milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/24/2016 about Mortgage (FHA mortgage) with PRIMARY RESIDENTIAL MORTGAGE (TX).
Issue: Application, originator, mortgage broker

Complaint: I was approved for a fha home loan thru primary residential mortgage, with XXXX XXXX .working with a realtor through the whole process.we got to the part where I paid for the appraisal. But me and the realtor were questioning the lender about why the closing cost kept changing, ( getting higher ) the second time I questioned him he said oh I meant to call you. The underwriter could not get you approved because of your bank statements. And I need you to send me something in writing saying your withdrawing your request for the loan. that you do n't want it anymore??? My realtor got the approval letter from the lender also. And I just happened to pay XXXX the day before for the appraisal. Sounded fishy to me and the realtor

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I have contacted Equifax by phone and by mail several times now since getting a judgement against them. Please see the two letters attached. 1 is what I sent them and 2 is what they sent me back. I think words like negligence come to mind based upon their response. They seem to think I 'm disputing a judgement on my credit report when in fact I am tryting to collect on XXXX that they owe for {$620.00} to me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (GA).
Issue: Fraud or scam

Complaint: Had money in account about {$260.00}, went to pay a utility bill thinking had $ $ $ on the card, the clerk swiped the card for payment and she told me that the card is " declined ''. I asked her to swipe again and the same result. Left the payment center and had a good " cry ''!!!! Then I tried calling different # 's ( on back of card, their customer service and XXXX and all that I could think of ), and to no avail nothing. So please if you can help please do. Also, checked on Atm machines and it 's saying that I 'm in the negative, which I can not fathom, so please look into " our '' plight because we deserve an explanation on what has happened. There are a lot of families that " lost '' a lot.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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: On XXXX/XXXX/XXXX I went to annual credit report.com and ordered my credit reports. I went to the dispute sight for Transunion and tried to register to file my dispute and it said I already had an account, so I did the lost username/password. I received a message that my account has been temporarily suspended and to call XXXX. I called and verified my personal information and I was transferred to a lady that said in XXXX I had paid for credit monitoring and opened an account, I said probably but I cancelled the credit monitoring and she said the only way I can unsuspend my account is to provide a credit card and I told her no I do not want credit monitoring I just want to be able to dispute some items on my credit report, she then replied there was nothing she could do unless I provided her a credit card number to reinstate my account.

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 06-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Franklin Collection Service, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX placed an item in collections stating they did not receive their equipment. I received a call from Franklin Collections stating the account was placed and I advised of the dispute at that time and never heard from them. The item appeared on my credit report months later. I emailed with copies of the tracking showing item received at att and should never hit any bureau. I received a letter on their letterhead stating this item would be deleted. I disputed the item with XXXX and XXXX and received an update from XXXX stating the agency has verified the item to me. I uploaded the letter and disputed correctly. At this time Franklin has violated several FCRA and I am requesting they resolve this on all bureaus and be fined accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Debt collection (Medical) with Medical Society Business Services, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a call regarding an amount due from a emergency room visit XXXX/XXXX/XXXX in XXXX XXXX. I was fully covered by insurance at the time of the visit, however since treatment records were not submitted to the insurance company as requested multiple times the claim was never paid. After three months of attempting to get the documentation sent to the insurance company the office has been uncooperative and has not sent the information so the claim can be paid out however is still threatening negative impact on my credit. The insurance requested information several times, the most recent on XXXX/XXXX/XXXX and received no response or compliance to request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Credit card () with SYNCHRONY FINANCIAL (IA).
Issue: APR or interest rate

Complaint: XXXX XXXX XXXX Credit Card : has a paragragh in fine print that entices a seemingly innocent plan. In the fine print : [ **Offer applies only to single-receipt qualifying purchases. No interest will be charged on the promo purchase if you pay the promotional purchase amount in full within 6, 12 or 18 months. If you do not, interest will be charged on the promo purchase from the purchase date. Depending on purchase amount, promotion length and payment allocation, the required minimum monthly payments may or may not pay off purchase by end of promotional period. Regular account terms apply to non-promotional purchases and, after promotion ends, to promotional balance. For new accounts : Purchase APR is 29.99 % ; Minimum Interest Charge is {$2.00}. Existing cardholders should see their credit card agreement for their applicable terms. Subject to credit approval. ] Being a senior citizen I am not able to read the fine print, and rely on the honesty & integrity of the company. I had arranged for my bank to autopay every month for 18 months. Comes the XXXX month, without my knowledge, the autopay stopped 2 weeks before the last payment. Which took me to a non-payment before the end date of the promo. Because I opted for the paperless statements I was unaware of the issue. I contacted XXXX Bank and asked to give a grace period. I prepared to pay the rest of the balance of {$600.00}. Instead they said I owe for the last 18 months of 29.99 % {$2100.00} was my remaining balance. There should a law against this type of credit card interest trapping. After several calls, they agreed to let me pay the balance owed. I am a lucky one but what about others that do not know how to fight these banks? 
Please do not allow banks to trick people. 29.99 % is high enough, but to miss a few days and tacking on the interest from day of purchase is not right. They rely on unsuspecting people to make a mistake like what I did. I will never buy from XXXX XXXX ever again.

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 04/27/2016 about Bank account or service (Checking account) with BB&T CORPORATION (NC).
Issue: Problems caused by my funds being low

Complaint: I believe that I was charged an overdraft fee by BB & T when my account had the funds to cover the charges made. I made a purchase on XXXX, XXXX transactions on XXXX, and XXXX transactions on the XXXX. When I made the purchases on the XXXX and XXXX, I had the funds in my account to cover these purchases. As of XXXX, the transactions made on the XXXX and on the XXXX moved to posted ; meanwhile, the transactions made on XXXX were still pending. BB & T charged me XXXX separate overdraft fees of {$36.00}. XXXX overdraft fee for each purchase : the transactions made on XXXX and the XXXX on 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 explanation
Consumer complaint received 06/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Dear Investigator, I made a payment to pay-off the full amount due on my account for over {$10000.00} in  XXXX   2017 . It was indeed deducted from my checking account and it seems the account was closed by the credit card company without notifying me the card holder. This is a poin t I ( Dispute ) ho w the unprofessional behavior of this credit card firm is causing me serious concerns. It seems they claim it has not been paid up to date. I wrote them a official letter requesting a full detailed summary of their actions. Never have gotten a response to the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I had a mortgage loan that was foreclosed on in 2012. There were two loans issued by the same bank when they foreclosed they were supposed to satisfy the debt owed on both loans. They are still reporting the second loan as delinquent and with a balance due even though it is illegal under California laws. The loan was issued by XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Debt collection (I do not know) with Resurgent Capital Services L.P. (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I have been a victim of fraud. Several credit/loan accounts have been opened in my name. Including accounts for XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX Card ), XXXX XXXX XXXX  XXXX XXXX ( XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), XXXX XXXX ( XXXX XXXX Card ), XXXX XXXX, XXXX XXXX XXXX, Payday Loans, Installment Loans and Checking and Savings with XXXX XXXX. The bank account these were maintained through was fraudulently opened through several prepaid debit card accounts and a XXXX XXXX  account. The bank account these were maintained through was fraudulently opened through several prepaid debit card accounts and a XXXX XXXX account. My mail had also been intercepted by the perpetrators for over two years. ANY good that were shipped and bought with ANY of those accounts I DID NOT Receive. Several Payments were made to keep accounts looking good while maxed out so I DID NOT find out about the accounts until much later and the damage had been done. The prepaid bank accounts and suntrust bank account that made payments on these alleged accounts was opened and funded fraudulently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-08-2016 about Debt collection (Medical) with GLA Collection Company, Inc. (IN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The debt was properly billed to insurance and it appears on credit report more than two times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have XXXX inquiry analysis that were not requested by me. XXXX on XXXX/XXXX/2016, XXXX XXXX on XXXX/XXXX/2016, and XXXX XXXX XXXX XXXX XXXX onXX/XX/2016

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 07/17/2016 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I received notices the past 2 year that my property taxes were not paid. I have an escrow my property taxes are to be paid out of. I called, faxed, and mailed the notices each time I received them and was assured by representatives my property taxes would be paid. My tax return shows property taxes paid from the lender but I received a tax lien notice of unpaid property taxes today that my property would be sold in 60 days if not resolved. I plan on paying the amount because I do not want to lose my house but I do not trust my lender to pay my property taxes now.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Student loan (Non-federal student loan) with NELNET, INC. (NV).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have set up auto debit 3 times now with correct and accurate information, and it has been rejected leaving me with late payments and automatic enrollment in forbearance. I was told the forbearance can not be reversed. I do not need a forbearance nor have a asked for one I am able and willing to pay my monthly balance.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2017 about Debt collection (Auto debt) with Security Credit Services, LLC (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I sent a letter on X/XX/17 asking this company how they have came up with the balanced owed. I also asked for a contract that i signed with them saying i owe this debt and I did not receive a contract. I have never heard of this company and I do not owe this company. How do a company report late payments in the payment history when you never even had an account with them. This company is taking away my rights and is a violation of FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NELNET, INC. (KY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: They have incorrectly pl aced two m issed payment on each  Nelnet account for a total of 18 mis  sed payments on all  XXXX  credit reporting agencies.. I wa s never late, my account was placed in forbearance  in  XX/XX/XXXX .. and th ey have me down for late payments after that. They need to be deleted and removed from my credit because it has significantly hurt it.. I have attached the proof as well.. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Debt collection (I do not know) with Mnet Financial Inc (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: My name is XXXX XXXX last four of my SSN are XXXX. Date of birth is XX/XX/XXXX Address is XXXX XXXX XXXX XXXX TX XXXX. I have requested verification and validation of debt per my right under the FDCPA section 809 ( a ) and ( b ). This company refuses to provide and continues to report a disputed debt on my credit report which is a direct violation of the FCRA. They are also no bonded to collect my state. I will be consulting with an attorney to seek actual and statutory damages against this company for violating my rights. I demanded proof that this debt is mine and that this be updated as dispute because I have never done business with this company.

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 08-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CO).
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint: I received a letter from Citi bank ( reference # XXXX ) stating a refund of {$150.00} was credited to my Citi credit card. The date range for the charges on the account regarding Citi Idenity Monitor from XX/XX/XXXX to XX/XX/XXXX. I had an active credit card during that time frame. However I had to file bancruptcy in Federal bancruptcy court in XX/XX/XXXX and debt was disolved in XX/XX/XXXX. I have called the contact phone # listed on the letter plus other numbers given to me by Citi bank associates only to have the letter read to me over the phone. I was also given a website : XXXX XXXX but when I put the letter reference # and my last name the data base did not recognize the information I submitted. I am getting no where with this refund that is due to me. I no longer have an account to credit a refund to and the debt has been disolved. Your agency is listed in this letter stating that Citi made an agreement with your agency to refund certain customers who were charged for a service they were not enrolled in. I fit into that criteria. I hope you can assist me with this problem because I have been getting no where with Citi bank even after I spoke with a supervisor requesting a refund check. I look forward to hearing from you and getting your assistance in this matter Sincerely, XXXX 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 explanation
Consumer complaint received 05/29/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I am the mortgage owner. My mortgage modification is unaffordable, because I am on a fixed income, due to medical issues ( XXXX ). My wife is assisting me, but she has her own bills and she is not on the mortgage. My income is {$XXXX} per month, and I am not asking for a free mortgage, but a $ XXXX {$800.00} mortgage would be more reasonable then {$1200.00} that is currently being asked for. 
The property value has diminished, due to the current net present value and community down grade. My neighbor next door value is approximately {$99000.00}. We have been very patient with the Bank, by coming in a few years ago to speak with a representative, but to no prevail. We love our home and want to stay here. We are only asking that request be taken seriously, as being given a true modification for the benefit of the customer. 
I look forward to hearing from you to address the above concerns.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2016 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Taking out the loan or lease

Complaint: Long story short is that Capital One Auto Finance did in fact agree to finance a vehicle on behalf of consumers that they knew would later be rescinded resulting from an ongoing unresolved dispute involving Capital One and XXXX XXXX XXXX XXXX XXXX, Maryland. Capital One conducted credit checks when they knew that there was no real intent to finance the loan. They entered into the contract after they some how systematically discovered that another financial institution agreed to finance the vehicle under more peaceful and less stressful terms. They failed to address the ongoing dispute and complaint filed against them resulting from a previous deal that went wrong. On Sunday XXXX XXXX, XXXX a vehicle that consumers attempted to purchase was in fact repossessed because Cap One rescinded on the deal. On XXXX XXXX, XXXX Cap One agreed to finance the vehicle. On XXXX XXXX, XXXX Cap One agreed to finance a vehicle that failed to operate in Reverse ; thus faulty transmission with that vehicle. Subsequently consumers have filed complaints against CapOne and the dealership seeking to remedy, sever, and abate the contract. Furthermore seeking a clean savage Maryland Certificate of Title as result of the faulty transmission. Cap One has failed to comply. Why did Cap One agree to finance the vehicle when they knew that another source was interested. They knew that there was no real intent to finance pending a previous deal that went eerr/wrong. Why did they feel a need to tamper with the credit process when they knew that the deal would later be rescinded. Failed to notify consumers of their intent to repossess the vvehicle that they knew was no real intent of financing. Clearly there has been an improper misuse of consumers credit information. Clearly this businees is engaging in retaliatory actions ad result of pending consumer complaint. It 's not the consumers fault that XXXX XXXX sold us a vehicle with a defaulted ; failed transmission. As consumers what are we suppose to do?

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation