milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/22/2016 about Bank account or service (Other bank product/service) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Account opening, closing, or management

Complaint: I have a Home equity loan that was opened in XXXX XXXX. Huntington National bank has sent me a letter dated XXXX XXXX XXXX saying my ten years for my access of funds expire in four months. Then someone from Huntington calls me and takes my income information and sends me a letter that they need to get my income to debt ratio corrected. So they want to increase my credit line at a higher variable interest rate of 4.50 % presently 2.50 % and pay off my car and credit cards. It sounds good but they did the same thing last year and that guy said I did n't qualify for the new loan since I retired and so nothing changed, I could access my credit line and just pay interest if I want. Both time they said if I do n't get the new loan I will need to have a 20 year loan and pay monthly payments 5 times what I am paying now. I do n't understand why did n't this happen in XXXX XXXX instead of now? I told this last lady that I guy from your bank called me for the same thing last year but I did n't qualify for a new loan and she said well I will check but have not heard back from her about that. Just an email saying how happy she was that I was initially approved for the loan but needed to send in all my income proof. And another lady would be calling me. I just do n't understand any of this? Are they just trying to get me to pay more interest and a larger loan?

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Payday loan, title loan, or personal loan (Installment loan) with GVA Holdings, LLC (CA).
Issue: Charged fees or interest you didn't expect

Complaint: Predatory lending practices.     The fees were outrageous, in the neighborhood of {$5000.00} on top of a {$2000.00} loan. I made a larger payment last month ( {$1000.00}  )  in an effort to reduce the amount of interest being charged. I called them this month, and they indicated that I did n't have another payment due until  XXXX . Ostensibly, they interpreted the large payment as several payments in advance in an attempt to tempt me to continue the loan, not pay again for several months, at the same time accruing the predatory interest fees. Under the circumstances I just paid it all off, causing much harm to my financial condition but it was more favorable than paying the principal amount several times over.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Debt collection (Payday loan) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I was called at work, and asked a representative of the company to remove my number because I can not be contacted at work and she just kept speaking over me and asking about payments, and refused to agree to remove the number.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: I transferred money to my friend ( A ) using Bank of America mobile banking. I put in phone number and full name when I submitted a transfer. My friend ( A ) thought his phone number was registered with BOA mobile banking because the banking center told him he could use him number for mobile banking when he was opening his account. Also, he got text messages confirming the transfer and that his account would be credited. However, the money did n't go into his account but went into different person 's ( C ) account because that person 's account was registered with that phone number. So I explained to BOA about the case and they said they would start the investigation. They told me that they have to get a verbal authorization from the person who has the money ( C ) in order to take money and give it to me. However, they told me that they had to deny my case because they could not contact the person who has the money ( C ). They said they could only contact them via phone, but that phone number is now owned by my friend ( A ) so every time they called, my friend answered the phone. I asked BOA if they could send the person who has the money ( C ) an email or actual mail asking him/her to give the bank a call about the case, but the bank refused to do so. They said they can not do that. They said I have to take a legal action in order for them to release other information such as address or email address of the person who has the money ( C ). I complained about the fact that the money went into a different person 's account even though I entered the name of the person I intended to send money to ( A ) ; however, the bank said that they only use the phone number to match the account and the name is only for my reference. As of now, the bank is not cooperating to contact the person who has the money. There is no way for me to contact that person because I do n't know anything about the person besides the fact that his/her old phone number is registered with the account so my money went into his/hers.

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 03/27/2017 about Debt collection (Medical) with ALCHRO INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Collection agency could not validate debt. Removed collection from only XXXX credit reporting agency file. Debt still remains in collections on remaining credit reporting agency files.

Company response to consumer: Untimely response
Consumer complaint received 09-07-2017 about Mortgage (FHA mortgage) with Fay Servicing, LLC (TX).
Issue: Struggling to pay mortgage

Complaint: On XX/XX/XXXX I lost my job. I applied for a loan modification through the current mortgage XXXX XXXX. I was approved on XX/XX/XXXX for a modification. On XX/XX/XXXX my loan was sold/transferred to Fay Servicing. Fay Servicing did not honor the modification and denied my assistance. I applied various times for a modification and was always given the round around. I was told to submit the applications various times. I submitted the application a total of four ( 4 ) times with various requests to submit the same documents over and over. I am submitting my application and the approval letter from XXXX XXXX approving my modification. I have contacted Fay Servicing various times through phone calls and emails, but no replies. I have even contacted the lender, XXXX XXXX XXXX. To date, I have had no luck in communicating with Fay Servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have sent numerous letters to the three credit reporting agencies and also the companies involved asking to remove inquiries. I keep getting the run around credit bureau says to contact customer who put the inquiry on, the company says they ca n't remove to contact the credit bureau. 

None of these inquiries have been marked as disputed on my credit report, I do believe these are supposed to be verified just like any other thing on my report that I dispute.

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 04-07-2015 about Debt collection (Medical) with Cheryl A. Warzynski PLLC (AZ).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: I attended a hospital that was " in network '' due to an emergency back in 2013. This hospital was in-network and selected by myself as we could not afford additional costs associated with non-network service providers. My insurance company at the time was XXXX of AZ. 

During my procedure that followed the emergency room admittance, and without my knowledge or consent I was treated by an non-network anesthesiologist. Later determined as XXXX XXXX. Neither the hospital or XXXX XXXX informed me in advance that he was out of network, and at that time I had no reason to suspect otherwise. 

After the procedure was completed, I was presented with bills from XXXX XXXX that we submitted to my insurance company. On review of the bills by my insurance company, they rejected all due to XXXX XXXX being a non-network provider and stated that I was responsible for it in full. I challenged this as I understand also ( By research ) that there are laws to protect me in this situation. The insurance provider said that they will re-process the charges for payment and requested a co-pay from me ( $ XXXX ). About 2 Months ago my insurance company reverses the decision and issues a refund of my co-pay with no explanation. 

Almost immediately XXXX XXXX proceeds and refers the file to lawyers for debt collections and the pursuit of payment of {$1400.00} and through the lawyers they are threatening legal action and legal judgement against me. I challenge the lawyers because of the events and that I did not agree to these services being performed by him directly and explained everything as I have outlined. The lawyers response was to continue to intimidate and threaten legal action and also referenced that I collected a check from the insurance company ( which was Actually the refund of my co-pay ). 

I proceeded and paid the lawyers ( Under duress due to the continued threats ) the amount in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I applied for a credit card with XXXX. They approved me for {$300.00} on XXXX XXXX, on XXXX XXXX, I called them up and told them that I was not interested in their card and did not want to continue with the application. Now, on my credit report I see that they are reporting that I have a credit card with them and a balance of {$75.00}. When I called them and the credit bureau I was told that the account is going to be reported as closed. I was only 48 hours when I decided I did not want the card and therefore this card SHOULD NOT BE ON MY CREDIT REPORT AT ALL.

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 09-09-2017 about Money transfer, virtual currency, or money service (Traveler's check or cashier's check) with ZIONS BANCORPORATION (CA).
Issue: Lost or stolen check

Complaint: I found a cashiers check dated back to XX/XX/XXXX that I had misplaced in the amount of {$5000.00}. issued by XXXX XXXX XXXX located in XXXX Ca. 
I deposited it in to my personal checking account at XXXX XXXX on XX/XX/XXXX. I was notified by XXXX  XXXX that XXXX XXXX XXXX refused to pay. I contacted XXXX XXXX XXXX to reissue me a new cashiers check which they refused to do. They referred me to California State Controller Dept. of unclaimed property. California State Controller Dept. referred me to you Consumer Financial Protection Bureau. 
I am including all records and contacts regarding my cashiers check. 

After researching for XXXX XXXX XXXX we have found this bank is now called California Bank & Trust 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 02-02-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Billing disputes

Complaint: My case XXXX which is about predatory tending practices on the part of the GM Card continues to be unbelievably unfair. After submitting complaints here, the company has ... for two months ... .toyed with me, giving me over to different managers or case workers, not called me back after I 've left multiple messages with the person they claimed I was supposed to call, mislead me about my options, down right lied to me about solutions, and then, ultimately told me that they refused to help me since I had not been able to afford to pay off my entire balance. 
What is so wrong now is that they are literally playing games with me ... they left me a message over a week ago and I 've called that specific person back many times and she wo n't call me back ... I even had a manager reach out to her to ask her to call me back and she wo n't. This credit card company is behaving so badly. Please follow up with this and publish the details of my story. Everything they have done should be public.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Debt collection (Other debt) with National Credit Systems,Inc. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: National credit systems is attempting to collect a debt not owed. The lease was terminated in civil court.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with WEBSTER BANK, NATIONAL ASSOCIATION (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XX/XX/XXXX I had a civil claim judgement against me in favor of Webster Bank. The amount that I owed was {$4600.00} I have paid this balance in full with a final payment of {$1000.00} on XX/XX/XXXX. I have tried to get in touch by phone several times with the fraud investigator who handled this case and who also works for Webster Bank. Her name is XXXX XXXX. She never answers the phone and I have called her number XXXX and left numerous voicemails and she does n't return my calls. I am only calling her to see if my final payment of {$1000.00} was received and she never answers her phone or returns my calls. I am showing on my XXXX credit report that this public record against me is still listed on my credit file which it should n't be since I made the payment in full. I want this removed from my XXXX credit file as soon as possible. I have every receipt to prove that I made the total payments of {$4600.00} that I owed and can furnish all of the receipts if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I sent 2 certified letters to Experian, XXXX, XXXX  and XXXX asking them to VALIDATED this account ( not a verification ) and send a copy of original documents that has my Wet Seal Signature on it with Certified Copies of the TRUE BILL ( not a statement ) I was informed that this did not apply to them and they didn't have to VALIDATED or do anything amd they closed the case without sending the Proof that the account was in fact VALIDATED etc. I requested information and it was disputed and refused NOW I DEMAND THAT THIS ACCOUNT BE VALIDATED WITH EVERTHING ELSE I HAVE STATED ABOVE and i be sent proof ASAP or in 15 days as allowed this needs to ne sent ny email XXXX and by mail XXXX XXXX XXXX  XXXX XXXX XXXX California XXXX demand they send proof to me ASAP by mail and email of te results or I demand the account be removed ASAP

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 08/18/2015 about Mortgage (Other mortgage) with PNC Bank N.A. (VA).
Issue: Application, originator, mortgage broker

Complaint: We met with our loan officer and established a closing date 60 days out and were told that was a reasonable amount of time to have our loan processed. We repeatedly inquired as to the status on our loan and were told that everything was ton track. Our loan officer informed us that all was set with the loan 2 weeks before closing. We then terminated our lease with our apartment complex to be ready for moving out. One week later ( one week before closing ) we were told that the loan would take another month. The loan officer then was not available to be contacted for another 4 days. My family was displaced, had to put our personal belongings in storage, and had to continue to wait. The loan officer had 60 days to complete the loan but had not even cleared it from underwriting by the end of the 60 days. A week after the closing date we were informed the loan had finally cleared underwriting and was submitted. We waited another week, inquired once more as to the status, and found out the loan had actually still not been submitted. It then took another week to submit. We submitted a complaint and the loan officer said they would lower our interest rate. We then received a good faith estimate in the mail. The interest rate was lowered, but the closing costs were then increased ( which we were not informed would happen ). We complained once more and spoke to the loan officer 's manager who informed us that they would credit some of the closing cost increase, that nothing else could be done, all actions by the loan officer were in compliance of their standards, and that we would not be reimbursed for any of our related expenses. We complained once more to a third party and were again told that nothing else could be done. We incurred storage costs, rent costs, transportation costs, and XXXX during this whole experience.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-03-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Transunion and XXXX will not remove inaccurate information from credit file. Filed disputes twice to remove inaccurate information on XXXX Account, remarks reflect Chapter XXXX Bankrupcty, in which I did not file bankrucptcy and there is no public recording of bankruptcy. I paid the auto loan in full and obtained proof of ownership and pink slip from the lendor ( XXXX ) However they will not remove from my credit reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-02-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: My daughter XXXX XXXX is being listed as my spouse on my credit report. She is my daughter and not my spouse.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/25/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (AL).
Issue: Account opening, closing, or management

Complaint: I attempted to open a bank account with Wells Fargo and was denied. I was advised that my denial was based upon a reporting to XXXX by XXXX XXXX XXXX. I asked if it was reported to XXXX because I have monthly alerts from XXXX and there is no record of XXXX bank on my credit report. The Wells Fargo representative stated that it was not XXXX because if it was I would still qualify for a XXXX chance account. He gave me a paper to contact Experian and was certain that the reports to the credit bureau was the reason for my denial. I pulled all XXXX reports and there is nothing reflecting XXXX bank. May I please know the accurate reason why I was denied an account so I can attempt to resolve the issue? 

Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Debt collection (Other debt) with Ballybunion Enterprises, Inc (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I was contacted by a company XXXXXXXX XXXX XXXXXXXX on XXXX XXXX 2017.  They only call by a blocked number. They called my husband discussing a debt that he had no idea about. The debt is not his. They threatened him that if a payment was not made they will garnish his wages and take his tax returns. When I was able to finally talk to someone at the company they were discussing a debt owed to a company by the name of Military Credit Servies it XXXX XXXX XXXX. The debt is not listed on my credit report, this debt is also 4 years old. The gave me an amount that was higher than I though and demanded if I dont pay the full amount or a down payment that they will garnish my wages and take my taxes. I couldnt afford that down payment so we made an arrangement until the down payment was paid fully and then monthly payments after that until the debt was paid off. Something did not seems right as if it was sketchy so I attempted to contact the original company I originally got the loan from but they could not provide me any information. They said it was sold so they could not provide any information. I contacted XXXXXXXX XXXX XXXXXXXX again trying to get the details of the original loan and what was the amount owed. I wanted to see previous payments and when the payments stopped etc. The guy was pretty demanding and hostile so told me if I keep calling his office to get information he will take off the deal and just garnish my wages and my husbands. He could not provide me with any original details of the debt. He told me to contact the original company. The original company told me to contact XXXX XXXX XXXX. Neither one of them are able to give me anything. The attempted to charge my account for the down payment but I never signed and return the agreement to them until I knew for sure what was going on. They attempted to contact me again saying that they will file a suit against me to garnish my and my husbands wages. I am still not able get any information about this debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Credit card () with SYNCHRONY FINANCIAL (NE).
Issue: Credit card protection / Debt protection

Complaint: Had to get some dental work done so the dentist referred me to this Care Credit card that they were advertising on the counter there was no talk about interest on top of the high Bill as it was after paying XXXX years on it the bill is higher then what original total was all these years later now they are trying to garnish my checks for a XXXX total turned into XXXX

Company response to consumer: Closed with non-monetary relief