milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/23/2015 about Debt collection (Auto) with The LGM Co., Inc. (OH).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: Collector came to my door with a police badge on saying he was coming to collect payment on a car that I turned in already.

Company response to consumer: Untimely response
Consumer complaint received 02-10-2016 about Debt collection (I do not know) with Convergys (NM).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was recently assigned a phone number on a new line of service. 
This line is receiving more then 6 calls per 24 hour period, including calls outside of reasonable hours. All calls are from the same incoming telephone number. 
I have called the collector back and advised that this is a newly assigned telephone number, and I am not the person they are attempting to reach. 
The company refused to identify what company they are, and has continued to call after my request that they discontinue and are reaching the wrong person.

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 07/14/2016 about Credit card () with CITIBANK, N.A. (UT).
Issue: Credit card protection / Debt protection

Complaint: I noticed a fee charged to my best buy credit card as Debt protection. I only use this card for large TV purchases and have the account set up on paperless billing and automatic payments so I rarely view my statements. I contacted Best Buy regarding this charge and that is when I was told that it has been on my account since XX/XX/XXXX when I opened my credit card with them. I advised them at the time when I opened this account that I do n't qualify for this services because I am considered self-employed as an independent contractor and declined the protection. I worked as an independent contractor from XX/XX/XXXX to XX/XX/XXXX. I believe that they falsely enrolled me into a services knowing that I did n't qualify for there benefits and by them enrolling me into paperless billing is an easy way that this charge goes unnoticed. There were numerous months were I did n't have an income since I was an independent contractor and work was slow I was n't given any information that these benefits I am extremely upset that I trusted this company that they would n't steal from me. I have since requested proof of my acceptance of this service and a full refund of all monies charge to my account. It is unclear how much I have been charged over the years since I do n't have access to view older statements online and I have always been enrolled in paperless billing. However if they charged my account without permission I have little faith that they will correct these matter to my satisfaction. If I have too I will seek legal action.

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 Vehicle loan or lease (Loan) with BB&T CORPORATION (OH).
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint: We purchased a XXXX XXXX XXXX inXX/XX/XXXX.  The loan was purchased by XXXX XXXX inXX/XX/XXXX. Account number XXXX. The balance at that time was XXXX ( see attached payment history ). The current balance is XXXX. The payments are just under XXXX per month, that would be XXXX payments through XX/XX/XXXX. We have had XXXX skipped payments which leaves a total of XXXX payments of XXXX a total of XXXX paid. 
I understand fees and interest but to have paid XXXX on a loan with the beginning balance of XXXX and the balance has only dropped XXXX is unbelievable. Due to these facts we are voluntarily surrendering the vehicle. We will never be able to pay it off at this rate. 
I don't want to be responsible for the balance of the loan after XXXX sales the it. 
What legal action can I take. Is there a class action suit I can take part in.

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 03/25/2016 about Bank account or service (Checking account) with Fidelity National Information Services, Inc. (FNIS) (MS).
Issue: Account opening, closing, or management

Complaint: I have been denied opening a bank account due to incorrect information that Certegy continues to send to Chex systems and other check writing agencies. The following banks have refused to open an account in my name. Bank of the XXXX, XXXX XXXX, XXXX XXXX due to the inaccurate information they continue to send. I have contacted them and they have refused to clean up their error. I have also not been able to cash checks at XXXX due to this error.

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 03/23/2017 about Debt collection (Medical) with Account Managers, Inc. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Grimm collections repeatedly called me after chapter XXXX was filed ... even as they were accepting payment from the court. Bankruptcy is complete and they are still calling me attempting to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Credit card () with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Closing/Cancelling account

Complaint: I cancel the credit card because I was unhappy with the customer service and the business practice. The credit card was cancelled XX/XX/XXXX but despite numerous attempts to close the credit card account ( each time I was told the error had been corrected, the account was closed with XXXX balance ). These attempts including reach out to Consumer Financial Protection agency ( Case # XXXX & XXXX ). So far, I have XXXX written confirmation letters from HSBC pertaining to the closing of credit card. But despite the confirmation letters, HSBC decides to harass me yet again about the account that I close XX/XX/XXXX and demand payments. There is very little an individual can do against a big financial institution like HSBC. I was diligent in making payments, contacting the bank to close the account and I have the letters from HSBC confining it is close. But none of this matter when HSBC can decide to send me a statement demanding payment and and resume the harrassments. Even letter from HSBC with the agency case number does not stop the bank to come after me again.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I am currently refinancing my home and consolidating my credit cards and have been shopping the rates among different lenders. My credit scores have been in the XXXX 's or higher for more than 20 years. I still have an activity revolving account from college which I opened 26 years ago. I have had a mortgage for 14 years. The youngest credit card I have is 9 years old. When the lenders checked my credit scores and mailed me the credit score exception aka the risked based pricing notice. XXXX and Transunion both furnish blatantly false information which brought my scores down. On the notice which stated key factors affecting your credit score Transunion falsely stated that I had insufficient length of credit history. XXXX falsely stated length of revolving account history is too short. This false information has the affect of driving down my scores and allowing these lenders to justify charging higher interest rates and fees. XXXX just has my score at XXXX and stated that I had high balances on revolving accounts. 
I called Transunion and asked a supervisor about the notice I received and the information they have provided. He denied the fact that the information had come from Transunion. I read out loud the credit score notice to him and he again denied that Transunion gave them that information. He said that each lender runs their own credit score modeling reports and uses their own key factors. He then sold me a credit score report for {$10.00} that had my " real factors '' that affect my credit score. I should get it in the mail in 5-7 days  for security purposes. I did a search on the internet and saw the news release that the CFPB had in XXXX XXXX fined XXXX and Transunion XXXX XXXX for their deceptive marketing of credit score reports to consumers. I filed a dispute with TransUnion, XXXX and XXXX and requested they cancel my order and decided to file a complaint with CFPB. 
I still feel trapped because I have already locked my rate the refi my home and I am not sure if I should move forward or wait to until my credit is re-scored. My lowest score was XXXX and most people would be happy with that, but if my true score is higher why should I have to settle at XXXX. It 's really frustrating because the debt I have been carrying really bothers me but I want to get the best deal I can. I hope this helps someone else when dealing with these crooks as know as the credit reporting agencies.

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 01/20/2016 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: PNC Mortgage regularly tries to bill me for payoff statements I never ordered. They send these fees to people knowing that many people will pay without questioning it. At least three times they have accused me of ordering a payoff statement and tried to bill me {$15.00} for it. I called and demanded explanation. They could not provide one, but they told me a firm called " Both Hands '' is authorized to do this to me, having access to my account. My daughter is also on the account in case of my demise. My daughter has no idea what a payoff statement is, she has no reason to order that, she doesnt even have any information about PNC nor does she care. I called " Both Hands '', a foreclosure counseling service, who told me they never ordered such a thing. PNC tells me these are the only people who would be allowed to order a payoff statement, yet neither one, nor I, did. I know that PNC is extremely deceptive, they lied to me continuously throughout a modification process. I know they are claiming payoff statements are ordered when they really are n't, just to make an extra {$15.00} off of as many non-suspecting people as possible. I know they are doing this on purpose and no one will listen to me. I have complained about PNC before, when they kept lying about modification documents, saying I never sent them when I in fact did, and saying my property was in a trust which is was not, and they would use these excuses to put my home back into foreclosure status over and over and over again, and the more they did this, the more fees they would charge me and the longer it would take, which would cost me more fees. PNC is extremely deceptive and not to be trusted. They need to be investigated and shut down. They are stealing from the public, and unless government agencies are in on the deal, they should shut down PNC Mortgage.

Company response to consumer: Closed
Consumer complaint received 06-01-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (MN).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Navient continues to set up my payment amounts incorrectly , resulting in me having to make multiple phone calls to get to the bottom of the issue. Every time I speak with a representative about what 's going on with my account, I get a different answer about what the representative did wrong. I am then told the issue is " fixed '' and it ends up being fixed in error and the whole process starts again. I do not trust that they know what they 're doing, nor do they communicate well with their customers.   Currently my account shows a past due amount even though they set up my automatic payments for me and assured me that it was done correctly this time. I am very frustrated that this company ca n't seem to figure out what is going on with my account, leaving me feeling like I 'm paying monthly payments without it actually being applied to what it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have a lot of fraudulent inquiries that are not mine on my credit report with Transunion. I 've addressed this issue with transunion when I sent them letters about the inquiries as well as other accounts on my report that do n't belong. All of the inquiries were removed from my report and then reinserted without a 5 days notice which is an FCRA Violation. I 've reached out to them on numerous occasions and the representatives would tell me I have an extended file. They stated sometimes it will show no inquiries depending on while file being reported. This is against the law and I want these inquiries removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (NC).
Issue: Managing the loan or lease

Complaint: I am disputing GM Financial on my credit report I received notification from them that they did provide correct information to all three credit agencies for my payment record and my date for when the account first became delinquent. After reviewing my credit reports this was not true. The collection agencies have Re-aged this account and it is showing XX/XX/2014 as the last payment made. This does not match the date of my last payment to the original creditor. I am in the process of moving and this error is causing a problem with my credit report reporting properly.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Mortgage (Conventional home mortgage) with FREEDOM MORTGAGE COMPANY (HI).
Issue: Trouble during payment process

Complaint: Freedom Mortgage XXXX https : XXXX XXXX started charging me fees within 60 days of loan transfer. Their customer service told me that their records show that loan got transferred on XXXX. They did not send welcome letter and did not set-up my account until end of XXXX. Late charge was charged without any notification and did not meet federal rule of 60 days. This is clear violation of consumer protection rules and these agencies trying to steal from ordinary consumers should be investigated. 

Principal {$780.00} Interest {$1300.00} Escrow {$250.00} Late Charge {$100.00} Fees {$0.00} Total Amount {$2500.00}

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 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I am a scam and Identity victim. Two people scammed me, took my credit cards, drivers license and open additional accounts in my name.     I filed reports with the following : Police, FTC, CFPB, The Attorney General and the  XXXX   county DA  office.     There are quite a few people who were scammed by  XXXX   XXXX  AKA  XXXX   XXXX   XXXX  and  XXXX   XXXX  AKA  XXXX   XXXX . There are  six peop le that have filed police reports on thes e two a nd we are all working together toward getting justice.     Now, I have disputed the charges on the Ban k of America CC. T HESE CHARGES ARE FRAUDULENT.     Ban k Of America ca me back with a statement and a copy of  XXXX  transaction telling me that this is my signature. Its very clear ... that its not my signature. I explained that to BOA and I was told they would reopen the investigation. That has never happened.     Since them I have been harassed to pay this since  XXXX     2016. (  10 months ) Despite the numerous letter and attempts to resolve this issue.     I will repeat myself, these are fraudulent charges on these  XXXX  accounts. Its time to come to terms with this.     The credit bureaus have removed the accounts. Now I request that BOA remove all fraudulent charges.     PS : I can provide witnesses and police report upon request.

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 10/26/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Other fee

Complaint: In XX/XX/XXXX I was approached in XXXX XXXX while waiting to board a XXXX Airlines flight and asked if I would like to earn free XXXX flights by signing up for a credit card. I asked if the credit card had an annual fee ant the sales person said there was no annual fee and there would be no annual fee. On that basis, I applied for a XXXX branded credit card issued by Bank of America by giving the salesperson which he entered into a tablet. Over the course of the next year, I accumulated over XXXX points ( miles ) which could be used to reduce the cost of airfare with XXXX Airlines. In XX/XX/XXXX, I received a letter from BoF thanking me for being a customer and informing me that a {$59.00} annual fee would appear on my XXXX credit card bill. I immediately called Bank of America and they informed me the charge was XXXX Airlines responsibility. Tey even gave me the phone number and phone tree sequence of number to reach XXXX. Upon calling XXXX, I was informed the charge was not theirs, but would be generated by BoF. Whin I called BoF again, they acknowledged the charge was an annual fee for that particular credit card. They refused to waive the fee and reminded me I would lose all benefits if I cancelled the card. Having been backed into a corner, it appears the correct economic decision is to bite the bullet, pay the annual fee, and use the miles as quickly as possible before cancelling the BoF credit card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: My complaint is on Experian. My husband and I have been working on our credit for awhile now. We have spoken with credit experts and have been doing all of the things we can to help our score go up. We are trying to buy a house we have been since before the housing bubble popped. Our credit took a nose dive after 2009. But we 've been working on it, like I said. My husband 's score has been going Slowly up for months now. Mine have also Except for Experian 's. I called and spoke to Experian for 3 HOURS trying to find out what I could do to raise my score even ONE point. They explained to me that they do n't have any type of record in what my score has been. That the only way they could help me is to buy their membership. I did and they still would n't tell me things like what can be done to help my score. They would n't tell me or send me information on the formulae to which is used to come to my score. 
Now I used more than 30 % this past month for XXXX and I 'm still paying everything, yet Experian sent me an email stating my score had DROPPED 29 point, ..29 POINTS?!?! When I worked for months monitoring and paying and keeping low balances and my score did n't move a SINGLE point! 
FICO is supposed to be a part of the FAIR Credit Act are they not?! How is it FAIR credit scoring when there is NOTHING I could do to make my score jump UP 29 points in a single month but it 's completely possible to jump DOWN 29 points in a single month ... and Did?? 
That is NOT Fair Credit Scoring! 
As Americans we trust that our governtment, especially when they are supposedly monitoring for fairness, that they ensure that Fairness! 
My husband and I are good people. We do n't mind playing by the rules. We are hardworking American citizens and we deserve to just be treated fairly to the rules we follow, ourselves. 
I am sending a copy of this to my state representative, as well.

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 08/29/2015 about Bank account or service (Other bank product/service) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Account opening, closing, or management

Complaint: I also hold the Capital One business card something happened funny about this situation to cause me to lose my whole bank account cleared my account and took my {$50.00} and would n't open my account said I need to pay {$50.00} again in the corporate office reported that nothing was wrong with my account they had fixed everything back the way it was the bank say I do n't owe them nothing but I have a big amount right there showing that they sell old money and when I 'm clear day old XXXX XXXX card in the name of XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I fell behind on my payments because I lost my job and did not have an income until XX/XX/XXXX. I attempted to modify my loan on several occasion with my lender and was never approved. I applied for a modification XX/XX/XXXX and continued to provide all of the documentation needed to complete my review.. On XX/XX/XXXX after having emailed my representative all of the documentation needed to compete the loss mitigation packet, I was advised that the lender would escalate my request to postpone the sale of the property scheduled for XX/XX/XXXX. On the following day, XX/XX/XXXX, I called the lender and again confirmed that the supervisor had requested a postponement of the foreclosure sale. On XX/XX/XXXX, and XX/XX/XXXX I called the lender and again was assured that the foreclosure sale would be postponed. Please note that, I had consulted an attorney and if the lender had told me that a postponement was not going to be approved, I would have filed for protection under the bankruptcy laws. On XX/XX/XXXX, I called the lender and they advised me that no postponement had been submitted, and that the property was sold at foreclosure sale. I have confirmed with the trustee that no request was ever submitted to him to postpone the sale by the lender even though they had over 7 days to process the sale. The trustee advised that he utilizes the XXXX system with the lender, and that a postponement would have taken no more than 10 minutes to submit to his office. I request that my loan be reopened and that I be allowed to modify my loan to enable me to keep my home. The lender lied to me in order to avoid that I filed for protection under the bankruptcy court.

Company response to consumer: Closed with explanation