milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-12-2015 about Mortgage (Conventional fixed mortgage) with loanDepot.com, LLC (FL).
Issue: Settlement process and costs

Complaint: The closing for my home at was supposed to occur XXXX. The paperwork was submitted to the lender XXXX XXXX or so, but we learned yesterday that the lender -- iMortgage of XXXX, FL -- did not send the buyer 's package to underwriting. This has indefinitely delayed the sale of our home. We have had to cancel utilities, movers, caregivers, and has cost us XXXX of dollars in fees as a result. When we asked XXXX XXXX -- the man responsible for this mistake -- to rectify it by rushing the package, he said, " These things take time. We are just understaffed. I do n't see what the problem is. '' We noted that he had time -- months. He then said that the loan officer responsible for the file quit in XXXX, and no one bothered to check her email to help the clients with whom she was working. He then refused to take any phone calls or emails from us or any of the realtors involved, updating us on the process so that we could reschedule movers, etc. When he finally called us back after repeated attempts to contact him, he said he would not be able to close us on XXXX. To clarify, what has happened is not just that his company failed to process the paperwork for the sale of the home ; rather, iMortgage failed to determine if our buyer is good for the loan! This means, not that the closing may be late, but that it may not happen at all -- which will result in the loss of the home we are buying as well -- a XXXX dollar transaction gone awry. The lender has also asked us to extend our closing date past our lock rate date. Our mortgage lender has told us this will cost us {$1200.00} ( to lock the rate we secured sixty days ago ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Credit card () with AMERICAN EXPRESS COMPANY (NC).
Issue: Advertising and marketing

Complaint: I applied for an American Express Delta Skymiles Credit Card in XXXX 2016. I have screenshots from XXXX and the application showing that the offer was for XXXX miles however I am being told it was only for XXXX miles. I have clear evidence showing that the website said XXXX miles. I complained to Amex and it took 5 weeks for them to say they would not credit me the extra XXXX miles as promised. They claim the offer said XXXX and that is that. They consider the matter closed, however I believe there is malpractice here in advertising because the website clearly shows XXXX miles when you spend first {$1000.00}. Even when I showed them evidence of this they said no. They claim my offer said XXXX miles but the screenshot shows I was logged in under my skymiles profile and it clearly says my name in the web page and an offer of XXXX miles. I tried to reach out to their executive office to no avail. I am very dissatisfied with the level of service and misleading credit card application. I feel like I have been deceived and that I was tricked into opening a credit card and am not receiving the full benefits promised on XXXX. I complained to the XXXX and American Express now says they will no longer respond to my complaint since the " issue is resolved '' however it is not resolved at all. Screenshots attached.

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (TN).
Issue: Settlement process and costs

Complaint: In my divorce it states that my ex husband is responsible for everything with the house. I signed a quit claim deed in the process as well. I am the primary borrower and he is the secondary borrower. I found out that he modified the loan without my permission. I called the lender to see if he had signed my name. They said they only needed one signature. I explained that I know you always need everyone 's signature. They stated that since I signed a quit claim deed they did not need my signature. After signing the quit claim deed I found out that the quit claim deed has nothing to do with the loan. After explaining this as well they told me sorry that 's the way it is. I stressed if they do n't need my signature then they do n't need my name on the loan and to remove it. They said that was not how it worked and just kept repeating that 's the way it is.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Credit card () with JPMORGAN CHASE & CO. (NC).
Issue: Delinquent account

Complaint: In XXXX I signed up for a Chase Marriott Rewards card. I ran into financial problems and the account went into charge off status. I ran a credit report in XX/XX/XXXX and found some inaccuracies in the way they were reporting the information to the 3 credit bureaus. I sent them two letters certified asking them to look into the inaccuracies. They include ... reporting different dates of activity post charge off, an inaccurate final balance, marking the account past due and charged off simultaneously. The final straw was they failed to inform the credit bureaus that I was disputing the tradelines and they failed to have the disputes noted on the reports within 30 days per FCRA Sec 623. In fact they have NEVER had the disputes noted. The creditor can be fined {$1000.00} per incident. I will attach copies of my reports and certified letters to this complaint. I called Chase to resolve this by offering to pay the disputed balance but they said I no longer had an obligation to pay since the account was charged off and not in collections. I asked then ... if it is charged off and not in collection how can it be past due? Past due would reflect an open account status. At this point this is my last step before litigation. The incorrect way that the account is being reported is leading to a worse credit score than if it was properly reported. Chase has violated my rights under the FCRA by not reporting the account as disputed with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2015 about Debt collection (Medical) with CMRE Financial Services, Inc. (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I 've notified them several times that I 'm a veteran and I did go to a va hospital. They reported an illegal transaction on my credit report that I 'm 1 month late as a charged off account. The original date is back from 2010. They re-aged the date on my account in an attempt to prolong the time frame to collect which is illegal and unethical.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I could not continue making payments to XXXX XXXX XXXX XXXX XXXX NE XXXX in XXXX XXXX. I called them and made arrangements for the vehicle to be returned. XXXX XXXX XXXX reported a " charge off '' of {$11000.00} to TransUnion. XXXX then sold the debt to a third party ( XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX. ) In XXXX XXXX I contacted XXXX to pay off the debt. XXXX referred me to a third party collector XXXX XXXX XXXX ( XXXX ). I contacted XXXX and we agreed upon {$7700.00} to settle the debt, and I overnight mailed XXXX a cashier 's check. 

Now the problem : I obtained copies of my credit reports from all XXXX credit bureaus and the debt remains showing as a " charge off. '' XXXX says they wo n't report this account as " paid '' to TransUnion, that it is XXXX 's responsibility even though XXXX is mentioned on the credit report under XXXX 's Name. XXXX says they wo n't change the status. I have disputed it with TransUnion three times and submitted proof of settlement and payment, but TransUnion refuses to accurately update the credit report. 

I submit that : one, when XXXX XXXX XXXX sold the debt to XXXX XXXX XXXX, the debt ceased to be a charge off and that XXXX should have changed to status from " charge off '' to " debt sold '' ; two, once XXXX was informed by XXXX that the debt was paid/settled, that XXXX must change the status on the credit report to " paid/settlement '' ; three, that since proof of payment has been provided to TransUnion three times and that this inaccurate information on my credit report has been disputed three times ( and that XXXX and XXXX both acknowledge that the debt is paid, ) that TransUnion must change the credit report status from " charge off '' to " paid '' or " settlement. ''

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 08/13/2015 about Debt collection (Medical) with Bonneville Billing and Collections (UT).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Bonneville Collections is collection on a bill they say I owe to a dental company i have never been to, in addition this XXXX company has sent me bill for other people and then a bill for me showing a XXXX balance. They bought this " debt '' from another XXXX and mixed up patient ledgers and do n't know what patient had what work done, but because I have a similar name to one of their patients sent me the bill. They refuse to send me original patient ledgers for this " XXXX '' they keep sending me ledgers from the XXXX office who I have never been too. I have also sent this collection company a letter to not call me by phone and they called me today XXXX/XXXX/2015 from phone # XXXX. They refuse to provide me with original ledgers from my real XXXX showing what work was really done in my mouth and keep sending me a fake ledger from another XXXX office i have never been too.

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

Complaint: Equifax provided lax security and allowed all of my personal information to be put on the black market.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This afternoon I received in the U.S. Mail a letter from " Equifax '' credit bureau dated " XXXX XXXX, 2016. '' In this letter, under the " Previous Addresses '' section, it continues to falsely state that I lived at : " XXXX XXXX XXXX ; XXXX, California ; XXXX ; Reported XX/XX/2016. '' I have NEVER lived in " XXXX, CA. '' I do n't even know where " XXXX, CA '' is located at. I am the Victim of Identity Theft. I called up " Equifax '' and they still refused to " Delete '' this false Identity Theft " XXXX, CA '' address off my " Equifax '' credit file. I have only lived in " XXXX, California '' for the last 32 consecutive years.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
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: I 've been trying to submit complaints to Experian for months to no avail. They are failing to investigate the inaccuracies i am finding on my credit reports. Can they do that? I 'm sure there 's no possible way for them to suggest that my letters are not coming from me. I 've also contacted the creditor XXXX and they failed to respond as well. Is that legal? Can they do that? Just ignore my disputes like that? 

XXXX # XXXX This account is listed under MEDICAL. I 'm sure i 've never given ANYONE permission to share my personal medical information. I take that very serious. I 've contacted XXXX and requested a medical release form THEY IGNORED ME. There 's no way possible this account can be verified if they could n't verify it to ME. Please remove. 

# XXXX XXXX XXXX # XXXX I have NEVER done business with nor have i been contacted by this company. This company has NEVER reached out to me about this debt Clearly they have made a mistake. Please remove this 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 05-01-2017 about Mortgage (VA mortgage) with Ditech Financial LLC (SC).
Issue: Trouble during payment process

Complaint: Our Mortgage  Stateme  nt for   XXXX   XXXX   XXXX   h ad went up by {$620.00}. Calle d    XXXX   XXXX   to find out it was due to our escrow account the taxes portion. For  XXXX  our home was listed as an income property which made the taxes to up significantly by  XXXX . On    XXXX   XXXX   XXXX   I went to  the tax accesor office to correct this issue. I received a copy of the corrected tax amount with my tax number. I was advised to send the copy to ditec h Mortage to have this issue corrected as well to lower my mortgage to the correct amount. The amoun t copy was sent to ditech mortgage on    XXXX   XXXX   XXXX  . After speaking with the escrow department I was advised to give them 21 day 's to correct th is issue as well for the month of  XXXX  I will still have to pay the {$1800.00}. Which I paid on time. Now for the month of  XXXX  this issue almost 60 day 's later has still not been resolved. On    XXXX   XXXX   XXXX   I  contacte d Ditech Mortgage a gain regarding this issue. Also sent the exact same paper again dated  XXXX   XXXX ,  XXXX .  Currently Ditech M ortgage wants another 21 day 's to correct this same issue. Financially I am in able to afford to pay another an extra {$620.00} For a third month. I have attempted to speak with management in the escrow department 3 times. Which no one is ever available to speak with. I have requested and waited for a return call back fr om Management and I have not received one. I have also contacted the county as was advised that a check has been sent to Ditech  regarding the over payment dated    XXXX   XXXX   XXXX  . I   gave  ditech Mortgage the check number, bulk amount and as well as the amount that was issued for my account.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Risecredit, LLC (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX/XXXX/XXXX, I requested a free quote from Rise for a personal loan. I provided my information. I was notified by XXXX that Rise had requested my credit report without my knowledge. I called into Rise Customer Service and informed them to disregard my pending application and to remove the inquiry on my credit report since I did not approve this request. I was informed a soft check would be done before I accepted any offer, then a hard check would be done. I received a letter from Rise calling me XXXX XXXX and that I accepted a hard check and submitted an application. I am not XXXX XXXX. Rise has incorrectly pulled my credit file with another name from the information they received. Remove this inquiry from my credit report since I did not authorize this hard check. Rise has failed to correct this error. This is a violation under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Checking or savings account (Checking account) with KEYCORP (OH).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: A {$110.00} on line bill payment was made to  XXXX  automobile policy  XXXX   XXXX   XXXX   XXXX  on  XXXX / XXXX / 2017  via m y KeyBank DDA   XXXX . The payment never found its way to the account at  XXXX .     After  KeyBank  provided a proof of payment that was faxed to  XXXX  in early  XXXX   2017 ,  XXXX  confirmed that the funds were located and that they would refund the {$110.00} back to me. I have yet to receive the funds and neither  XXXX  or  Key have b een of any assistance with location of those funds.  XXXX  advises that the funds were sent back to the bill pay er 3 - 5 da ys after a discussion on  XXXX .     Please help with locating funds and routing to  my KeyBank  DDA  XXXX .     Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (NJ).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: TD Bank charged me a XXXX XXXX dollar overdraft fee over pending transactions. Transactions that were not completed yet. They said I was not eligible for a refund. I am not working and need every penny

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/20/2016 about Credit reporting () with Experian Information Solutions Inc. (UT).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Multiple attempts to get my Experian report online ( XXXX ) have failed in spite of entering accurate responses to their questions. This only happens with Experian. It should not be so difficult to get my report, they are making it intentionally difficult and do not provide adequate or timely methods to resolve report request related issues. It feels as though they intentionally provide contact info, phone numbers and online information geared toward subterfuge. Very frustrating. Thank you for your help and consideration.

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 09/18/2017 about Checking or savings account (CD (Certificate of Deposit)) with GOLDMAN SACHS BANK USA (NY).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: " GS Bank | Online CD and Savings Accounts www.gsbank.comXXXX Get a high yield CD from GS Bank today! ... the check payable to your name ( make sure the name is the same as on the account ) or Goldman Sachs Bank USA. '' My name is XXXX XXXX - please protect this name when publishing this complaint. 

Tried to open a CD online in XXXX-2017 and was rejected for providing incorrect info. I know that the information I provided was correct. So I called GSBank at ( XXXX ) XXXX and was rejected again. 

Considering the XXXX data breach I contacted GSBank at the # above asking them for the reason for the rejection or for the source of their incorrect info. The Cust Srvc Rep - XXXX - at GSBank told me that he could not disclose the reason why I was being rejected or the source of their incorrect info. 

I need to find the source of this bad info so that I may protect myself as it is possible that somebody could be fraudulently be impacting my personal info. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Debt collection (Medical) with Grant & Weber (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Hello, I received a collection letter sometimes on or about XXXX XXXX 2015, from a company named GRANT & WEBER, stating a debt from a hospital, dating back to XXXX of 2015. I called this company and spoke with XXXX XXXX disputing this debt and followed that up in writing by mailing a copy of my dispute letter on XXXX/XXXX/2015 and also by fax on XXXX/XXXX/2015. Based on my notes, my balance was Zero after I had called the hospital in the month of XXXX of 2015. I requested copies and verification of the debt from GRANT & WEBER verbally and in writing. ( Copy is attached ) After my communication with GRANT & WEBER I never received any more correspondence even though I had the understanding from the representative that I will receive the documents I requested. I never received any response afterwards and that gave me the impression this company could not validate the alleged debt ; therefore, they did not bother to respond or follow up any further. Until last night that I received a notification from my credit monitoring agency that my credit profile was flagged by GRAND & WEBER and this is nearly one year after my last communications with this company. This company had acknowledged my demand for proof of debt and their authority, however, they never responded and failed to provide appropriate documents so that I would have my lawful and legitimate opportunity to review and examine this alleged debt and resolve the issue appropriately. 

I feel this company has acted maliciously and without warrant in this matter for flagging my credit file. This derogatory action on my credit is unjustified and premature. GRANT & WEBER did not act lawfully in this matter but, solely to satisfy the so called creditor in this case, by flagging my credit profile. This unjust action has caused a XXXX point drop in my credit score today which will immediately impact my credit worthiness thus creating a major setback at the time my family is financially struggling to survive. This company acted intentionally malicious to force me to settle a claim that I had disputed. Another company had filed a claim regarding same and they could n't prove the debt and was thrown out. I DO NOT OWE thus there should not be a flag on my credit profile by GANT & WEBER until the debt it 's proven and resolution has been reached. Copy of the first letter by G & W, showing my notes on the letter and, my subsequent response is attached herein.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax refuses to place security freeze on my account. Their phone system is n't working. Their online system throws errors, and tells me to send them mail. I 've sent them mail, and got a generic response, that I need to send them my personal information, that I just sent to them. 0 information about what was missing. 

No ability to speak with any human. They 're only credit agency that refuses to put a security freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Credit card () with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Unsolicited issuance of credit card

Complaint: I lived in XXXX in XXXX and XXXX. I had an HSBC bank account. In XXXX I moved back to XXXX XXXX and closed my accounts with HSBC. In XXXX of XXXX I received a new credit card from HSBC XXXX, which I did not request. I called the XXXX office and they said they could not help me because telephone security is not set up. I then called the US phone number and they wo n't help me because it 's a XXXX based account.

Company response to consumer: Closed with explanation