milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/23/2017 about Vehicle loan or lease (Loan) with SUNTRUST BANKS, INC. (MD).
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint: I filed a complaint with you several days ago, got one call from Suntrust and have received nothing since. All I was told was a reference number and somebody would contact me from them. That has not happened.

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 04/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Hi there, I submitted a " XXXX XXXX '' via the website XXXX XXXX to Transunion to remove a closed account under my name for {$2500.00}. I submitted the dispute on XX/XX/2018 and just now received a notice that they completed their investigation on XX/XX/2018. This totals as 47 days. 
From my understanding of the Fair Credit Reporting Act, Section 611, they are only allowed to have 30 days to respond. I did not supply them with additional information within the 30 days of their investigation, which from my understanding, means they did not have the right to include an additional 15 days to their investigation.

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 08/29/2016 about Mortgage (FHA mortgage) with BMO HARRIS BANK NATIONAL ASSOCIATION (IL).
Issue: Credit decision / Underwriting

Complaint: I applied for a home mortgage loan with BMO Harris Bank N.A . I chose this financial institution because they are listed as XXXX of the few authorized lenders for the 1st Home Illinois program offered through XXXX I am a XXXX XXXX XXXX XXXX XXXX male. I have a XXXX credit score, a 0 % debt to income ration, and am on a fixed income through social security. I was pre-approved in XXXX. I have had no change to my income, credit score or debt ratio from the time I was originally pre-approved. In XXXX 2016 BMO Harris requested that I pay a {$490.00} dollar application fee. After I paid the fee they completed the appraisal on the property I have a contract on. The appraisal came back within range of market value and requested price. I meet all the requirements for the 1st Home Illinois program ) I was told this by the lender and instructed to complete the homebuyer counseling course and obtain a certificate. I received an email on XXXX XXXX stating my loan application was denied due to " Limited credit experience and Value or Type of Collateral not Sufficient. In figuring a credit score the credit bureau 's figure length of credit history, debt ... etc in figuring a score, which is in turn used as a basis to offer credit. If I meet the credit bureaus standards to have a XXXX, why am I subjected to additional credit scrutiny by the lender. Secondly if the Federal Trade Commission considers social security a reliable source then why is this not the case with the lender. The XXXX states I may not be discriminated against due to age, however I feel it is the basis for my denial. After all, how could I initially be pre-approved based on credit and income and then denied based on the same criteria which has not changed at all. In fact my current rent of {$630.00} is actually higher than what my mortgage would be, which is estimated at {$430.00}. The XXXX states credit should be made available to creditworthy applicants without regard to color, religion, sex or age. My XXXX makes me creditworthy!

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 10/23/2015 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (IN).
Issue: Taking out the loan or lease

Complaint: Upon purchasing my vehicle and the meeting with the Finance Manager, he kept trying to talk me into buying the extra insurance protection & GAP coverage. After going back and forth on it several times because I did n't want it, I decided to purchase it so he would stop talking and we could get the paperwork done so I and my children could go home. I later changed my mind during the paperwork process and declined the insurance protection. So, he had to re-do the paperwork without the added " protection. '' Somehow my interest rate went up 1 % on the new paperwork when I decided that I no longer wanted the insurance protection & GAP coverage. When I accepted the added insurance my rate was 3.95 % but when I declined it my rate went up to 4.95 %. I feel like I was discriminated against because I did n't want to purchase the added " protections. '' I believe that this practice is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Account opening, closing, or management

Complaint: I have been reported for : SUSPECTED FRAUD ACTIVITY according to XXXX byBANK OF AMERICA XXXX XXXX XXXX XXXX XXXX XXXX opened a checking account with Bank of America over the internet XXXX 2010, Once notified, I went to the local bank on XXXX XXXX XXXX, XXXX XXXX and signed the signature card, etc. A few days later I tried to log into my account and it had been closed. I was upset since I had money in the account, so I went up to the branch. The guy said the account had been closed and would not offer any reason except that I would never be able to have an account again and they would mail me the balance from corporate. 
This is very concerning since I never did anything wrong, never overdrew the account or done anything at all. I am just now finding out that this was reported as suspected fraud activity. 
I would like to know exactly what I did that was fraudulent. I want this removed from my record. This is totally dishonest behavior by the bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Debt collection (I do not know) with Glass Mountain Capital, LLC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The rep calls and asks for me by first name, i ask who they are and they give their name and again ask for me, i ask again who they are with, and they refuse to identify themselves. The times they do identify themselves as glass mountain capital, it is after multiple attempts to ask them to identify themselves. This has happened everyday for at least three weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Debt collection (I do not know) with CITIBANK, N.A. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have continously tried to contact this company to no avail, I very no knowledge of this debt and I would like it removed from my credit report. The credit bureau keeps responding verified but can not seem to show me how they verified this account belongs to me.

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 03/30/2017 about Mortgage (Conventional fixed mortgage) with Comerica (MI).
Issue: Loan modification,collection,foreclosure

Complaint: the lender is in violation of regulation 1024.39 ( a ) Early intervention requirements for certain borrowers. - A servicer shall establish or make good faith efforts to establish live contact with a delinquent borrower not later than the 36th day of the borrower 's delinquency and, promptly after establishing live contact, inform such borrower about the availability of loss mitigation options if appropriate. & 1024.39 ( b ) Notice required. Except as otherwise provided in this section, a servicer shall provide to a delinquent borrower a written notice with the information set forth in paragraph ( b ) ( 2 ) of this section not later than the 45th day of the borrower 's delinquency. A servicer is not required to provide the written notice more than once during any 180-day period.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Credit card () with AMERICAN EXPRESS COMPANY (GA).
Issue: Advertising and marketing

Complaint: I opened an American Express gold card last year when booking XXXX XXXX flights to XXXX. The card advertised XXXX free miles to Gold AMEX customers. The miles were to be credited within a certain time-frame. As the miles were never credited to my account, I called American Express and complained. I was told that I was not eligible because I previously had an AMEX gold card. After I complained that this was not disclosed, the agent promised to credit the miles to my account. Several months letter, I followed up with another phone call only to find out that AMEX had no intention of crediting my account. They claimed that this was disclosed when I opened the account but could not tell me or provide me with any back up information to substantiate their claim. I notified them that their practice was illegal and told them I would be filling an official claim. Sure enough, they are sticking to their story - they notified me that this was disclosed during the on-line application process. I was not aware of it and as far as I am concerned, this was not disclosed. They can not prove that this was disclosed and none of my disclosures that I received show this being disclosed. What prevents AMEX updating their disclosure a year later and claiming that I was subject to it? I think that this is a deceptive practice to lure people into products which they otherwise would have no interest in attaining. What are my rights here?

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2018 about Debt collection (Medical debt) with ASSET MANAGEMENT OUTSOURCING, INC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XX/XX/XXXX, I suffered from a possible allergic reaction, including XXXX difficulty. Accordingly, a relative drove me to the emergency room at XXXX XXXX XXXX in XXXX, Georgia. 

I incurred {$6200.00} in total charges, offset by an adjustment of {$3600.00} for having no insurance, leaving a balance due as of XX/XX/XXXX of {$2600.00}. 

On XX/XX/XXXX, I obtained a letter from XXXX XXXX XXXX, indicating my approval for 100 % discount from the Georgia Indigent Care Trust Fund, retroactive to XX/XX/XXXX. 

I have shared this letter Indigent Care approval with the billing department at XXXX XXXX XXXX on multiple occasions. 

Nevertheless, the XXXX XXXX XXXX sent the account for collections to XXXX XXXX XXXX. I have shared the XXXX XXXX approval letter with XXXX XXXX XXXX. 

As of XX/XX/XXXX, the charge appears on my credit report from XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (GA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX, 2015 - Called XXXX / US Bank Home mortgage because I discovered that additional/extra payments were being applied to future due payment, not towards additional principal. Spoke with XXXX to resolve, he advised that previous payments can not be changed and that I must send in paper checks or pay on their website ( allowing ACH ). Asked to escalate to management and was disconnected. Called back and spoke with multiple people : senior representative, XXXX ( ID ROM ), team lead, XXXX XXXX, XXXX ' manager, XXXX XXXX. Was advised they will reverse only future monthly payments towards additional principal and will not correct retroactively. 

XXXX XXXX, 2015 - Called back and spoke with XXXX. Informed them they only applied two extra payments towards additional principal and then reverted to future monthly payments. XXXX advised she will correct this and while putting me on hold the call was disconnected. 

It has been more than one year since I called them last XXXX. I do not know how long before that date my extra payments were not being applied towards additional principal. Despite calling them multiple times, the issue still still remains unresolved. I have even set up two monthly payments for different amounts per their request with the memo stating " additional principal payment, '' and yet my payments are being applied towards future due payments. This lack of correction on part of XXXX XXXX / US Bank Home Mortgage is costing me a lot of money every month and making them a lot of money every month.

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 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Please delete its almost 7 yrs old!!

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 08-02-2017 about Student loan (Private student loan) with Equitable Acceptance Corporation (ID).
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint: I was pressured by this company stating that I HAD to sign up with them to be on the student loan forgiveness program and that if I did not do it now my payments would not be going to the forgiveness program. They also had stated on the phone to me that as I have worked for a non-profit organization for the last two years that they would be able to get it so those payments fell under my student loan repayment program. I was also told that it would be {$1300.00} in set payments over two years that the company would receive for annually filing the paperwork for me and making sure my payments were correct. They have also attached 20 % interest rate.ONLY after speaking with the Federal Department of Education did I realize this was a free service and could be done at anytime through them. I was never once told by the company that these things could be done directly through the department of education and I could file for the forgiveness program at anytime. I was also told they could consolidate my loans for me which would improve my credit score. Not only did their report decrease my credit score as it reported as a credit card which this is not. They could not consolidate my loans because that is something only the federal student aide program could do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Credit reporting () with EQUIFAX, INC. (NM).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I would like to know, WHY,, When Anyone checks their credit report ( Hard or Soft Check, ),, their credit rating is Lowered.. Keeping track of your credit score should Not be Punished.. 
I have gotten MANY responses,, But No One knows the answer to my question ... 
This is an Upper Level Executive Question ...

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Credit card () with TD BANK US HOLDING COMPANY (CT).
Issue: Advertising and marketing

Complaint: I signed up for the TD Bank Easy Rewards Credit card because they offered a introductory 6 months where gas, groceries, telephone, dining, utility payments receive a XXXX % rebate. During the first month of using the card, I 've had a difficult or unreliable time using this card to make purchases inside the pharmacy of my local grocery store to buy my medications. The purchase amounts for these transaction could vary from $ XXXX to $ XXXX, but nearly every time they get blocked as " not authorized '' when I go to swipe it. I called the customer service many times and talked to their fraud department and they stated that there was a " merchant block '' for this merchant and suggest that I use a different credit card to make these purchases. Even some small purchases such at grocery stores for $ XXXX gets blocked for the same reason as stated above when I called to find out why such a small transaction amount was not going through. I strongly feel that it 's disingenuous to advertise or offer a XXXX % cash back at grocery stores when the card issuer blocks these merchants. I can provide proof of the advertisement, which let me to sign up for the credit card as well as transcripts of telephone conversations with the fraud department stating why my purchases are getting declined.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have asked for debt validation on my credit report from TransUnion. I have requested this many times over the last 5 months and every time it comes back with " verified '' however TransUnion never sends me proof of this verified account. I would like this account verified or removed from my report, I would like them to send the proof that they legally have to showing HOW they verified this account, something showing where I have a contract with this debt and a signature or something showing it belonging to me. The account in question on my report is XXXX XXXX  I have sent certified letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXall requesting that I have proof of this debt and every time without proof they have verified it.

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 Debt collection (Credit card) with Convergent Resources, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid Convergent Outsoucing payment on XXXX/XXXX/16 as payment in full for XXXX bank for a credit card that I did not have but is on my credit report. i disputed this but they wont remove it so i paid convergent who said they would email me a letter the next day saying account was paid in full but they did not. am attaching a copy of credit report and proof of my payment to convergent to pay off this account. I had a premiere bank account over 7 years ago that was a prepaid credit card and I was using my own money. When I closed the account they never refunded my deposit that was supposed to be held in a savings account. I called Convergent and XXXX and am getting no satisfaction. This is a scam!

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Student loan (Non-federal student loan) with DISCOVER BANK (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: cosigner with my daughter have asked several times to make a principle reduction on the loan and they keep applying it as paid ahead status ... would like to know why I cant make a principle reduction to reduce my repayment schedule

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2016 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: My home mortgage loan was recently sold to a company called Loancare out of XXXX, Virginia. The first thing they did when they acquired my loan was to increase the amount being held in escrow from the contracted XXXX of the total charges to an amount that is equivalent to XXXX of the total charges. Over the last month, I have repeatedly tried to get them to correct it via phone and e-mail, but they continue to ignore my requests. My total estimated escrow payments for the year 2016 are {$9300.00}. They want to hold {$3100.00} in escrow which is exactly XXXX. The original amount without the increase would have been {$2200.00} which is still over the contracted amount even without the increase.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Rent Recover, LLC (WV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: DearStaff XXXX XXXX Dispute Adverse account. Civil suit dismissed XX/XX/XXXX. Deny outstanding debt. This Adverse account is affecting my eligibility for senior/elderly low income apartment. Appreciate your attention and service. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: My name listed under Personal Information on my Equifax credit report is incorrect. I followed Equifax 's guidelines and sent a copy of my correct name documented by a copy of my Driver 's Licence, Social Secuirty Card, Utility bills. I have been unable to get my name corrected. The credit union that add XXXX to the end of my name indicated that they have made corrections. Nothing I have done has corrected the problem with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I believe Bank of America disables customers ' alert settings for low balance, overdraft fees, and the like. This has happened twice in six months to my husband - he 'll find out that he has been getting charged XXXX dollars in overdraft fees once a week or so, based on an unexpected charge that bounced - but will have never received an alert about it, despite having enabled cell phone, etc. alerts on the account. Last time he called Bank of America to complain, they claimed that it was his fault because his alerts were not on - obviously, they had updated their system at some point and turned his alerts off. We went online and turned his alerts on after arguing with the bank for an hour - Just now we found out the exact same thing had happened again, and went online and sure enough his alerts settings were enabled for every kind of contingency except overdraft / low balance. I believe they should be investigated for this practice.

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