milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-01-2017 about Mortgage (Conventional home mortgage) with LoanCare, LLC (UT).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: My mortgage company has made it nearly impossible to get an appraisal and remove my PMI. This summer my house value went up and I wanted it removed. Since then they have repeatedly ignored me until I called and questioned where they were in the process. They once even changed one of my pending payments and almost made me miss a payment. I want a reimbursement for the amount I have paid since my first contact with them about the issue. 

Details : XX/XX/XXXX Sent an email asking to know what would be needed to remove PMI. I was given a ticket number and told to allow 5 business days to respond. THEY NEVER GOT BACK TO ME. 

XX/XX/XXXX I called Loancare asking what happened to my ticket. They told me something happened and it was never noticed. They reopened the ticket. I knew that I needed an appraisal to remove my PMI, but I was told that they needed to try to remove it using the original home value to balance, after which if I needed an appraisal they would send me a letter. I told them that was stupid and to just order the appraisal, but was told legally they could n't without the process. I sent an email so they had written approval, that as soon as they tried to remove the PMI using my original home value and failed I wanted the appraisal ordered. 

XX/XX/XXXX Loancare sent the same letter twice, IGNORING what I had requested. The letter told me that based on my original home value I could not remove PMI. At that point, I would need to send a check in the mail for {$420.00}. Once that was received they could then order an appraisal. No other way of payment was offered. 

XX/XX/XXXX I called and asked if I could pay for the appraisal online since I did n't trust them to get a check in the mail. INSTEAD of charging me, THEY CHANGED MY HOUSE PAYMENT from XX/XX/XXXX to the cost of the appraisal. IF I HAD NOT NOTICED AND MADE A NEW PAYMENT I WOULD HAVE MISSED A PAYMENT! 

XX/XX/XXXX I called and was told that the appraisal was paid for but never ordered. They ordered it that day. The appraiser came on XX/XX/XXXX. I was told that someone would call me about reimbursing me from the date I had contacted them about this but never received a call. 

XX/XX/XXXX The website updated to show the new home value, but the PMI page is not updated and still had n't on XX/XX/XXXX to show the new ratio, or have it 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 07-09-2015 about Bank account or service (Other bank product/service) with HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH (OH).
Issue: Problems caused by my funds being low

Complaint: I have a loan through First Merit Bank. It is a 15 year loan and I am currently XXXX years ahead of schedule as far as paying this loan off. I made double paymentsfor about the first XXXX years of the loan. Well I ran into some financial issues as wellas some health issues and to say the least money has been tight. Well I made fewpayments late and First Merit Bank reported me to the Credit Bureau, which I know, all banks do this, but I believe this is wrong on so many levels. First off, I am wayahead of schedule, so I do n't know how you can say it is late? Has First merit notused my money that I have already paid back on other investments to further theirbusiness interests? Had I not paid ahead, they would n't have nearly half the moneyfrom me that they do now, but somehow, they are warning other creditors that Imay be a credit risk? This should be against the rules period. I am tired of watchingBanks make money at every turn, and then in return, take advantage of the verypeople who pay them for their services. This is wrong and I really feel liketheir should be rules against reporting people who are truthfully way ahead onloans. I have discussed this with First Merit and the only answer they will give me isthat 's just how it works, sorry. So this is what happened, I hope someone can helpme or at least point me in the right direction.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: XXXX my creditors reported me deceased back in XXXX, it has been a living nightmare trying to have it reversed. I have submitted complaints to Equifax XXXX to date XXXX. still have me listed as unrated and deceased. Equifax has not updated my report. Therefore I can not get credit, and I have a business and it is severely affecting how I do business. After many letters sent certified return receipts, I am at a loss as to what steps to take next. In XXXX XXXX Bank called my mothers house to update their files? never called me, and she said XXXX died 28 years ago, that was my dad, XXXX did not send letters to my to confirm or call my cell. They wrote that account off and left XXXX other accounts active. 
I want to know who to talk to how hard can it be to reverse the damage. And XXXX will not talk to me I get transferred XXXX. 
I am at my wits end.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NJ).
Issue: Deposits and withdrawals

Complaint: On XX/XX/2017 I withdrew a certain amount of money from XXXX of my checking accounts at TD Bank, but when I withdrew the money they double the amount they give me and overdrew my account and now I am in the negative and have NO money to feed my family

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Credit Bureau is in violation of FDCPA, FCRA and also XXXX compliance. The account in question is over 10 years 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 non-monetary relief
Consumer complaint received 01/18/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My credit went from XXXX to XXXX due to the Great Recession and problems in paying medical bills and being unemployed. In XXXX I landed a job and have not missed any bill payments since then. Accordingly, my credit went from XXXX to XXXX in XXXX. However, in XXXX of XXXX my credit suddenly dropped from XXXX to XXXX per XXXX XXXX 's data collected from XXXX and Equifax. When I checked to see why I discovered a XXXX NEW entries for unpaid balances that were XXXX YEARS OLD, both dated XXXX XXXX, XXXX. Both entries involved " XXXX XXXX XXXX '' which I have never heard of in amounts of {$13000.00} and {$4600.00}. I contacted Equifax and XXXX and got their typical barrage of obfuscation and confusing emails, none of which addressed the problem. Then they simply noted the " entries were removed '' but my credit remained dinged by XXXX points. 
I want to know if the Big XXXX credit reporting firms business models rely on keeping people beaten down, downtrodden, and miserable to enhance their profits by selling their services? They seem quick to harm someone but unresponsive in fixing problems. For me, this is very damaging in that it may preclude me from getting a mortgage. Worse yet, credit in this range will likely have an adverse affect on me getting a promotion. 

There is no salient documentation as my complaints were filed with XXXX and Equifax on line and I was unable to save correspondence in their website. There responses did not address, or rectify, the issue. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Debt collection (Medical debt) with Mnet Financial Inc (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This time I spoke with XXXX XXXX on XXXX/XXXX/2017. The last conversation was with a representative in XXXX. XXXX XXXX refused to provide last name or any contact information. He said he was the only XXXX XXXX at the call center and there was only one call center.
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I received a letter in response to a dispute that merely had the amount I supposedly owe and verbaige that simply stated it was validated. I do not recall this debt. I reached out to both the original creditor and insurance company MNET referred me to and neither have any information regarding me or this account.
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MNET stated they validated the debt by confirming it with the original creditor and that they do not have proof just the original creditor saying it was mine. It is not.
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I requested proof in the dispute request. Proof they own or were assigned the account. Proof of the amount and supporting documentation not just their say so.
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I never received any written or verbal correspondence outside of a recent letter saying this is yours and you owe {$860.00}.
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They kept telling me today the limitation of 30 days is up and they do n't have to provide proof. What 30 days. I noticed this in XXXX on my credit report and disputed right away.
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The FDCPA ( Fair Debt Collection Practice Act ) If a collection agency cant validate the debt, the credit bureau can not list it as a negative mark on your credit report.
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The FCBA ( Fair Credit Billing Act ) also states that they can not validate a debt with a credit bureau until they provide me with validation. They have validated and I have no validation. They validated with XXXX not with 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 02/13/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with Blackhawk Network Holdings Inc. (MN).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Purchased an item with a {$30.00} rebate advertised. Received the item and applied for the rebate. Rebate was approved and after a 2 month delay, I received and activated the debit card. The problem is the expiration date was less than 12 months from the receipt of the debit card. 

Two attempts to contact the phone number on the card and website only indicated that the card was expired. 

Is it legal to expire a card with less than 1 year from date of receipt? 

The card is issued by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA, XXXX. Activation was by XXXX. 
Card number XXXX XXXX XXXX XXXX The card is a XXXX Debit. 
In the rear of the card, top left it indicates XX/XX/17

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (MN).
Issue: Money was not available when promised

Complaint: On XX/XX/XXXX, I ordered {$20.00} of Bitcoin and {$20.00} of litecoin from Coinbase. They were perfectly fine taking my money, but I can not add a way to sell and get money back. After waiting on hold for TWO HOURS, the customer service rep told me to try again with a bank account and that was all he could do. ( This is all after opening a support ticket approximately one week ago ). I still do not have access to my funds. Coinbase has not contacted me about my open ticket and I am being left hung to dry with no money from it and not being able to get the money I supposedly have on their application. I just want the money I OWN back.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Payday loan, title loan, or personal loan (Payday loan) with CNG FINANCIAL CORPORATION (VA).
Issue: Struggling to pay your loan

Complaint: {$1000.00} loan taken out from Allied Cash Advance that is now owed by Check  N Go, they contact my job repetitiously daily harassing me. If I send the call to voicemail th ey will attem pt 3 more  times back to back and again at the end of the day.     I finally answered the call today and advised again do not call my job again.     I have paid well over the amount borrowed and when the company was sold to Check  N Go th ey no longer called to ask for Authorization for payment they just went into my account monthly and took funds beyond the required amount. I finally closed my account and stopped the payments completely. They are chagrining ridiculous fees and the loan at this point will never be paid off.     I advised when I initially took out the loan 2 years ago that my job is never to be called as our calls are recorded and monitored for quality assurance and training purposes as my job also involves compliance with CFPB guidelines. The calls continue and now my job is in jeopardy.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Using a debit or ATM card

Complaint: On XXXX XXXX, 2015, I took out {$100.00} from a private ATM and accepted an additional {$10.00} service charge. I was shortly notified by Bank of America via text I had overdrawn my account and incurred multiple {$35.00} overdraft fees. After investigating my transactions I found that the ATM or private vendor had charged my checking account 7 extra times, accruing a total of {$880.00} with no cash distributed. I spoke with the owners of the establishment and they told me to take it up with my bank. I posted a complaint to Bank of America and they immediately credited my account with the {$880.00}. On XXXX XXXX, 2015 the Bank informed me that they had found no evidence of fraud or issues and debited my account the {$880.00} and also not reimbursing the overdraft fee. After contacting the private establishment of the ATM again, stating I never requested that amount nor received the cash from the digitally claimed transactions. They informed me it was not their problem.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (PA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I have been paying my student loan on a monthly basis yet my balance seems to continue to increase. 
Representatives are not consistent with information. I 'm told something different each time I call regarding my loan and payment options. Something does not seem right with this servicer!

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Debt collection (Medical debt) with Transcontinental Credit & Collection Corp (CT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I received a notice from transcontinental regarding a bill for {$480.00} from XXXX XXXX XXXX for date of service XXXX/XXXX/XXXX, I have been in contact with XXXX XXXX XXXX and applied for financial help with them with their financial aid department, I also recently received this same notice from XXXX XXXX XXXX for the same amount and they too was aware I applied for financial help with XXXX XXXX XXXX department so I dont know why I am receiving double billing XXXX from 2 collections department when I have been in contact with XXXX XXXX XXXX. Somewhere along the line someone is not communicating.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Credit card or prepaid card (General-purpose prepaid card) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint: This is a Capitol one prepaid card. The problem was that they said I was late paying and I was not late... They recorded it late.
It was on XX/XX/2016 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (IL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: Contacted Hhgregg customer service center in XX/XX/XXXX once statement generated which reflected a higher balance due, thought card information had been compromised when spoke with rep was advised that promotional period for interest rate will be ending and the additional XXXX was deferred interest from life of account ; I advised representative that I did not receive anything in the mail and to charge almost XXXX on an account without warning was alarming she advised me that if I made an payment of {$520.00} on or before XX/XX/XXXX they will waive interest and other fees making new balance {$490.00} ; asked rep to notate the account and advised I will call back in on XX/XX/XXXX to make payment which I did rep was able to see notes on account processed payment for {$520.00}, waived XXXX and again advised me that bill will cycle and new balance of {$490.00} will be reflect on statement and online account within 24 hrs. Which it has not current balance is showing {$540.00} which is XXXX higher than quoted and that amount has been reported to credit bureaus. Would like the XXXX to be waived, online account, statement and all credit bureaus to be notified of correct balance of {$490.00}.

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 monetary relief
Consumer complaint received 10-05-2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (LA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX, 2016 I have trying to refinance my mortgage since last XXXX, 2016. The current mortgage is with Seturus. This company has not provided my mortgage history. The history has not been provided by Seturus to me or the new mortgage company. 
This writing is my formal complaint for Seterus. Their telephone number is XXXX. The mortgage is under XXXX. The address is XXXX, Louisiana XXXX. 
My telephone is XXXX. 
In advance, thank you for assisting me with this complaint. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I paid this in full on XX/XX/XXXX the original debt was a credit card with XXXX then went to collections with XXXX XXXX XXXX. It is still under the collections tab of my credit report I have disputed it and have given proof it was paid but the credit bureau will not delete 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 01-04-2016 about Debt collection (Medical) with Audit & Adjustment Co. Inc. (WA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This company never contacted me prior to listing my balance in my credit report. Upon contacting them, they acknowledged that they had a return address, and used an old address without verifying. 
My account with the lender shows my current address, yet they frivolously used an old address, did not verify and never notified me of my rights to dispute, nor informed me what the debt was related to, nor that it would be placed on my report. 
I never received any notice or communication from this debt collector prior to contacting them. 
Upon contact, they exhibited rude practices and said there is no legal requirement for them to let me know of my rights, or contact me in any way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Credit card () with REGIONS FINANCIAL CORPORATION (TX).
Issue: Billing disputes

Complaint: XXXX XXXX added a {$75.00} charge to my gas bill because my payment I mail in was XXXX cents short due to a typo. I called and spoke with the Rep. I think XXXX and ask to dispute the Charge of {$75.00} as being excessive for being short XXXX cents and I wanted to cancel my cards until we cleared up the matter. He email me a form which I completed and was told I would be contacted by another representative. 

No one has contacted me and every 2 weeks XXXX adds another {$75.00} plus interest to my bill. I have no way of getting them to stop adding more charges. I have contacted the Governor of XXXX and the Texas Attn General office for help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/28/2016 about Debt collection (Medical) with Burton Neil & Associates, P.C. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was contacted by XXXX XXXX XXXX on XXXX XXXX, XXXX, about a medical bill from a company called XXXX, in the amount of {$3600.00}. I immediately contacted the sender by phone and disputed the claim its entirety, as I had never even heard of the provider, XXXX. I also stated at that time that I had never received any treatment or entered into any contact from the provider. I was told they would send copies of the bill, but nothing ever came. 

The matter was then sent to a collection attorney, XXXX XXXX of Burton Neil & Associates, and on XXXX XXXX, XXXX, I received a letter and again disputed the claim, in its entirety, in writing and requested proof of the claim, as well as any and all copies of agreement and invoices for services rendered. I received no response. 

Instead I then received a demand letter from attorney, XXXX XXXX of Burton Neil & Associates. After receiving said demand letter, I again disputed the claim in writing, indicating that I never had any agreement nor received any services from their client. I again also requested proof in the form of any agreements, authorizations to provide services, signed agreements to pay or bill, as well as itemized statements of services rendered and records of care. They sent none of the requested information. 

Instead of providing any proof of their claim whatsoever, the office of Burton Neil & Associates filed a complaint against me in the XXXX Court XXXX, in which they specifically stated that they had an " Agreement '' in said complaint, when in fact, they knew full well that no such " Agreement '' existed. In fact, to this day, they still have never answered any of my several written requests for proof, have never sent me copies of agreements, copies of invoices, nor any itemized statements of services rendered. I have never hired their client to perform any healthcare for me at any time. 

I am preparing to defend myself in Court against this firm, which I believe is using the Court system as a blatant strong arm collection tactic, when in fact, they know full well that they have no proof of any claim whatsoever. I have found many incidents of this firm doing the very same thing to others, who are laymen when it comes to legal issues. They file unsubstantiated claims in court and then move for a default judgment and attach wages, when the defendants never owed any money to begin with. 

I will not be another victim of this shady law firm and their abuse of the court system. I respectfully request that this matter be investigated so that this firm is exposed for the constant unlawful collection tactics that they continue to exercise.

Company response to consumer: Closed with explanation