milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-04-2018 about Vehicle loan or lease (Loan) with TCF NATIONAL BANK (FL).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I purchased a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX .Dba XXXX XXXX  located in XXXX Fl. the Bill of Sale states the amount at $XXXX XXXX then created another Bill for $XXXX. XXXX submitted for the loan amount of the XXXX to the lender, this was on XX/XX/XXXX. The lender is XXXX XXXX XXXX in financing, this lender does not give me the appropriated credit for payments made. My payments are $XXXX  per month, I have been over paying re-guesting that the overage be applied to the principle, they refuse to do so. They are also applying the wrong amount as paid they are applying $XXXX to the principle instead of the $XXXX, and are applying $XXXX in interest. therefore my totals do not go down like they should, I have provided several hundred dollars in over payments with out getting the credit for them. The billing here is inappropriate and seems to be designed to keep me paying and extending the payoff, i believe that they are taking advantage of me and creating more of a financial burden for me by not accrediting my account with the appropriate credits.I did write to them requesting an audit of my account and received a response that was not satisfactory and they continue to do their funny numbers. I need help with this matter, thank you.
XXXX XXXX XXXX XXXX XXXX a tcf company, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ca XXXX Account number XXXX. I am XXXX XXXX XXXX XXXX XXXX XXXX. XXXX Fl XXXX, phone XXXX. According to my credit score the percntage rate that was given should have been lower.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: There is Fraudulent Information on Credit Reports which were made without my knowledge or permission. But Transunion has failed to give me investigation result.

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 02-03-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Credit card protection / Debt protection

Complaint: There was fraud on my credit cards but they refused to listen or remove the balances. Now I am homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Debt collection (I do not know) with ERC (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I am not actually the primary party. I am the Third Party. I was contacted and asked for a family member 's information after I clearly stated that the person did not reside at MY number. I asked what the call was about and he said it was a personal business matter. Then do n't call me. He also refused to tell me what company he was with, but XXXX knows. Enhanced Recovery Company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 03-11-2017 about Credit reporting () with CONDOR CAPITAL CORP (CT).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Company name is Condor Capital who was put out of business due to " Illegal Practices Against Customers '' under section 1042 Federal Dodd-Frank Wall Street Reform and Consumer Protection Act against subprime lender XXXX owner of Condor Capital was shut down. This company continues to harass me and is unable to validate the debt they say I owe I sent them a letter and a copy of my drivers license and social security in error and now they are telling the bureaus I owe them the debt with this piece of information. I made a complaint with the BBB which I will attach and you will see their finding are in my favor as well. They are reporting information to all bureaus and I want this removed also not the FTC also on a file on them as well on how the company was shut down and no longer in business. There is another company who is the same company contacting me called Condor Capital Securitization calling me on behalf of this company and I sent them my drivers license and social security in error dumb on my part so now they are using this to say this is their proof of what I mailed to them asking for debt validation they they refuse to supply original signatures they are using the my information I mailed to them ( driver license and Social security ) to validate. I want to see original signatures of this debt.

Company response to consumer: Untimely response
Consumer complaint received 05-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hillcrest Davidson & Assoc (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: HAVE AN OLD DEBT WITH XXXX.HAVE BEEN MAKING MOTHLY PAYMENTS OF {$100.00} TO XXXX.GETTING NO ACKNOWLEDMENT OF PAYMENT.NOW I GET A COLLECTION STATEMENT FROM XXXX WANTING PAYMENT FOR MUCH MORE THAN I OWE.

Company response to consumer: Closed
Consumer complaint received 11-03-2015 about Bank account or service (Savings account) with SCOTTRADE BANK (CA).
Issue: Account opening, closing, or management

Complaint: In 2013, Scottrade Bank illegally offset my Scottrade bank account when conspiring with their affiliates Scottrade XXXX and as a result violated numerous provisions of California FINANCIAL CODE SECTION XXXX. 

I have requested Scottrade Bank provide me information about how to file an arbitration case against Scottrade Bank and clarification over the arbitration procedures, potential conflicts, and problems, however, Scottrade Bank has not responded. 

I would like Scottrade Bank to provide me with a copy of the original arbitration contract and full instructions on how to file arbitration against Scottrade Bank.

Company response to consumer: Closed
Consumer complaint received 01/17/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CO).
Issue: Account opening, closing, or management

Complaint: I heard, through a friend, about a promotional offer from Wells Fargo. The offer stated that Wells Fargo was offering a {$250.00} cash bonus when you set up a new " XXXX Checking Account ''. I went to my local branch located at : XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX After meeting with a banker I was told that they did not have any way to honor the offer, but that I should come back in one week and they would be able to do so. Instead I went online to set up the account, following all the instructions on Wells Fargo 's offer page for this promotion ( https : //www.wellsfargo.com/XXXX I then received an email that my application had been successfully received -- this email also included instructions for the bonus offer. After five days of waiting I had not heard anything else from Wells Fargo regarding my new account, so I called their customer service line for clarification. I was informed by a representative that I did not qualify for the promotion since I had not received an individualized email offer code for this particular promotion, even though such requirement was never mentioned once on their offer page, or in the confirmation email, or indeed at any time during the application process. 

It really seems like Wells Fargo put out a promotion to earn new customers without any intention of honoring that promotion. I would never have set up this checking account if not for this special offer. I feel completely duped. This seems a clear case of false advertising 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 12/21/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (WI).
Issue: Trouble during payment process

Complaint: Company : Mr. Cooper Issue : Cancellation of Private Mortgage Insurance ( PMI ) Complaint : I have been unable to cancel PMI due to the mortgage provider, Mr. Cooper, not ever ordering an appraisal of my property that I requested on XXXX XXXX, XXXX. Multiple representatives of Mr. Cooper 's PMI department have said that the process would take 7-10 days from when they processed the PMI cancellation request. Mr. Cooper confirmed that they had processed the request on XXXX XXXX, XXXX. Since that date I have called four times ( XXXX, XXXX, XXXX XXXX, XXXX ) to request a status about the appraisal 's completion. Each time a representative expressed surprise when informing me that the appraisal had not been ordered. One representative on XXXX XXXX, XXXX blamed the delay on the vendor. Another representative on XXXX XXXX, told me there is only one person that handles ordering appraisals for PMI removal in the PMI department. I will now have to pay two additional months of PMI ( and maybe more ) since it 's still not resolved. There is irony in a company who charges consumers late fees if they are late on their mortgage payment ( I 've never been by the way ), but yet my only recourse is to submit a complaint to that same company when I 've done everything right. I requested to be copied on the email submitted to the employee who is in charge of requesting appraisals with the vendor and was told that copying me on an email was not allowed under company policy, but I guess treating customers with disrespect and patronizing them is company policy. My recommendation to the trainers and managers in the PMI department would to empower folks to be problem solvers instead of administrative bots that just explain the PMI process over and over again. I 'm calling for a resolution, not a lesson on how PMI works. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Debt collection (Other debt) with Voss & Klein, LLC (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: This is from an old debt collection originally opened XX/XX/2013 I hired a pool company ( XXXX XXXX ) to do pool repair and after breaking up my deck, and claiming to fix the leak ( but didn't ) wanted to charge me {$450.00}. 

I said no, because they didn't do a good job, and they have sold this to a debt collection attorney in Florida Voss & Klein that refuses to remove the reporting from my credit report. 

It's time to move on and drop the matter as it's FIVE years ago, and they are still reporting it as a negative. I'd like this removed from my credit report!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On or around XX/XX/XXXX I received a letter letting me know my mortgage loan had been sold to XXXX XXXX XXXX services from XXXX XXXX XXXX. XXXX started collecting my payment since XX/XX/2018. On or around XX/XX/XXXX I called into experian to dispute the account still showing open, yesterday I got my an email about the results of my dispute and the dispute came back verified no changes. I don't know how they can verify the account still open XXXX XXXX XXXX   have sold the loan. The Loan needs to report closed paid in full from all 3 credit bureaus Experian, XXXX, and 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 non-monetary relief
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX is reporting on my credit reports after it was agreed upon to pay and delete. This debt was paid in 2016 and still showing on my credit reports.

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 01/31/2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: XX/XX/XXXX- Woke up to an email from Chase Bank Fraud saying there were suspicious charges on my account and to call if they were unauthorized charges. Chase denied several charges, but 3 went through ( {$1.00}, {$71.00}, {$100.00}, total of {$170.00} ). Charges took place in XXXX, Texas. I have proof ( through the same card with transactions ) that I was in XXXX, New Mexico when the charges took place. 
I called Chase on the morning of XX/XX/XXXX, explaining that I was in New Mexico and the charges were indeed fraud. They shut down my card, put the money back into my account and ordered a new card. 

XXXX XXXX I realized that the charges were reversed and taken out of checking account again. I spent an hour on the phone with the Chase escalation department explaining that I was in New Mexico, 10 hours away when the fraud charges happened. The Chase employee said that my story was valid and there was no way I could have been in XXXX, Texas where the charges occurred. I used my Chase checking card 4 hours before the fraud charges. The fraud charges happened 10 hours away from where I was! He filed a claim with this information. 

XX/XX/XXXX My claim was denied. Chase said the charges would stay on my account. I called Chase fraud escalation again, this call lasted 40 minutes. The Chase representative said that there was more than enough evidence to make the charges fraud.

1- I had proof I was 10 hours away from the fraud transactions.

2- There were 3 approved transactions and 4 denied transactions, making it look like someone kept trying to use the card until it was approved anywhere. 
3- They did not use an authorized chip card XX/XX/XXXXt- I just received correspondence from Chase that my claim was denied again. 

I do not have the exact times that the Fraud charges occurred, but I have attached Chase email from XXXX the morning of XX/XX/XXXX ( Chase rep said the charges happened 4 hours after my XX/XX/XXXX purchase [ plus the 1 hour time difference ] ). I have also attached a XXXX XXXX XXXX from the night of the XX/XX/XXXX in New Mexico.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-01-2017 about Credit card () with CITIBANK, N.A. (AZ).
Issue: Billing disputes

Complaint: XXXX company had inadvertently charged my credit card in error for the sum of {$4100.00}. 

I immediately notified my credit card company " Citibank '' to warn them of the error and to credit the full amount back to my account. I was told it would be corrected with several business days. 

Its been almost 3 weeks and the charge is still on my credit card. I have made several calls to Citibank and have been told its still being investigated. This process it taking too long and I am worried that I will be forced to pay for the fraudulent charge. Can you help?

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 03/17/2017 about Consumer Loan (Pawn loan) with HSBC NORTH AMERICA HOLDINGS INC. (WA).
Issue: Payment to acct not credited

Complaint: I have a line of credit with HSBC on XX/XX/2007 they sold my loan to XXXX on California the terms of my loan was for 72 months. For XXXX this guy sent me a letter for the same amount for the last ten years paying him he charge Me loan areage interest I do not have any XXXX form from him the last ten years he say he forclosure my house if don pay him and he charge me for his lawyers fees. No statements from him just treating lettets

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WV).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: With the security breach of Equifax, i will not sign up for their year protection due to the clause in the fine print. I want answers from Equifax instead of 'we are sorry '.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Debt collection (Federal student loan debt) with Blitt and Gaines, P.C. (IL).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: Blitt and Gaines, LLC of  XXXX  Illinois placed and illegal garnishment on my wages using false statements and document from th e Circuit Court of    XXXX   County, Illinois. They have included form that are not legal court documents. The amount is   XXXX   for a student loan that list   XXXX   XXXX   XXXX  ,   XXXX   XXXX   (   XXXX   ), and   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX   as collectors.Then garnishment start date was   XXXX    XXXX , 2015. I have the court document to support the illegal garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for assistance in saving my home with Bank of America. I hired an attorney to submit my offer to settle a second mortgage as a solution to my foreclosure situation. My request for assistance was faxed to Bank of America on XXXX/XXXX/2015 and I was issued a 5 day letter dated XXXX/XXXX/2015 confirming my complete financial information was received and that I should have an answer within 30 days. In the letter Bank of America says " The evaluation process should not take more than 30 days ''. ( See attached letter ). As of today Bank of America still has not responded to my request with an answer. It has been two months and five days since that request. I just received a foreclosure certificate stating Bank of America can now foreclose. While Bank of America is stalling on my review, the foreclosure process is moving forward and I have lost time I needed to be able to figure out how to save my home. I am sure they are doing this on purpose because my attorney has been calling them to follow up on the request almost weekly since the date it was submitted. I believe Bank of America is evading review of my request for assistance in order to dual track and burn time so as to be able to just foreclose my home without allowing me time to try and save it. Per my attorney this is in complete violation of RESPA Reg X ( 1024.41 ) which states a servicer shall complete a review of a request for assistance within 30 days of that request. We are now over 65 days past my request for assistance and I have nothing from Bank of America except a foreclosure certificate stating they may now foreclose ( Attached ). My attorney has also faxed the foreclosure attorney, XXXX advising them that I am under review for loss mitigation as of XXXX/XXXX/2015. XXXX has responded that they have been instructed to move forward with foreclosure. This is as of XXXX/XXXX/2015, which is after my submission was confirmed on XXXX/XXXX/2015. Even though XXXX has been made aware that I am under an active review for loss mitigation, they still state they will not stop the foreclosure process. I do not understand how both of these companies can simply ignore RESPA law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
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 sent a request for an investigation to TransUnion Credit Bureau on XX/XX/2017 concerning 2 Federal Tax Liens : one in the amount of {$33000.00} and the other in the amount of {$930.00} as well as a Collection account on XX/XX/2017 in the amount of {$1900.00}, as well as the request for removal of numerous inquiries which I have included in the PDF attached. They in turn sent me a letter stating that these aforementioned items were not on my report. I've included the latest Credit Report clearly showing that all such items are clearly there.

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 06-02-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MI).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: My loan servicer is Navient, after spending XXXX hours in their phone queue, I was able to talk to someone about my private student loans and getting them into forbearance. Navient was unable to find the forbearance letter, and suggested that I did not actually get the private loans approved by them. After asking to talk to someone about getting them into forbearance, they hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Equifax Credit bureau dispute dep. has been very negligence in regards my report, I have file a dispute several times for the same item-record and they have give me the final reports as : accurate that belong to me. 
I have been disputing a bankruptcy that it has been reporting since XXXX XXXX in credit report from XXXX and Equifax. 
XXXX did their investigation accurate and realize that this bankruptcy belongs to a different person altogether and they deleted the record from my credit report. 
But Equifax have NOT, I file a dispute several times and the investigation Department send me the final report as ; " We have reviewed the bankruptcy information, XXXX the results are : We verify that this item belongs to you. Additional information has provided from the original source regarding this item. if you have additional questions about this item please contact : CA XXXX Bk CTXXXX, CA XXXX Phone : XXXX. 
Than I listen to them and Contact the Bankruptcy court. My finding is that this record was file by XXXX of my family members with similar name but big age difference, I am XXXX years old and the family member that file bankruptcy is XXXX years old and he has his SS # written in the forms very different than mine. in my last dispute I send equifax the copy of the bk file showing the similar name, same address, different SS #, I point out all this differences to them, the DOB big age difference, and they still send me the results describe above. I do not know what to do anymore please can you intercede for me I need my credit report accurate to continue with my life and good credit. Thank you

Company response to consumer: Closed with explanation