milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-05-2016 about Payday loan () with Mobiloans, LLC (VA).
Issue: Can't stop charges to bank account

Complaint: Second complaint I applied for a mobiloan loan in XXXX XXXX and received my first statement on XXXX/XXXX/XXXX. With an approval of {$1200.00}. Mobiloans hides behind the false claims that this is a revolving line of credit however my payments averaged {$160.00} to {$150.00} dollar every 2 weeks. I am being charge along with my payment a cash advance fee averaging {$75.00} every 2 weeks because the account has a balance. Mobiloan loans only applies an average of {$45.00} towards the principle. The loan limit was never increase however just like anyonline cash advance loans you can borrow up to the balance of {$1200.00} when you make your XXXX week payments. Mobiloans gets awaywith not posting a high interest rate by camoflaging it with a finance charge of {$73.00} to {$75.00} every 2 weeks. Technically this interest rate hidden as a finance charge is over 90 % After a year XXXX XXXX Mobiloans will not allow you to borrow towards your XXXX limit until the balance is paid in full however they continue to charge the finance as a fake high interest rate every XXXX weeks that will never allow me to get out of this fake line of credit account. Mobiloans does not give a statement to reflect past payments applied to principle and amounts of finance charges instead they provide XXXX statement a month for any transactions or charges that month no yeat end statement in order to camofloug claiming this is a line of credit. If it is like a credit card the annial percentage is about XXXX to 28 % and the most finance charge is around {$30.00} a month based on thr {$1200.00} instead ot is just like a pay day cash advance {$320.00} fees towards a {$1200.00} cash limit. I have paid an average of {$3200.00} for this loan. When I had a balance around {$550.00} it was added to this loan the most {$1700.00} average total in loans. The payments I made was paid twice and still have a {$1700.00} balance and at thay time I would have paid over {$5000.00} for {$1700.00} in loans this is legal loan sharking and predatory loan practicing under the umbrella of a line of credit this is a loan from the United States not overseas predatory lending should be banned i. The XXXX

Company response to consumer: Untimely response
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax has mishandled my information ( social security number, addresses, etc ) and put me at risk. Furthermore, I can not obtain a copy ofmy credit report from them in order to check if there is any fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Mortgage (FHA mortgage) with Prospect Mortgage, LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I obtained a XXXX Mortgage from Prospect Mortgage in XXXX thatincluded 3 months of mortgage payments. Prospect transferred my loanto XXXX who did not apply those payments so that when I made mypayment in XX/XX/XXXX they returned the payment saying I wasin default for not paying the first 3 months. I called Prospect and was toldthey no longer service my loan and referred me back to XXXX. I wentback and forth like that until I hired an attorney to assist me in XX/XX/XXXXto see if I could get a Making The Home Affordable Modification. Aftermy attorney did research it was found out that XXXX failed to applymy 3 month payment that was sent to them from Prospect Mortgage andthus made it seem like I did not make the first 4 contractual paymentsunder FHA. As the loan was a gut rehab XXXX loan with $ XXXX towardsthe work to be completed I could not live in the home until the house wasat least habitable ( with working toilet, kitchen and bedroom ). Prospectdue to XXXX 's negligence in handling my payments was informed ofthe forced delinquency and then refused to pay my contractors. So Ithen had to come out of pocket to pay them for the work they had done. 
XXXX stated they could n't give me a Modification because they didn'tfind evidence of my first 4 contractual payments which would have beenthe case had they appropriately applied my 3 month mortgage escrowand my XX/XX/XXXX payment which they returned. When evidence of thenegligence on XXXX 's part was presented their next argument wasthat I did n't live in the home. Which did not have any working plumbingnor was habitable due to their incorrect classification of me as a delinquentborrower. Prospect Mortgage has not released any money since XX/XX/XXXXfor work repairs. I need to have my home complete before the end of yearas I need to put in my boiler for the winter.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Debt collection (Credit card debt) with Dynamic Recovery Solutions, LLC (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I do not have a contract with Dynamic Recovery Solutions, I do not owe them anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/27/2016 about Mortgage (FHA mortgage) with RoundPoint Mortgage Servicing Corporation (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: I lost my job on XXXX XXXX XXXX. I was unemployed with a few jobs in between for over two years. The first year I borrowed money from my parents to pay the mortgage but XX/XX/XXXX I could n't anymore. So I started not to pay and applied for a modification After all this time, I was just notified two days ago that I was declined for every option of the loan modification. My wife who is n't on the loan her income is XXXX a month, and mine is now XXXX a month, I got a job since. They told me that my only option is to come up with the XXXX that I owe in back payments or I can do a died in Lieu, a chapter XXXX a short sale or they will foreclose. As far as I know there has n't been foreclosure date set as of yet. I do n't want to lose my house. I have XXXX kids and it would really not be a good issue. They wo n't do a principal forbearance for me either. I would like to get a principal forbearance so that I can keep my house. They are n't very helpful or responsive. They have been the worst to deal with. It seems like they would rather foreclose then assist us in fixing the issue so we can keep our house. I am hoping that you can assist in getting this done. I really ca n't afford any more losses in my life and this would be devastating. Having a lender that is n't willing to help find an option is really hard.

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 03/29/2016 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I contacted Experian on the phone because it would not allow me to dispute an address online. I called several times to dispute an address that is incorrect and does not belong to me. They refuse to remove it from my credit report. This address belongs to a family member and I do not live 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 06/23/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Problems caused by my funds being low

Complaint: Dear XXXX : I had some XXXX seller fees that I paid double on. These were paid automatically, and manually. I was unaware of the automatic payment, which had posted to my bank account. Having sufficient funds to cover this amount, I made payment upon it. I had no other pending transactions or activity. My account was at a positive level. Having immediate pharmacy needs, I withdrew from my account knowingly bringing it to a negative balance and accepting a single overdraft fee of {$35.00} for that withdrawal. From XXXX ( the date XXXX received payment ) to XXXX XXXX when I deposited what I could ) my account still reflected this. I also filed a refund for the double payment to XXXX. On XXXX I was charged with XXXX additional overdraft fees of {$35.00} for the XXXX XXXX transactions ( amounts of {$3.00} and {$0.00} ) made on XXXX before my account was overdrawn. Wells Fargo agreed to reverse the XXXX overdraft charges for payments that were in the amount of {$3.00} and {$0.00} once they receive a refund from XXXX. However, I still can not help but notice that my account balance was sufficient to cover these XXXX transactions before my account was overdrafted by an ATM withdrawal. XXXX has a receipt of payment posting at around XXXX and XXXX before the withdrawal according to the ATM receipt. In addition, a Wells Fargo email shows that my balance was on point to this sequence as of XXXX/XXXX/16. I can only conclude that the {$3.00} and {$0.00} were delayed by the bank after my ATM withdrawal leading to XXXX additional fees of {$35.00} each. Being in California, I beleive that this is illegal XXXX Wells Fargo XXXX which was upheld last month the the XXXX XXXX XXXX XXXX XXXX XXXX I have been making deposits to my account to pay for the single overdraw that I willingly made, however, I am still stuck with {$70.00} of fees on {$3.00} in transactions. I have written to Wells Fargo numerous times and been given the 'run-around. ' This has had a claim filed, correspondence with customer service, and passed up to the executive office with no action yet taken. Word has been given to reverse the charges upon refund, but still this does not mitigate the fact that the sequence of transactions makes the fees unwarranted. Either way you cut it, this rests in a realm between terrible customer service and questionably legal business practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/17/2016 about Debt collection (I do not know) with National Bureau of Collections, Inc (IL).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: This was a number I 've had for 10+ years, and for a debt that is not mine. Nor do I have an association with the individual the caller is attempting to reach or the county that is referenced. 

The call was from XXXX, which a XXXX search identifies as owned by National Bureau of Collections in Oklahoma. The call was received on XX/XX/2016 at XXXX. 

Caller states the call is for a male named XXXX XXXX (? ). Caller identifies herself as XXXX XXXX. She states XXXX XXXX has an outstanding warrant in XXXX County and needs to contact her by XXXX.Caller directs XXXX XXXX to contact XXXX, extension XXXX. 

At no time did caller identify her company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 06/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with American Collections Enterprise, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX/XXXX/XXXX I contacted XXXX XXXX and paid the final bill of {$1800.00}. Then over 1 year later starting in XXXX XXXX we started be contacted by ACEI to collect the final amount of {$470.00} ( +/- ). We have not only confirmed that our balance is paid in full with XXXX but I also have a final statement. I have explained this to ACEI and they do not accept that. Not only was I not made aware that this went to a collection agency but I also do n't agree with their added fees.

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 09/26/2017 about Mortgage (FHA mortgage) with EQUITY LOANS LLC (MD).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I bought a house recently but had serious issues with the mortgage lender/loan officer I did business with. XXXX XXXX XXXX is his name. He was previously with Equity Prime Mortgage but is no longer employed by them. Equity Prime was very helpful with this complaint. XXXX XXXX, during the process, advised me that his company pays the up front fee for the appraisal ( {$550.00} ) and he has already paid the company for that fee. He then asked me for a personal check to reimburse him ( {$550.00} ) to which I agreed. He was supposed to credit this money at closing. About a month later, I got an email from the appraisal company asking to pay the appraisal fee. XXXX XXXX then told me there was a mix up and the company did not pay for the appraisal and told me to pay it to them and he would credit both fees at closing. I unfortunately agreed. At the end of the process, XXXX XXXX attempted to have me sign a mortgage at 4.25 %. I did n't agree with the terms and was able to procure a rate of 3.75 % the same day with another company. Therefore, I did not close with Equity Prime or XXXX XXXX. I asked him then to repay the {$550.00} I personally gave him and he stated he would when he got it back from the company. I have since learned that he is no longer employed by Equity Prime and they did n't know about the money as they never ask for personal checks or money. He has not repaid me and will not answer my requests. 
XXXX XXXX XXXX XXXX NLMS # 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 02/16/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: On XX/XX/2018 Bank of America, charged me a late fee of {$25.00} for my account ending in XXXX. I had submitted my payment on the XX/XX/XXXX but kept getting an error message. It said I had to enroll in bill pay. So I had to go to the full site and then use the mobile site to make the payment. This was not a payment I submitted lay but due to a glitche on Bank of America site.

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 03/24/2015 about Debt collection (Auto) with Accelerated Financial Solutions, LLC (NV).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I am a victim of a parked debt bought by a debt collection company. The problem is the company is reporting the debt as open recently, it 's not. This is illegal and that 's the reason for my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Debt collection (Payday loan) with CASHCALL, INC. (LA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: Someone named XXXX XXXX called claiming I was being served at my job between the hours of XXXX and XXXX XXXX CST on Monday, XXXX XXXX, 2016 and was told to notify my supervisor that I will be served at my job as well about this but did not know what it was about. Was given a case number of XXXX. Contacted the company today and they identified themselves as XXXX XXXX XXXX. Gave them the case number and the person put me in contact with " XXXX XXXX. '' Well, this person who said she was " XXXX XXXX '' suddenly said her name was " XXXX '' and that I was sued by Cash Call and there were XXXX charges against me. I asked her to send it to me in writing and she refused to send me anything.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I shopped often at MACYS but I never applied for a credit card with them. After I checked my credit about 5 months ago, an account from Macys on my credit report, which showed a balance of {$180.00} dollars, that was charge-off. I immediately contacted the number that was on my credit report from Macys and tried to speak to someone in the fraud department. Unfortunately they kept me on hold so long, I had to hang up. I then contacted XXXX and spoke to a credit analyst and they were kind enough to tell me what to do. I contacted XXXX XXXX police dept. and filed a police report. ( no.XXXX ) it was approved by officer XXXX with badge # XXXX and then field an identity theft report with FTC .Ref (. # XXXX ). Then I sent a copy of the police report, with the FTC report, to all three major credit bureaus via certified mail and informed them to block my credit file. I also contacted MACYS and send them a copy of police report along with FTC report and inform them there is An account from MACYS is appearing on my credit report and I am not aware of having any account with their company. I request that they investigate this matter and provide me with the following : A legible copy of the original signed agreement for this account, which should show my personal information, as well as my signature and any other documentation verifying the account is, in fact, mine. If they can not or will not provide me this information, then I formally request they send me a letter stating that this account does not belong to me and that it will be removed from my credit reports.Until this matter is cleared up, I firmly request that they stop reporting this account altogether. this is what happened I received a letter from macys fraud department stated they had reviewed my claim for unauthorized activity and they regret to inform me my claim can not be accepted base on account history. I got so frustrated with the letter that I just received, I immediately contacted the fraud investigation dept. at XXXX and I requested to speak with a supervisor for a copy of the original application for my review. To date, I have not received any of the requested documents.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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 contacted experian via letter and ask that they verify and validate public record aka a bankruptcy that listed on my credit report, they returned the item as verified, I requested a method of verification by phone with a agent on XX/2018 at XXXX eastern standard time, she said the courts verified it, when I told her that the court did not verify anything I have a letter she claimed XXXX XXXX a third part runner verified it, I said thats a violation of the FCRA guidelines and XXXX XXXX need to be listed as the furnisher of this information and a contact information, I requested they tell me who at XXXX XXXX verified it the date it was verified by them so I can contact them, she then stated that she is not sure if XXXX XXXX verified this information ... now she says she dont know who verified it.. well by law you have to know who verified it or else its not verified that means your computer verified it and thats invalid and inaccurate ....

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 03-09-2017 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: Our original mortgage had the wrong property city and zip. Original mortgage had property city as XXXX and zip as XXXX. We recently received a loan modification and the loan modification contained the correct property city and zip. According to our Servicer, Ocwen Loan Servicing , LLC, the entity that currently owns the account and holds the note is XXXX BankXXXX as Trustee for Option One Mortgage Loan Trust 2006-1, Asset-Backed Certificates, Series 2006-1, XXXX XXXX : XXXX, XXXX, MD XXXX. The new modified loan balance has been reported and reflected in the trust, but the property city and zip are still incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Credit reporting () with EQUIFAX, INC. (IN).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing a complaint since Equifax has ignored me several times in providing verification documentation that their company has on file for the accounts I disputed. It has been well over XXXX day and since they can not verify, under Section 611 ( 5 ) ( A ) of the FCRA, they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (VA).
Issue: Problem with fraud alerts or security freezes

Complaint: XXXX XXXX allow an protect an identity thief whose use one card fraudulent linked to my social security. They ruin my credit and when I call they laugh about me and transferred the call 10 times and hang out the phone 13 more times. I do n't know what to do, I called several times to the credit card but they are hanging the phone on me, they are protecting the thief and they do n't want to recognize that they failed in the identity verification process for over 20 years. The person who is using the card is my father and they have been send the statement to his address for over 20 years. I did n't know about this situation until a Lender Company in XXXX NM run my reports and found this problem with the credit card. I asked several times where they are sending the monthly statements or who paid for the card, but the credit card company did n't want to help me and protect the thief.

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 04/15/2017 about Credit reporting () with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I AM DISPUTING XXXX REPORTING. 
I have a collection on my report from Portfolio Recovery Associates on XXXX. The account is not mine and it was closed and removed by Portfolio Recovery Associates on XXXX other credit agency but not on XXXX. The credit card charges are from XXXX XXXX. 
Portfolio Recovery Associates were supposed to make sure that that account will be removed from all credit reporting.

Company response to consumer: Closed with explanation