milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-11-2015 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (CO).
Issue: Loan servicing, payments, escrow account

Complaint: We have a home loan with USBank, and we 're told our insurance 'ran out ' as of XXXX XXXX, 2015, and were sent a letter dated XXXX XXXX stating we needed to provide proof of insurance, or US Bank would buy insurance for us. After repeated faxes and emails to the contact information they provided, our insurance carrier says the emails keep bouncing back, and when I call US Bank, they have no record of the fax being received, either. Several years ago, we received a very similar letter from US Bank, also stating our insurance had expired, and if we did n't provide proof of insurance, they would buy insurance for us. At that time, we did n't call US Bank, since a call to our insurance provider verified we had uninterrupted coverage for the property, and they faced a copy of the policy to US Bank. However, what we did n't realize at that time was that US Bank had changed their fax number, but did n't notify the insurance company or provide them with a new ( correct ) fax number. Because they 'never received the fax ' they charged us for the cost of US Bank purchased extra insurance, and would n't remove the policy and extra cost, even after we provided proof of continuous insurance. They added this extra cost onto our insurance, without notifying us. It was several hundred dollars more a month, for over a year. My fear is that they are going to do the same thing this time, since they have n't been able to provide a correct fax or email address to either us or our insurance carrier. Because US Bank makes a substantial profit on the sale of this type of insurance, my belief is they intentionally change their fax numbers, ensuing insurance updates do n't come through, and charging homeowners for the extra insurance. I have spent over 5 hours in the past few days on the phone with them, just trying to get the correct contact infoation to give to our insurance provider, and each time I get a different email/fax, and each time it does n't work.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2016 about Money transfers (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NJ).
Issue: Fraud or scam

Complaint: On XX/XX/2015 at XXXX EDT, I made a Moneygram transfer transaction at the Walmart location at XXXX XXXX XXXX XXXX, XXXX, reference code XXXX, in the sum of {$2000.00} with a fee of {$40.00}, to be delivered to a ex-officer friend in XXXX. Unfortunately, when the XXXX went to collect the money, he was told the money had already been received. I made a formal complaint to Moneygram on XXXX XXXX and i was told it would take upto 90 days for an investigation to be conducted. The complaint number is XXXX. Since then, I have tried several times to check on the status of the investigation, and each time i was either put on hold for several minutes and then disconnected, or told to wait for an email response.On XX/XX/2015, i got a voice message from a XXXX at XXXX XXXX stating that the investigation was still in progress and that they would send me email about the status within 2 weeks. More than 2 weeks went by but i did not receive any email. I followed up with XXXX but got no response and left several messages. I made several other attempts and finally somebody told me that the case was closed and that they had evidence that my friend collected the money. i asked for the documentation proof of the money collection transaction receipt to be mailed to me, but i never received them. In particular, i wanted to know where in XXXX the amount was disbursed, the name of the issuing agent, the receipt of the transaction showing the signature of the person who collected the money, and the form of ID used. I called again and again, many times running into dropped calls, and finally a person I talked to told me that i could only sue them ( Moneygram ) in order to get the information. i sent a final email and a hard copy mail to Moneygram XX/XX/XXXX and I was completely ignored. Moneygram fails to admit the fact that there have fraudsters working for them. There are many of such stories as mine. For several years, I have made several money transfers to this family friend of mine and i trust him well to know that he will never defraud me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/21/2018 about Debt collection (Private student loan debt) with Account Control Technology, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Summary : XXXX XXXX was negligent in the handling of XXXX XXXX forms needed to have tuition payment submitted to the accounting department within a timely manner, which ended-up having them take a strong collection against me and utilizing a collection agency that is not licensed in Florida where I reside ; over an incident that occurred during the fall of XXXX. Additionally, the business office of XXXXXX/XX/XXXX is now, which I believe, is trying to cover-up that collection because they submitted to XXXX XXXX on XX/XX/XXXX the deferment letter I sent to them during the fall of XX/XX/XXXX, which was a requirement of XXXX XXXX. The representative, XXXX XXXX, Recovery Specialist Business Office, Direct Line : XXXX, called me on XX/XX/XXXX to let me know that she was authorized to reduce my debt by {$200.00} off the {$1900.00}. She also stated that she would call-back XXXX  XXXX XXXX to avoid any further collection from them. As of XX/XX/XXXX, my collection report shows that the balance of {$1900.00} is still being reported by the collection agency, with a new update on XXXX that was reported XX/XX/XXXX. 

My earlier conversations, which extend back more than a year or so, have argued with the business office that I was demanding the school take responsibility for the mishandling and negligence of my XXXX XXXX Form that would have allowed the school to receive payment for the Fall Semester, especially when there was money available on my XXXX XXXX account. The school refuses to admit fault. 

On XX/XX/XXXX, a call was placed to XXXX at XXXX XXXX, which I had left a message on her voicemail with my findings on how I thought it was odd that her department would send over the Deferment letter to XXXX XXXX on XX/XX/XXXX. I also stated that the collection agency was still reporting and that I was now going to file official complaints against the collection agency and the school for their inappropriate handling of my account and the hardship the collection agency is doing to my credit file.

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 03/20/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: My former mortgage company was bought out by Green Tree. My statements from Green Tree are now about {$300.00} more a month. I have a fixed rate and nothing else has changed. I went to my financial institutions mortgage specialist and he reviewed my disclosure statement from Green Tree. It looks as though Green Tree raised my PMI and is now charging me {$4000.00} a year ( approximately ) for PMI that I have not had on my mortgage for the last 11 years. I feel this is a dishonest charge from them. Furthermore, the mortgage specialist seemed to think it was not a legal tactic to raise the PMI by that much.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Ally Finan I Inquiry fromXX/XX/XXXX Institution Information Ally Finan I XXXX, MN XXXX ( XXXX ) XXXX Hard inquiries generally occur when a financial institution, such as a lender or credit card issuer, checks your credit report when making a lending decision. They commonly take place when you apply for a loan, credit card or mortgage, and you typically have to authorize them. Hard inquiries could lower your credit score by a few points and may remain on your credit report for two years. Fortunately, as time passes, the damage to your credit score usually decreases or disappears, often even before the hard inquiry falls off your credit report. I have no knowledge of this account nor why they were checking my credit score. Please erase this inquiry. Thank you!

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 03-12-2018 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In order for my cousin XXXX XXXX to received needed XXXX XXXX ( XXXX ) the dentist office offered a card called CareCredit issued by GE Capitol Retail Bank. My cousin had very poor credit so I cosigned a form which showed a " credit line of {$3300.00} '' ( see attached ). The account number was XXXX. The card was granted and my cousin had the work performed on her XXXX. Months went by and I received a call from CareCredit/XXXXXXXX XXXX telling me that my cousin had missed a payment. I asked about the balance of the card and I was told it was over {$10000.00}. I paid the past payment and I asked why the balance had gotten so high without my authorization. I was told that since my cousin was the primary card holder, she could increase the credit line without my authorization. I was told this was in the Ts & Cs.

If the credit of the primary cardholder is so poor they needed a co-signer, why in the heck would the bank not included the co -- signer authorization when increasing the credit limit.

I later asked for a copy of the Ts & Ss and I received a letter from XXXX XXXX ( see attached ) that since my form was 'taken electronically '' that a paper copy was not available. I was planning on fighting them but that would result in my credit history being damaged. Due to an interest rate of over 30 % I finally paid off the balance and my cousin is paying me back. I recently found out that I have a ding on my credit report from XXXX XXXX for a late payment. 

How in the heck can banks operate like this? First they provide false information, do not provide the required paperwork and then submit a late payment on my credit report.

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 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I filed on XX/XX/XXXX both by phone and filed on line with XXXX. Reporting that my loan with XXXX XXXX XXXX XXXX was incorrect. XXXX has not shown a payment since XX/XX/XXXX. The 1st excuse in improper credit reporting was XXXX XXXX not reporting. 2nd excuse It takes XXXX 90 days to show credit payments. It is now XX/XX/XXXX and I have not received a correction of 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 02/28/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (TX).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I received a Care Credit Card for medical use with a limit of {$2500.00}. I was never informed that my credit limit would decrease to {$1000.00} - I found out by looking at my card info via the Care Credit App on my mobile device. I then contacted XXXX XXXX and was told about no longer having a {$2500.00} limit, it now shows only {$200.00} limit. 

I believe Care Credit is unprofessional with their tactics on reducing your credit limit without informing the customer with a reasoning.

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 05-03-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: My account was overdrawn and I deposited via banking app my paycheck to cover it on  XXXX . I checked the next day  XXXX  to make sure everything was ok and my account shows s a ten da y hold on the deposit. I deposit my paycheck the same way for the same amount every week and there has never been a hold before. I contacted the bank on  XXXX  and was told that it was for my protection so it could be verified. I told them that the check is from my business and it is good it did n't need verification. I asked to speak with a supervisor and spoke to a gentlemen named  XXXX  and he checked into the situation and stated that nothing could be done and suggested that I deposit more money or I would keep being charged for the overdraft. How can this bank continue to do this to people. I have been banking with the same branch for over thirty years and have stayed th ru six different b anks being bought out but this will be the last B ank of Americas creativ e banking techniques have to be stopped. This bank will continue to take advantage of people because they are allowed to by our government agencies.

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 08-07-2015 about Consumer Loan (Vehicle loan) with EXETER FINANCE CORP. (CO).
Issue: Shopping for a loan or lease

Complaint: I visited XXXX in XXXX, CO and was looking at cars. They let me know that they were running a credit report to see what loans I qualified for. I let them know that I only would allow one company to run the report ( XXXX ) and they agreed. They did not tell me that other companies would be running a credit report to give me loans and I specifically told them that I did not want my credit run through finance companies I did not approve of. I was unaware and did not give understandable permission for this company to run a credit check on me. I was pressured into running a credit report when I did not want to because I was a first time car buyer and unaware that when XXXX ran the report it would go through numerous agencies. They did not clarify and tricked me. I think this is unfair in that it affects my credit score negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Consumer Loan (Installment loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (OK).
Issue: Managing the loan or lease

Complaint: The monthly statement lists the New Balance Total, Total Credit Line and Total Credit Available. I have not accessed the credit line in years but called today to request money from the credit available. I was told the account was closed and I could not access any money. 
The statement is deceptive and misleading. All this time I considered that available in the event of an emergency. I call today and only need XXXX of what is stated as available and told no, there is no credit available.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Last month I sent a certified letter to Experian to dispute an Account # XXXX currently being serviced by XXXX XXXX XXXX XXXX company. I filed a complaint with the Consumer Financial Protection Bureau against this company back in XXXX of 2015 complaint # XXXX. CFPB sent my complaint to XXXX XXXX XXXX on XXXX XXXX, 2015, and was suppose to get a response from this company within 15 days. Today is XXXX XXXX, 2015 and still no response. I filed a complaint with Experian Credit reporting agency and received their findings concluded that this account was validated by the collection company, but yet in still they have not responded to me or the CFPB. I am sure that Experian did not validate this account but from what I have read are friends with the owner of this collection company and are protecting this company interest. I want Experian to provide me and the CFPB with the validation information received from this company. And I want this account removed immediately from my credit records and confirmation of this sent to me immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-02-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (DC).
Issue: Credit determination

Complaint: Capitol One entered XXXX hard credit checks against me today, and I have no business with Capitol One. Please remove it.

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

Complaint: Equifax 's poor security concerning consumer data 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. This leak happened more than a month ago, and they still are not notifying potential victims. 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. I think it is ridiculous that they only offer 1 year of free protection, and that they make us accept terms that include an arbitration clause. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Consumers should not have to file a police report to receive a free credit freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with ENCORE CAPITAL GROUP INC. (WV).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: I have received several phone calls made to my work phone, as well as my cell phone, and my husband has also been harassed via his cell phone, mailed correspondence. This debt was a credit card, original debtor XXXX XXXX XXXX, which is now being handled by XXXX XXXX XXXX or MCM. This debt was paid for an agreed amount of XXXX. XXXX ( settlement ). A check was issued in the amount of XXXX. This check shows as being endorsed by MCM on XX/XX/XXXX. The check was made out to XXXX XXXX XXXX  with myself an my husband 's name listed as in reference to. I spoke with a representative from MCM and was informed that an e-mail was generated to XXXX XXXX trying to locate how the check was credited or if it even was. They also stated that because both of our names was on the check, when the account was in my name, that they didn't know where or how to credit my account. This last contact is the first time someone had explained that much to me. This has been going on since XX/XX/XXXX. They simply keep saying I owe this debt even though no one can explain where the cashed check went to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-10-2016 about Debt collection (Medical) with Retrieval-Masters Creditors Bureau, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Upon reviewing my credit report I noticed that American Medical Collections was reporting an account. I called them and I instructed them that I have no idea what this account was about. I advised them that I have full medical coverage and that I have no outstanding medical bills. I explained to them that I was willing to pay the amount of {$120.00} but I needed for them to remove this information from my credit report as the account was not mine. I offered to pay the account as my job is extremely sensitive to my credit report. I was instructed that they will not remove the information because I verified my address. I explained that I never received any notice or mail concerning this account. But they continue to insist that they will not remove this account even if it was an error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TN).
Issue: Settlement process and costs

Complaint: I am in the process of selling my home and have moved the closing date twice due to Ditech not having the title on my home. I have a little over XXXX acres and a doublewide and they are showing it as real property and have a deed of trust. The title company attempting to handle the purchase for the buyers and myself have attempted to speak with someone from Ditech since XXXX to explain the situation but they will not let us past customer service. They keep saying they will do a work order and send it in but when I call back as they will not return calls I am informed there is nothing they can do as they are not required to have a title. Here is the background. We purchased the doublewide and had it set up on property we also purchased and done the mortgage through XXXX who went out of business. XXXX XXXX XXXX took over the loans to my understanding. At a later date, Green Tree purchased my loan from XXXX XXXX XXXX and Green Tree later changed its name to Ditech. The title never exchanged hands from XXXX apparently as when I called XXXX XXXX XXXX they stated that they also showed the home as having a deed of trust as Ditech does. The XXXX company however has found an active title on file in the state of TN and it has XXXX listed as lienholder. I went to my local county clerk 's office and they were able to pull it up and show it to me with no problem so the title company is correct. Now the problem is, I 'm blocked from apparently selling my home because my current lender ( Ditech ) refuses to accept the fact that there is a title out there and all that is needed is for them to simply apply for and {$11.00} duplicate title!! Customer Service is not allowed to transfer calls to anyone we can explain this to that will understand what we are talking about. Even if I was to keep the home and pay it off I would not own it without the title!! I am about to loose the sell of my home over a senseless disrespect of customer service and {$11.00}. Please help ... Ditech is treating their customers wrong by not answering questions correcting, returning phone calls, nor assisting in matters that are their responsibilities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation