milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-07-2018 about Mortgage (VA mortgage) with loanDepot.com, LLC (CA).
Issue: Trouble during payment process

Complaint: Greetings, I've spoken to numerous representatives and supervisors at Loan Depot about 2 short mortgage payments which they informed me could not be processed and would send the payments back to me in a form of a check. We have been dealing with this issue since XX/XX/XXXX. I received check # ( XXXX ) in the amount of {$1800.00} recently on XX/XX/XXXX and the other check ( XXXX ) which was issued on XX/XX/XXXX was supposed to be stopped & reissued I was told by a rep ( XXXX ) I  would receive my check by XX/XX/XXXX. On XX/XX/XXXX I spoke with XXXX who informed us that my check was still in a suspension account. At that point I asked if I could just make a payment for the difference so that they could process the payment in full. I was told they would be able to accommodate my request. We made a payment over the phone in the amount of {$95.00} to ensure the full loan amount of {$1900.00} would be applied to my XX/XX/XXXX mortgage payment. They assured me they would wave all late charges. The situation was still not resolved I called again and spoke with a Rep name XXXX ( sorry for the spelling error ) he informed me that the misapplied funds were not put into their system correctly to fix the issue. He then assured me that he could fix the problem because it was just a clerical error. He stated it was a matter of putting in the correct code. I asked to speak to a Supervisor he told me XXXX XXXX was going into a meeting and not avail but they would fix the issue. On XX/XX/XXXX I spoke with XXXX XXXX who stated he was a supervisor he acknowledged he understood the situation asked us to give him the opportunity to correct the issue before we went ahead and pursed legal matters. He stated he would make sure the misapplied payment would be applied to my XX/XX/XXXX mortgage payment. All late fees that were assessed would be reversed any negative reporting to my credit would be reversed. I asked for all of this in written which he said could not be given. I asked for an email address he said he would give me that either. I've called to ask for a corporate number which they say they don't have. I've been transferred and hung up on numerous times. XXXX has not called me to make sure this situation gets resolved.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/26/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (OK).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: Why are transactions that are automatically withdrawn from my account not show up on the day they are actually withdrawn? They are appearing after my direct deposit has been made, but then backdated to the day they were actually withdrawn. This then creates insufficient funds fees. I have almost {$200.00} in insufficient funds fees due to this issue. For instance : when I checked my balance on  XXXX / XXXX /  XXXX  , it was overdrawn {$62.00}. On  XXXX / XXXX /  XXXX  , the day my employer made a direct deposit, all of these other charges ( and insufficient funds fees ) appeared suddenly, only they were backdated to reflect that they had been debited previous to the direct deposit. Yes, there have been times when I knew my account was overdrawn and fees would be added accordingly, but the way your system is set up to process transactions is corrupt. This is fraudulent activity and if it continues, you will lose another customer. I know that FDIC has you rated  as one of the top banking institutions in American, therefore you feel you are able  to manipulate the masses as you seem fit, but you wo n't strong arm me. I work too hard for my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-02-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (UT).
Issue: Account opening, closing, or management

Complaint: I received an offer from Citi Bank. The offer stated that if I were to open a new Citi Gold checking account and make two online bill payments in consecutive months that I would receive XXXX thank you points. I called to see if I was eligible before I opened the account and Citi assured me that I was eligible. I opened the account and made the online bill payments. I then sent Citi a direct message asking them if I would receive the XXXX thank you points. They told me that I would receive the bonus points and that I had met the requirements. They told me it would take 90 days to receive the points. It has been more than 90 days and so I sent Citi another message asking about the XXXX thank you points. They told me this time that I was n't eligible for 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 non-monetary relief
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: The credit reporting agency, Equifax, announced on XX/XX/XXXX that a hack has impacted my credit history

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Debt collection (Medical debt) with PMAB,LLC (AR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX XXXX, 2017, I requested validation of this debt, including a contract bearing my signature. On, XXXX XXXX, 2017, I received a copy of a bill as validation. ( Attached ). This is not a contract signed by me and the balance owed states " {$0.00} ''. They are also reporting the incorrect dates on my credit bureau reports. The date of last activity by me, is XXXX XXXX, 2017. The other activity is by insurance and them! This is illegal, as this re-ages the account.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Experian did not provide any method to dispute their findings which were incomplete and inaccurate via any medium they advertise is available Phone, internet etc. Under the law I am entitled to  150  page rebuttal/explanation of any negatives- this was NOT afforded. Report  XXXX . Also they have NOT addressed the security freeze I substantiated earlier was instituted by me and my wife and YOU continue to close the report as if this has been addressed. The issue at hand   XXXX   XXXX   XXXX    was  forced to put incomplete and misrepresentation due to the limitations of response given by Experian in effect setting us up for lower credit FICA score as indicated on my prior complaint today. Opinion I find it repulsive that your agency has not deemed this important enough to pursue further by fruits establishing who you really are and who your really represent! THE SAD JOKE OF THE INDUSTRY IS FICA SCORING WHICH CAN BE PROVIDED IN ANY NMBER OF WAYS BY ANY NUMBER OF LENDERS-

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 08/13/2016 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Delinquent account

Complaint: i am a XXXX and make poor choices. i should not have gotten the credit cards in the first place and know i am stuck with all this debt i am going to file for bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2017 about Mortgage (Conventional home mortgage) with Dyck-O'Neal, Inc. (ID).
Issue: Closing on a mortgage

Complaint: I am selling my house to my ex-wife, XXXX XXXX. When she was ready to close a 2nd mortgage popped up that I had not seen or heard of for 10 years. XXXX XXXX XXXX was the 2nd loan I had orginally taken out to purchase the house. When they went of business I assumed that XXXX XXXX  took over the 2nd loan since they had taken over my 1st loan. I did n't receive anything from any other bank and currently nothing. Eleven years have passed since then and another lender took over for them in the mean time ... XXXX XXXX. I do not have this 2nd loan showing on my credit report. I 've spent 3 weeks trying to find out who assumed that second loan. There 's nothing on the title and no one could help me. My ex-wife finally order a title report and she emailed to them. She is showing on the deed only, not on any of my loans. They told me after a few days that the loan had been sent to collections with Dyck O'Neal Inc. I called them and spoke to a representative named XXXX. He told me that they had it. It had been there for 10 years. It had accrued interest in the amount of {$14000.00} plus the XXXX that was owed. Then he asked how much the house appraised at and how much money my ex-wife was getting back. Then maybe they would consider removing some interest? She was only approved for the original balance. I do n't think this is right. I feel that since they made no effort to get a hold of me and it was n't showing anywhere on my credit report or with the county on the title that that 's not legal. I 've exhausted every avenue and want to get this over. I also believe that the 2nd loan was charged off. Thats why it 's not showing anywhere?

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with EQUIFAX, INC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I phoned the collection agency directly and mentioned this was not mine. The collection for {$89.00} posted on my Equifax Credit Bureau file in 2012 to have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: ( 1 ) A purchase was made was made on a Bank of America credit card for {$180.00} on XX/XX/XXXX ( 2 ) The purchase was billed to me on a bill dated XX/XX/XXXX ( 3 ) This was the first time this purchase appeared on the credit card bill ( 4 ) The credit card bill included interest on the {$180.00} purchase. This is the first time I have ever seen this occur.

( 5 ) Is the Credit Card Company permitted to charge me interest on the purchase without even giving me an opportunity to pay off the charge within the specified time period on the bill?

( 6 ) Today 's date is XX/XX/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 monetary relief
Consumer complaint received 02/26/2018 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (MI).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: On XX/XX/XXXX, XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX received a judgement against me in the amount of XXXX. On XX/XX/XXXX they requested a Garnishment of my state income tax refund. It has been 8yrs and 5mos, way of the SOL for the State of Michigan. This has been off my Credit Report for more than a year now. Now my return is being held. 
I will be filing a objection with the state as soon as I receive their notification in the mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-05-2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (CO).
Issue: Other transaction issues

Complaint: I ordered a product that turned out to be not as advertised. I returned it using the return shipping label that was provided in the package. I tried to resolve this with the seller, who said they run into these types of problems all the time and would refund my purchase minus a 20 % restocking fee. I told them the product was not as advertised and I was owed the full refund. Then the seller said I need to register my email with paypal in order to receive a refund. When I told them I was registered as such, they said they could n't find it and they had " to move on '' and would " not respond to any more emails ''. By that time, it was outside the window in which Ebay could have helped. Paypal said they would help but they need the tracking number, but I explained that the seller would have that because they issued the return label, but they do not require the seller to help resolve this, so no help. I am out my money as well as the product and I only did what was normal, return a product using the label provided by the seller. Paypal could and should refund my money. Paypal protects sellers who are crooks and scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: On XX/XX/XXXX XXXX XXXX XXXX XXXX fraudulently pulled an unauthorized credit report on me without my consent. I spoke to XXXX XXXX on XX/XX/XXXX and as he was reading from my file he then followed up with " we purge files after XXXX months and then stated that yours is now purged. '' I have sent certified letters, emails and additional correspondence which he will not comply or provide information requested to explain why it was pulled or who requested him to pull the credit report. As of now, I have hired an attorney to subpoena the records and time will tell whether he will comply or not. Attached are correspondence with XXXX and information provided by XXXX that they pulled an unauthorized report on me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/18/2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: My husband and I have recently successfully completed our chapter XXXX bankruptcy. During the bankruptcy the company demanded large payments throughout the entire year of XXXX of a total sum of around {$44000.00} that has not been accounted for. Toward the end of our bankruptcy we received letters from the mortgage company who took over or bought or loan stating our current mortgage, escrow was substantially increased and they demanded payment and recently we received a certified letter dated XXXX XXXX, XXXX, that they have not received most of our payments for XXXX and a ( Notice of Default and Notice of Intent to Foreclose ) on our property. Our bankruptcy attorney reached out to the company and so did I, but the company would not return or respond to our concerns or answer any of our questions. The company is asking for a sum of {$13000.00} which continually fluctuate. The company also said they did not know of our chapter XXXX had been discharged, but a CERTIFICATE OF NOTICE was also sent to their location. I have a letter that I 'm going to forward to their office which their office would prefer me to fax. I asked if they had a physical address and the reply was no they are a call center. I have supporting documents to validate that their accounting is not accurate. My loan is a conventional fixed loan, so I do n't understand the increased amounts of our monthly payments ; increased principal balance we owe ; increased escrow account ; the company is refusing to accept conforming payments an imposing unreasonable charges, fees and other charges I do n't feel we are legally obligated too. Please investigate this case I will forward the supporting documents I have. 
Sincerely,

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 04-11-2017 about Credit card () with TD BANK US HOLDING COMPANY (VA).
Issue: Billing disputes

Complaint: XX/XX/XXXX charge credit card {$1700.00} call credit company explain just found now ex-room mate made charge while out town without my permission they told me call company charge made to XXXX online charge call them lady said talk to her boss see refund charges back to me XXXX refund me {$1400.00} call td bank credit card company when got statement told them that did not refund whole amount so they XXXX all XXXX of us talking on phone charge {$250.00} for shipping well online store have free shipping lady said be too much lost of amount told lady was not aware of charges file police report this not right merchandise that was order never came to my residential such big item exercise equipment that item had set up day/time for XXXX to delivery never delivery send back to XXXX lady from company said call me back 3 days she never call me back again wait 5 days call TD credit card saying never call me back file dispute against have copy police report with case number sign paper work should get 10 working days NEVER received paper work again call TD bank told never got paper work that this time send paper again attack copy police report fill paper will be case number i been dealing with TD BANK from XX/XX/XXXX-XX/XX/XXXX they are not good credit card company this disputes was handle very poorly NOW final got letter saying case is close more than 60DAYS this going on and on since XX/XX/XXXX-XX/XX/XXXX how can this dispute be close on top this letter sent me was wrong amount that was dispute letter amount {$1700.00} that should be {$250.00} and still make payments on dispute charge of {$250.00} that all own them anyway not going use this card until remove and credit money own me if professional when call about this amount in XXXX should been removed from my bill when ask dispute lady dispute amount appear statement she told me it up to me if send in monthly payments of dispute amount good thing did because they did not know what they are doing my credit will be ruin messing with TD BANK dispute amount should been remove until been resolve lastly call TD BANK ON FRIDAY XX/XX/XXXX ask them what can be done they suggest calling XXXX again put me on hold lady could not find there telephone number than want me write letter to TD BANK to reopen my case XXXX since too longer than 60days explain that was not my fault this case start in XX/XX/XXXX -XX/XX/XXXX something should been done and finish i was in right time frame when file dispute not my fault that TD BANK dispute department fell there commitment handle within 60 days item was charge on credit card without my permission on XX/XX/XXXX for {$1700.00} the credit back {$1400.00} not shipping charges like said was not ship to my home merchandise at XXXX location waiting for day/time be delivery never delivery still paying on this dispute from XX/XX/XXXX UNTIL NOW THIS IS XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I 'm at my wits end with these credit bureaus! I need help from someone before I get my attorney involved! I have accounts that are being reinserted on my file that were deleted previously. Some of them have been deleted and then reinserted and then deleted and then reinserted, etc. Each time they reinsert, I write to get them removed again. i am a victim of identity theft and all of these accounts were on the police report. I am so tired of this. At no time EVER did they notify me of the reinsertions, therefore, they must be removed solely based off of that! You will find the disputed accounts in the attachments.

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 03/30/2017 about Consumer Loan (Vehicle loan) with FORD MOTOR CREDIT CO. (OR).
Issue: Managing the loan or lease

Complaint: I HAVE HAD FMC SINCE XXXX -- - BOUGHT XXXX TRUCKS -- - AT THE END OF MY LAST LOAN ON MY XXXX - WAS PAYING IN ADVANCE - AND MORE $ $ PER MONTH TO HELP MY CREDIT FOR TWO YEARS SOLID -- I HAVE XXXX ID THEFT PROTECTION -THE FIRST THING I NOTICE WAS A LATE PAYMENT FOR XX/XX/XXXX -- I WAS PAYING OVER THE PHONE @ THAT TIME -- THE PHONE SYSTEM WAS EXPERIENCING TECH PROBLEMS -- SO I ALWAYS CALL THEM TO KEEP UP DATE -- AND I DID NOT TRUST THE PHONE PAYMENT LINE ANY MORE - BECAUSE I TRIED TO USE AGAIN -- TECH PROBLEMS AGAIN -- -SO WENT ON LINE -- -- KEPT MAKING PAYMENTS APPROX XXXX -- -OR MORE -- -WELL ON LINE SAYS IM LATE -- CALLED -- -ABOUT AFTER THE 5TH CALL AN AGENT SAID " O I SEE THEY WANT A FINAL PAY OFF FOR {$990.00} APPROX -- -- -SO HE WAS TO FAX ME A AGREEMENT TO CONTINUE THE REGULAR PAYMENTS AMOUNTS -- @ XXXX A PRIVET MAIL SERVICE -- -IT WAS BEFORE THANKSGIVING -- I WAITED -- WAITED -- NEVER FAX TO ME THE AGREEMENT -- SO CALLED AGAIN -- -THEN OVER A WEEK WENT BUY BECAUSE OF THE HOLIDAYS -- -- CALLED AND FOUND OUT THEY SENT IT IN XXXX -- I GOT BUT IT WAS TO LATE - THE DOC WAS TIME DATED!! -- THEN I LOOK ON MY CREDIT REPORT XX/XX/XXXX SHOWS A LEGAL ACTION -- THEN A LETTER TO FOLLOW TO REPO MY XXXX FOR {$390.00}! -- -- OF COURSE I PAID IT OFF -- BUT MY CREDIT WAS WRECK -- - AND MY SON WAS GETTING MARRIED AND WAS GOING TO GIVE HIM A CREDIT CARD FOR HIS HONEY MOON AND WAS TURNED DOWN -- -FOR THE FIRST TIME!! THEY DID THIS ON PURPOSE - BECAUSE THEY FIGURED A NEW TRUCK I WAS TO BUY AND IF THEY TRASH ME AT THE END I WOULD GET A MUCH HIGHER % RATE FROM FMC! -- -- THEY NEVER DO SHOW THE LOAN WAS PAID IN FULL ON MY CREDIT REPORT -- -ONLY THE CHARGE OFF!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2015 about Credit card () with CITIBANK, N.A. (NC).
Issue: Advertising and marketing

Complaint: I signed up for the Citi XXXX XXXX credit card with the agreement that if I spent {$1000.00} in the first three months I would be awarded XXXX bonus miles. I met that obligation and was awarded the points on XXXX/XXXX/15, however Cti sent those to account that was not mine and have refused to correct it saying I needed to go to XXXX XXXX to correct. XXXX told me that Citi needs to correct their error as they can not link my account to the account the miles were sen to. I gave Citi the correct fredquent flier number when i signed up for the card. In my latest attempt with Citi to correct this I was told they again sent it to XXXX and I would have to wait 30 days for a response. It has been almost two months since I was awarded the point but have failed to be credited to me. I expect the XXXX point I earned to be credited to my correct account : XXXX. I also expect Citi to make sure than any other miles I have earned are also credited appropriatly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation