply told me that I have to wait 60 days. Gap credit is the most incompetent credit card I have ever experienced, and it feels like there is nothing I can do. If they XXXX my credit I will sue. Not to mention they have wasted at least {$500.00} worth of my time and stress and grief over this. I am furious!

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-04-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: I have mortgage that was originally a XXXX XXXX XXXX account, then passed to Green Tree Services terrible service and even worst customer service, now the new Debt Collector Mortgage Holder is Ditech. This company is awful to make a payment over the phone takes for ever and after you are transfer to different individuals and you can finally make a payment they charge you {$19.00} fee, which I understand is illegal the State of Massachusetts where I leave. I also have problems to make my payments online because their website is does n't always allow me to make my payments. Because of their inefficient service I tried making my payments XXXX and two days ahead of the due date and recently I made my month XXXX payment on XXXX XXXX XXXX earlier, apparently they posted my payment toward the principal balance and I 've emailed them 4 times asking to adjust my payment. On XXXX XXXX I was informed by XXXX their reps. that my account was up to date and my next payment due was for XXXX XXXX. When I called this week to make my payment I was informed that I was behind missing XXXX payment, that was very frustrating and I felt helpless. I am in a bankruptcy process where I ca n't miss any payments during my 5 years plan and as of today I 've paying my mortgage in a timely manner. I was informed by their rep that an audit was being conducted on my account and the they would have an answer by XXXX XXXX. I do not trust this company, I have the names of the people I talked to, copies of my emails. They have sent XXXX letters they all say the same " we are working on your case '' ... .I appeal to your help to get this horrible company in its place and stop abusing consumers. I need a report that shows that I 'm up to date in my mortgage and that shows that my payments have been adjusted accordingly. It is so ridiculous that every time I speak with a different customer service person, each of them have a different answer : we are working on your case, we are conducting and audit, call in 7 days, call in 2 weeks. I would appreciate anything you can do to mitigate my situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (IL).
Issue: Struggling to pay mortgage

Complaint: I filed for a short sale with  Shellpoint Mortgage Services  and they have continuously put me in a run around. I have supplied a buyer and they are still postponing the approval by stating it has to get approved by a supervisor, investor,  manager, etc. I have advise them repeatedly I may lose my buyer and they do n't care. They stated they have tried to call me which I can supply p hone records to show they have not. My lawyer has called continuously to see what we can do to move this along and they keep giving her the run around. I believe they are trying to push me in foreclosure even though have been approved for short sale and supplied a buyer. I have a  XXXX   XXXX  mortgage and they have extended this well past the 60 day approval process. I 'm in need of assistance badly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Was informed that my information was compromised due to the XXXX hacking and found fraudulent transactions on an existing credit card i suspect but cant prove may have been related. So i was trying to get my annual credit report that is intended to be used to get my credit report from all 3 credit burrows and found that i was not allowed access to any of my reports. XXXX & XXXX both stated after going though the verification that i was not going to be provided my credit report due to the XXXX hacking incident. XXXX did not even let me go though the verification and simply stated that their system is down with no other explanation. 

To say the least i am very upset that i am unable to get access to my information when i need it the most and was under the impressions that the credit companies are required to provide me with my credit report in a timely manner and they have been unable to do so.

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 10/25/2017 about Checking or savings account (Other banking product or service) with U.S. BANCORP (CA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: US bank account was opened and funded on XXXX XXXX, XXXX to fulfill the promotion for the XXXX promotion but incentive has not posted yet. XXXX bill payments were made on XXXX XXXX and XXXX XXXX, XXXX. It has been more than XXXX months but no sign of the bonus.

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 monetary relief
Consumer complaint received 04-09-2016 about Debt collection (Medical) with Arcadia Holdings, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Original creditor claims that They were unfamiliar with collections agency and that I DO NOT HAVE ANY OPEN DEBT WITH THE ORIGINAL CREDITOR THEY SENT ME STATEMENT IN MY FAVOR ; Yet Their AFTER TELLING ME ON PHONE THEY WOULD WORK ON FIXING THIS I SHOULD TRY TO MYSELF?? My Insurance paid this {$480.00} bill I do n't owe anyone but collections agency ruined my credit score basically as my personal bank significantly lowered my credit line and gave false info as they left me with deragatory remarks with open collection unpaid.

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 02-12-2016 about Credit card () with JPMORGAN CHASE & CO. (PA).
Issue: Billing disputes

Complaint: Chase violated my credit card ( Chase Freedom ) agreement by mailing a credit card pertaining to my account to different address. The credit card agreement states that cards are to be mailed to the address of record. As a result, the card was mailed on XXXX and on XXXX approximately {$130000.00} in charges was attempted and {$6800.00} posted before Chase contacted me. Chase has yet to remove the charges and is not fully cooperating with me. I firmly believe that Chase is negligent.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Account opening, closing, or management

Complaint: I expect a script back from the bank covering themselves but since i am working with a lawmaker to pass laws to protect people like me i am still reporting this. i expect a script and cover your XXXX response. 
My son was born with XXXX in XX/XX/XXXX. I have struggled very much so due to this. We have medical bills of over a million dollars we are suing to have insurance pay for.Despite having a long term relationship with bank of america with NO RISks or any real problems i want to describe actions taken by XXXX in XXXX and XXXX XX/XX/XXXX In XXXX day because I could not believe all they would do is send me copies of credit card agreements when I indeed asked for real help like refunding my interest. I would get letters denying this and copies of credit card statements i neither asked for or needed but never help. Things really deteriorated when I made a remark that with the copies they send me of credit card agreements to verify interest is valid when i never disputed that i made a remark i could make a good fire with all the paper I sent that in writing. NExt thing i knew XXXX person XXXX XXXX called me and told me she was sending me a letter closing all accounts I had about XXXX accounts credit cards for many years. and a bank account. all closed. I know you will say as will the bank that it is legal. 
Know that laws have to be passed to protect families like mine and make banks meet a higher standard when taking these actions. Not say i am a risk when i have never been and was currrent on all. All i wanted was loyalty for loyalty i gave in the form of interest refunded.instead XXXX person made the decision with powers in the bank from the bank to close all my accounts. it is truly unbelievable. If there is any damage to my credit i will take action. Also know before they mde me leave bank my checks no longer funded. the way i was treated was worse than a customer who is actually deliquent. I know i will get a script back that is why i have contacted the media and legislature.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 09-03-2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (FL).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I have significant concerns about Best Buy offering what this consumer perceives is a way to make consumers accept an annual credit card for a fee, when in fact, the consumer is eligible for their platinum credit card at no fee.. An initial letter was written to Best Buy who forwarded the letter to Citi Bank who apparently is the credit card company providing services for Best Buy. Their letter did not answer my questions to my satisfaction and they claim that they do not have to disclose why I was denied because of their proprietary credit card scoring. I have subsequently written the CEO of Citi Bank inquiring why a consumer with a > XXXX score, > 19 years of XXXX XXXX XXXX, > XXXX annual salary and over 1.4 million in net assets does not qualify for a Platinum Best Buy card. I advised him that it was very suspect that they would offer me a different credit card at an annual fee and concerns that this is a system wide policy which would be quite beneficial to the corporation at {$50.00} per individual.

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 08/21/2015 about Credit reporting () with EQUIFAX, INC. (OR).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Equifax has stated that they have contacted North Dakota child support. I have called them and spoke with them as well! They are not reporting my arrears because it happened during a time of XXXX and they have been paid. I do not believe that once a XXXX is proven and acknowledged by XXXX I should not be punished for late payments as a result of said XXXX! That is what is happening here. I have been XXXX since XXXX of XXXX and did not receive any payments until XXXX XXXX I believe. So in effect I am being punished or discriminated against by Equifax simply because I was XXXX and could not pay until the U.S. Government paid me my XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I went to apply for a loan and found out that Equifax has reinserted inaccurate information and has continued to report a tax lien which was later released by the IRS ( attached will be my Chapter XXXX plan and IRS release of lien certificate which shows that it was released as a result of my bankruptcy ). Equifax reported that my Chapter XXXX bankruptcy has been dismissed, reinserted collection company 's ( XXXX and XXXX ) reported that I have an open account with XXXX XXXX and XXXX with balances. I filed Chapter XXXX and I am no longer liable for IRS tax lien in the amount of {$66000.00}, XXXX, XXXX, XXXX XXXX, XXXX and XXXX yet Equifax continues to report inaccurate information even after I disputed with them twice. Equifax has caused me great harm. I even gave Equifax my attorney 's information so that they could verify that I am no longer liable to the IRS lien, XXXX XXXX, XXXX XXXX, XXXX, XXXX and others. My attorney 's information : XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Florida XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I attempted to buy a car from XXXX XXXX in XXXX XXXX and the manager insisted he had to run a credit check which is XXXX hard inquiry. I told him not to run a credit report for a loan on a whole lot of companies because hard inquiries are hard to get rid of when you they are on your credit report. I gave him permission to ask for a loan from XXXX XXXX and XXXX XXXX which are XXXX auto loan companies I am currently using to pay off car loans and are in good standing. Well, needless to say he ran my report XXXX times lowering my score of XXXX to mid XXXX 's. I would like these hard inquiries removed from my credit report so I can purchase a new car or buy a home. I had a good score now I have a bad XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-01-2016 about Bank account or service (Checking account) with BB&T CORPORATION (CO).
Issue: Problems caused by my funds being low

Complaint: On XXXX XXXX, 2016 Regional Acceptance Corp, a subsidiary of BB & T Bank took monies in the amount {$390.00} from my personal checking account at XXXX XXXX XXXX ILLEGALLY, WITHOUT MY CONSENT OR KNOWLEDGE OR AUTHORIZATION and has refused to return the monies upon demand. It cause my bank account to become negative with bank fees!

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 Consumer Loan (Installment loan) with TD BANK US HOLDING COMPANY (FL).
Issue: Managing the loan or lease

Complaint: Diamonds International, TD Bank credit provided 6 months same a cash and they are not honoring the documents signed. The purchase was made on the XXXX of the month and they are back dating the cycle to the XXXX. The XXXX is not the XXXX and it is n't 6 months as agreed to on the signed acknowledgement. They will not adjust the cycle correctly. This is not a fair practice and not 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Credit card () with JPMORGAN CHASE & CO. (LA).
Issue: Other

Complaint: Chase is reporting XXXX credit card accounts on my credit reports that are over 7 years old form last active and past the 3 years of statute of limitations of debt collection. Chase/BestBuy Card ( XXXX {$540.00} last active XX/XX/XXXX ), Chase Credit card ( XXXX last active {$2700.00} XX/XX/XXXX ), I have disputed these account to be removed because they are over 7 years old and past the statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Credit card () with JPMORGAN CHASE & CO. (NM).
Issue: Billing disputes

Complaint: Thought charge was fraudulent turned out it was n't. Bank charged back merchants account. I paid merchant again w different card. Reported charge good. They charged card again. Said would refund card in two weeks. Never did. Dragged out dispute. Finally asked for documentation that paid with another card.Sent to them. They now say it came after time in which case was open. Closed case, wo n't refund money even though its legitimately mine.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/29/2016 about Bank account or service (Savings account) with DISCOVER BANK (PA).
Issue: Account opening, closing, or management

Complaint: I responded to a promotional offer which promised {$100.00} if I opened a new Online Savings account with Discover Bank. I completed the application and made the required deposit by the XXXX/XXXX/15 deadline. I have made several inquiries but Discover has not yet given me the {$100.00} bonus it promised. I just want them to comply with the offer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-07-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (AZ).
Issue: Application, originator, mortgage broker

Complaint: In XXXX, Wells Fargo foreclosed on my house at the above address. I have been trying to buy a house, but Wells Fargo is reporting negatively on my credit. I have called them multiple times, but no one will tell me why Wells Fargo thinks I owe them money. I should not owe on a deficiency because Wells Fargo failed to pursue that course of action within XXXX months of the foreclosure. I do not believe I owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (RI).
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint: I made an online {$290.00} purchase of a shower door at XXXX  using my Capital One XXXX XXXX Card.
Very soon thereafter I received a fraud protection email from Capital Once asking me to confirm that this was a legitimate purchase.
That same fraud protection email said " if your purchase funds were denied, please re-purchase '' 1st Capital One should know if they denied the payment. The fact they did n't know made me suspicious of the authenticity of their email, and 2nd and most importantly, I was not aware that my purchases can generally be denied merely because XXXX questions why I am buying a shower door from XXXX XXXX.
I have been a Capital One XXXX customer for at least 10 ( maybe 20 ) years.

Company response to consumer: Closed with explanation