milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-02-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Settlement process and costs

Complaint: Bank of America Mortgage Loan Officer lied to pressure me to close the loan earlier than required. Further, the day before closing they increased the loan amount for no reason, which would have resulted in cash back I had not requested as well as a higher monthly payment over the life of the loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2015 about Debt collection (I do not know) with Delbert Services (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I received several calls from XXXX. He will not tell me what company they are with, only that I allegedly owe money to a western sky finance. I paid all my loan and then some to western sky and I do n't know who these people are that are trying to collect money from me. They called me at work and even after I told him I was at work and they were not allowed to call me the agent said they would continue to call me. I called him back and he kept hanging up on me until finally he transferred me to a supervisor. This is harassment plain and simple and I want to file charges on these people.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (OR).
Issue: Loan servicing, payments, escrow account

Complaint: I routinely pay an extra {$62.00} on my mortgage that should go to principal. In XXXX, this amount was applied to erroneous fees that were subsequently reversed. Despite multiple attempts to get this amount correctly applied to principal instead of fees, this has not happened yet. The last correspondence that I received said that the matter was being referred along but I 've yet to be contacted about it and my account still does not reflect my {$62.00} reduction in principle from my XXXX payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX is trying to collect on a debt to XXXX that number one is not my account and the account that i did have with XXXX is over 9 years old and they have an account number that doesnt belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/21/2016 about Debt collection (I do not know) with STERLING JEWELERS, INC. (NC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Kay Jewlers are reporting information in my name to the credit reporting agency XXXX without ever sending me any type of communication that a debt was to be paid or owed to them i was a victim of fraud never even knew this account existed intill seeing it reported to my credit report when i reached out to the collection company they told me the company was out of business and that they didnt have any information for me or about any money that was owed. I asked them to remove the information on several occaisions or provide me some type of proof that the information indeed belong to me. there is no dates opened or how the account was created reporting to my file.violating my rights that protect me as a consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Other

Complaint: Capitol One keeps reinserting a delinquent account that I was an authorized borrower on. They are reporting it as a joint account and it was never a joint account. I have a current capitol One account that has never been late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-03-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: I was billed for a computer virus software that I did n't order by XXXX XXXX/Citi Bank/Best Buy on XXXX XXXX, 2015. I called and cancelled on XXXX XXXX. When I called again on XXXX XXXX to see if they had processed the refund, they had n't. Now they say it will be 2 months before it goes through. Meanwhile Citibank/Best Buy is charging {$25.00} a month late fee. This a huge scam to drag their feet as long as they can and collect as much late fees as they can. This will ultimately reflect negatively on my credit report, which is why most people probably just pay the fees. Beware!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/30/2016 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing a complaint about Equifax because they failed to provide me with the documents that they have on file, with which they used to varify accounts that I disputed. 
After 30 days Equifax responded frivolously. -Section 611 ( 5 ) ( A ) of the FCRA states that credit reporting companies must " promptly delete all information which can not be varified. '' Please help with resolution to this problem. Thanks.

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. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX these are unauthorized and its affecting me getting credit i never applied for anything

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have made an attempt to make police reports but was denied which led me to wonder why I was being blacklisted at many places. Infact, so much of my information is compromised I could not even obtain my own credit report. My mail was moved without my permission. I had to put the matter with law enforcement through MI DEPARTMENT OF CIVIL RIGHTS. THE NEXT TIME SOMETHING WAS FRAUDULENTLY DONE IN MY NAME WHICH CAUSED ME TO BECOME OVER ANXIOUS THEY SUGGESTED CHANGING MY SOCIAL SECURITY NUMBER, I CAN NOW NOT BE SO SURE AS THIS IS ONE OF MANY PROBLEMS I HAVE HAD WITH THEM BEING DISCRIMINATORY. I was not actually able to go to the social security office in my home town, as I even felt they we 're some what discriminatory ( XXXX, Mi ). They would n't even let me sign up for SS on line on their computers. I had to go downtown to XXXX to do any business even after obtaining pieces of my stolen identity such as XXXX, SS CARD, INSURANCE CARD, ID. I COULD N'T USE THE SECURITY OF STATE TO DO MY BUSINESS IN XXXX, OR RED FLAG MY IDS AND ABOUT XXXX WE 'RE STOLEN. There we 're weird addresses in states I 've never even visited in on my credit report. On XXXX it looked like my age had been compromised.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2017 about Vehicle loan or lease (Lease) with TOYOTA MOTOR CREDIT CORPORATION (PA).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: I had a lease on a XXXX Toyota Camry with Toyota financial. The lease was for 3 years and XXXX miles. I handed the car in with incidental wear and tear damage and they want me to pay for the incidentals. My issue is that I handed the car in with XXXX miles vs. the XXXX that was allowed. If I went over mileage it would be XXXX $ a mile, however I was XXXX miles under the lease agreement. The residual value works out to XXXX $ due to the under mileage and yet they want me to pay XXXX out of pocket for wear and tear damages.If I had went over mileage they would charge me per mile ; my complaint is why do I not get the same credit for being undermileage.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Credit card () with CITIBANK, N.A. (IL).
Issue: Arbitration

Complaint: i contacted the company related to moving some of my personal items from XXXX, XXXX to XXXX XXXX. Initially there were 10 medium boxes, i cabinet, 10 dining chairs, 1 dining table and 2 coffee tables. The quote given to me was for {$1700.00} and i was to pay {$600.00} which i did. A few more items were added and the estimate went up {$2100.00} and the down payment increased to {$850.00}. I paid the differential in the downpayment of {$250.00} for a total payment of {$850.00}. On the pick up date the driver refused to honor the contract and stated that it would cost nearly {$5500.00} to move the goods as in his view the goods to be moved had increased. I refused that as there was no increase in the goods to be moved. Since i refused to pay any additional amount from the originally contracted amount the driver left and the moving company refused to give back my initial deposit. They later offered to give me back 50 % of the deposit which i refused as I want the full amount. This is a classic bait and switch operation. 
I contacted my credit card company to stop payment and they initially reversed the payment and later refused to entertain my request as they said that the terms of the agreement were that deposits are forfeited once paid. The contract was voided once the driver refused to honor the contract till i paid more which i was not ready to entertain. The credit card company should have known better and even after i provided them with all the information they refused. Not only have they reversed the charges ... but are charging me late fee and interests on this amount

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 12-08-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (MD).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I scheduled a payment in advance with XXXX Credit card ( Synchrony Bank ) for it to process on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, my bank notified me of this payment and rejected it due to non-sufficient funds. XXXX deposited the payment early. I have been making payments to XXXX for a few years and the payments never hit my bank account on the same day within a few hours of submitting a payment to process. There is also a disclaimer on their website that indicates when a payment is made, it takes XXXX for processing. My bank statements also shows that scenario as well. The purpose of this complaint is make everyone aware that XXXX will submit and process a payment in advance and not on the date that you ask them to process the payment and to never set up a post dated check because they process it in advance.

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 11/21/2017 about Debt collection (I do not know) with CURO Intermediate Holdings (OH).
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint: I was sent through a text message on my phone from speedy cash, which I have no dealings with, but the kept trying to contact me. So heres the last harassment : Legal Matter. 

Read all case related information carefully we will not able to provide you any information over the phone if you willing to settle this matter out of court call us on listed number. 

Three Criminal allegations against your name under Financial Fraud are : - Violation of federal banking rules and regulations. 
Theft by deception Breach the contract with Loan Company The affidavit states that you went online or to the store utilizing your personal information which was track down by anti-fraud department, in order to solicit funds from My client which is XXXX XXXX XXXX.Basically all the loan companies in your state they are working under my client XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX ) so its doesnt matter from which website or from which store you taken out this loan main lender have a rights that they can file complaints and recover outstanding balance in the courthouse. 

As of today rather than chasing you for money XXXX XXXX XXXX has simply decided to write this money as loss & declared to be stolen by you & want to press legal charges on you & on your Social security number. We will be in contact with your current employer & the state credit bureau to garnish your paychecks until the total amount gets paid back to your creditor in full with the interest amount & the late payment charges. 

Your Credit score will hit by negative XXXX points & your drivers license will get blocked. 

You do have right to hire an attorney, if you dont have one or you can not afford to have one that shall be appointed to you by the Federal Court, but make sure you have someone to who can bail you out once you lose this case in the county court. 

Now this case going to be downloaded in your State County Court and your Local County Sheriff department after that you will be forced to resolve this case legally by facing all the legal problems and spending money on your attorney as fees, case execution charges, legal penalties, bail charges, paper development charges on the top of the due amount that you owe from your creditor that is {$950.00} NOTE : This case is under investigation by the credit bureau so we cant accept your payment from your bank account or your debit card we can only accept EFTS ( Electronic fund transfer system ) payment at this moment so kindly contact on the listed number below to get the information for the XXXX XXXX and XXXX XXXX. 


XXXX XXXX XXXX XXXX To Remind you, I have never taken any loans out through this company. I have through a different company which is paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (PA).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: Okay, here is the deal, the bank is XXXX XXXX. I complained to them about the treatment of me. If I am just a little late, they charge a late fee, but not just for the month I am late, for months after that. Then, because I complained, they lowered my credit they are extending me. I complained about the way they were singling me out. I have never NOT paid them, and then to get back at me ( because that is the only explanation for it, I can see ), they lowered my credit even more without telling me, just because they could. If I had the money to pay the whole thing off, I would, but I am one of the working poor. I do pay my bills. I do not deserve to be treated this way. I want them to back off, and I want my credit back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Debt collection (I do not know) with Capital Accounts, LLC (AL).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Reps from Capital Accounts , LLC repeatedly call my telephone number regarding some unknown debt. They call telephone # ( XXXX ) XXXX several times per day. I have no idea the Debtor they represent because all of my debts were included in a Bankruptcy in 2016.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have contacted experian requesting removal of XXXX off my credit due to it has been bought by another lender and the amount isnt correct, also when contacting XXXX i asked for a pay for delete they said they cant since it was bought by another lender yet when i sign into my XXXX account its still showing i can may balance. It should be removed for false details. It still remains on my credit

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 05/22/2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I keep a close eye on my credit report. As this account is not on my   XXXX   report. It did appear on the mortgage companies report they pulled from  XXXX . This account is not mine and I was not notified of this account. Also, it puzzles me that I was informed of this account from a mortgage lender. FCRA laws have been violated here. The sneaky way of ahving this on a mortgage lender report and not the   XXXX    report from them. This should be investigated by CFPB and my attorney for violation.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2017 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Using a debit or ATM card

Complaint: On XX/XX/2017 I letting my bank know that I travel to XXXX and I will used my Debit/ATM and my Visa Platinum and they conform that ok however after using my debit card 3 time my bank stop my card for two week to the time I can used it I call them they ask me to fax my info the picture of my driving id and my card and my ticket I did that but they want me to sand one more time bcuz I my signature was on all the XXXX paper I fax I fax one more time they ask me I did XXXX XXXX time and never have my card on to work I have to ask people for money I ask to my brother the family of my wife I need the money for my wedding on XX/XX/XXXX in XXXX but I cant get no money that time I have to ask my wife family to take the bus so they give me money I have to ask for money to call and the bank people was hard to talk to same of them they not nice to help you after 15 days they have my card work I call in XXXX and I have to pay {$28.00} for my XXXX {$40.00} money to fax {$100.00} money to go to the city 4 time to fax my paper its was the time I am on my honeymoon but I have to go to look for office to fax them all the time I have money in my bank but I cant take any and I cant go where I want to go with my wife my time was so sad and bad its hard to have place to used Visa only Cash my wife give her necklace to same one to get same money to get to XXXX {$500.00} then we pay after two weeks {$520.00} but its not the money its in the same day we have the wedding she have to do that to get the Cash we need its the sad thing about it people who work there they not nice to talk to I do n't know its my name are they have bad day

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 03/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ERC (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: ENHANCED RECOVERY COMPANY Debtor is XXXX XXXX XXXX XXXX they claim it was opened on XX/XX/XXXX but it was sent to collections in XX/XX/XXXX for amount of {$930.00} XXXX  ( XXXX XXXX XXXX ) Debtor is Also XXXX XXXX XXXX XXXX in amount of {$530.00} opened onXX/XX/XXXX when this is tied to same acct as listed above it was sent to collections in XX/XX/XXXX same company has opened false accts and when its close to the 7yr removal date they send it to another company and they reopen it again and again

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2016 about Mortgage (Other mortgage) with Ditech Financial LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: In XX/XX/XXXX, I received a mortgage loan for my house XXXX, XXXX. My payment was promised to be an affordable payment. I was paying my mortgage on time but my mortgage payment had a substantial increase where I was no longer able to make payments on the mortgage. In XX/XX/XXXX, GreenTree Servicing, LLC. sued me for a mortgage that I received from XXXX, XXXX. While being sued on the motgage, then another lender name, " Ditech, LLC '' starts collecting on the same mortgage. I feel like my house is going to be part of a fraudulent foreclosure procedure.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Problems caused by my funds being low

Complaint: Received more than XXXX overdraft fee in XXXX day for different transactions

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10-10-2017 about Money transfer, virtual currency, or money service (International money transfer) with DOLEX DOLLAR EXPRESS, INC. (AZ).
Issue: Other transaction problem

Complaint: The person who initially made the transaction entered the information wrong in the system. Their paperwork does not have a way to verify as to where the names have been placed. They placed the receiving person 's middle name as their last name. So when they went to pick up the money it was not being release to them. When I went in to correct the problem the following day it was corrected very promptly. There are no complaints there other than the fact I had to take time off work that I should have had to take. 
The lady who fixed the problem said it would be fixed within 1-1.5 hours which it was. Although she said sometimes the PIN changes and said she would call me to let me know when the transaction was complete and the receiver was able to pick up the money. She said IF the PIN changed she would let me know of this change at that time. I NEVER received a call letting me know the transaction was complete much less giving me a new PIN. I found out because the receiver had to contact me yet again. The receipt given at the Dollar Express does not have the phone number of the actual location so that we can call directly only an XXXX number to customer service whom barley speak/understand English. Which took more time out of my workday. This is not the first time they have entered the person 's names wrong. When dealing with money that should be one of their top priorities.

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