milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/14/2017 about Debt collection (Auto debt) with Reliant Financial Corporation (NV).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: OnXX/XX/XXXX. I had my vehical voluntaried Repossed cause of an unpaid balance of {$4300.00}. 
I lost my job so I could n't afford it anymore. On XX/XX/XXXXI requested a letter of Resale for XXXX XXXX XXXX. A.K.A Reliant Financial. I received it via email. 
When I check the amount of how much they sold the car for, they sold the car for {$600.00} which to me I think it 's ridiculous that they sold it for that amount. ( that is another complaint that I will be reporting on this one ).. 
In the letter it says the new balance is {$3300.00} After the resale. 
According to my XXXX and XXXX XXXX Credit Report. It claim my balance is {$5200.00}. To me it sounds like there falsifying fact on my Credit Report. On a closed account which is date on XX/XX/XXXX and it 's XXXX From what I been reading in the FBCPA laws ai n't that in violation of my right as a Consumer.  How can they still be charging me when the account is closed. When it 's closed its closed.. 
My Second Complaint is for the amount they sold the Vehical for {$600.00}, To me that is not a very reasonable amount for which the car was sold being in the condition on which it was repo 'd. It seem like they just wanted to hurry up and get rid of it with no though in mind on how much to sale it for. I honestly think it in violation of my rights according to the FBCPA laws and F.T.C laws as well as Consumer Laws under the state of Nevada. This is paragraph is out of the F.T.C Laws of Vehical Repossession. " Any resale of a repossessed vehicle must be conducted in a commercially reasonable manner. Your creditor doesnt have to get the highest possible price for the vehicle or even a good price. But a resale price that is below fair market value may indicate that the sale was not commercially reasonable. Commercially reasonable may depend on the standard sales practices in your area. A creditors failure to resell your car in a " Commercially Reasonable Manner ''. may give you a claim against that creditor for damages or a defense against a deficiency judgment. " ..I 'm sure there in violation of other things as far as false reports to the Credit Bureau as far as the account being closed but yet still charging me a fee. Also for reporting inaccurate Balances on my Credit Report. And charging me late fees on a closed account. Which to me it consider falsifying information. Which is in Violation of my Consumer right. I will consult with an attorney to see if I have any grounds to file a claim against them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I agreed to a settlement amount with the company to close the account. I made the payment at a local branch the next day and was not able to get a letter to confirm my settlement was paid off and I had a zero balance. I contacted the customer service the following business day and requested my letter to be faxed. I was told i had to wait 10 days for the payment to post then i would get my letter. After calling several times to follow up i requested my letter be faxed on XXXX/XXXX/XXXX and specifically state i have no pending payments, a zero balance and the account was settled. after not receiving a fax 2 days later i called again and was told it could take up to 7 days to receive the fax. Once received on XXXX/XXXX/XXXX the letter does not state i have settled this account or have a zero balance which is what was requested several times during this waiting process.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2015 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Rewards

Complaint: I have XXXX Amex cards. Both cards ' page after log in showed " spend certain amount on a mainstream retailer and get specific amount of cash back '' under the card benefits section. When I spent those amounts, the credit card refused to honor the cash back. They said I had to enroll in the offer. There was no option to enroll the offer ( into the cards ) earlier. 

Now after I have made the transaction, the offer to enroll the cards has appeared but only for smaller lesser known merchants and retailers. That mainstream retailer offer above is no more. Nor would they honor the offer when I called in. I think it 's a bait and switch kind of scheme to defraud customers. I expect millions to have been defrauded by Amex!

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Mortgage (Other type of mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Closing on a mortgage

Complaint: Need a discharge confirmation and I went to Couty Cleark to get it done, but the old bank XXXX XXXX does not exist any more. I am working on getting an equity loan. The mortgage made a mistake with the number XXXX and it should be 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 non-monetary relief
Consumer complaint received 01/17/2016 about Consumer Loan (Installment loan) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Problems when you are unable to pay

Complaint: I received a plastic credit card from XXXX not long my bankruptcy had been granted. I called them wanting to know how long was the card good for and how much it was for. The person I talked to took it upon himself to do all of those inquiries.I did not give him permission nor asked about buying a car, ( I just got my drivers license back in XXXX of last year ) .i lost my license almost 20 years ago, why would I attempted to buy an auto if I could n't drive it? After joining XXXX I received several notices about the inquiries and after investigating I found out that the salesman at XXXX had been making all of these inquiries. I immediately called him and asked him what the XXXX was he doing, I did n't want a car I called asking questions and he knew that. As you can tell by the dates of the inquiries they were made on the same day.If you need proof of my license situation I can send you proof. I feel that these inquiries should be removed from my reports because I did not request them nor was I trying to buy anything.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Mortgage (Other mortgage) with FIRST NATIONAL BANK OF PENNSYLVANIA (MD).
Issue: Loan servicing, payments, escrow account

Complaint: I have made timely monthly payments to First National Bank ( FNB ) on my land mortgage for more than three years. It is an interest only loan whose term expired at the end of XX/XX/XXXX. I have been unable to refinance this loan because FNB recorded a late payment on my credit report in XX/XX/XXXX and XX/XX/XXXX despite receiving payments. Two FNB loan officers at different locations have attempted to refinance the loan but failed because of the FNB entry on my credit report. Three other lending institutions denied my loan applications for the same reason. FNB failed to respond to all attempts I have made to resolve the issue but continue to accept my monthly payments and also added a " late payment '' penalty of {$7500.00} to my balance. Now, FNB has referred my account to a debt collector who is threatening to foreclose on my property.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/17/2015 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (PA).
Issue: Application, originator, mortgage broker

Complaint: I went to my local PNC bank branch where I do the majority of my banking to apply for a mortgage loan. Initially I gave them permission to run a credit report and begin the loan application process. Their originator called me to let me know that my credit score was a XXXX and my rate would be 4.125 % on a 30 year fixed, I then decided to shop the rate. I received a better rate from another lender and let PNC know this so they decided to match that rate of 4 % and not charge me any points to get there. When I finally received my credit score report from PNC 12 days later I realized that in fact my score was a XXXX ; which is obviously a significant difference. By the time I realized this mistake we were under 30 days from our close so there was n't sufficent time to shop for a new rate without losing the house we were buying. My purchase was contingent on the sale of my home ; we had a buyer and agreed on a sales price. My buyer was also using PNC and the same loan originator from the same branch. Next issue was my home appraised at $ 47K less than the agreed upon purchase price, so naturally PNC would n't underwrite the loan and now my buyer had some suspicions about the price. Luckily the buyers brother was also an appraiser and he believed our price was fair. The buyer found a new lender and they did a new appraisal which came back over our sales price. This issue resulted in us having to postpone the closing on both properties for 7 days. So now 10 days before our new close date I was informed by my lender ( PNC ) that they would no longer honor my 4 % rate without adding a fee of {$1500.00}, essentially making me buy a point to get to the previously agreed upon rate of 4 %. I was given no options or explanation, just a call from my originator to disclose the new fees. When I asked for clarification he provided no clear answers and immediately told me to contact his manager. I hung up and called the manager over the next ten days sometimes multiple times a day and I hardly heard back from her. I completely understand that phone tag is normal and people are busy but I felt as though my calls were being screened and purposely not returned in a timely fashion. In addition to this my GFE as it was explained to me was off by $ 9K as compared to my final HUD. Again the loan originator had trouble communicating the differences between the XXXX and where we missed the mark. He had me call the closing company to get an explanation of the HUD and that 's when we realized that his numbers were really out of whack. I truly feel like I was steered into an unfair loan and forced to pay a fee that was n't properly explained to me. Not to mention that initially they did n't disclose my correct credit score which did n't allow me to accurately shop for other loans. I feel like my rights were violated multiple times during this process and I really hope this story can encourage others to steer clear of situations like this.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Debt collection (Credit card) with Atlantic Recovery Solutions LLC (MI).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: Called my place of employment and threaten me saying they would call my human resources at my corporate office.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I have an account on my credit report that has been on my credit report goin on 10 years. I called Equifax to have this item removed because of the amount of time on my report exceeds the 9 year requirement. I have had it removed from XXXX without any issues, and Equifax refuses to help me in anyway. I just do n't understand how a company that has so much control over our finances can be so inconsiderate to XXXX an important issue.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Mortgage (FHA mortgage) with Shellpoint Partners, LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Shellpoint Mortgage Services is reporting inaccurate information on my credit report. This account was included in my bankruptcy by they are commenting that foreclosure proceedings have started. That is not correct. How can an account I had included in bankruptcy also be in foreclosure? I even disputed this account directly with them and they failed to mark this account as being disputed which is a violation of the Fair Credit Reporting Act and a no-no when it comes to the FTC.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (SC).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Today XXXX/XXXX/XXXX, I went online to make a store credit card payment to Walmart. On my paper bill it said go to Walmart.com/credit. I went to the website and it was very difficult to find the link to make a payment. There was a huge advertisement to get a credit card. The link to make a payment was found located very discretely at the bottom of the page. It was difficult to get to the bottom of the page due to the fact the advertisement to apply for a credit card was so huge, as soon as you click the area in error it brings you to a page to apply for a credit card. After registering, I was able to make a payment. I chose the option to pay with a debit card. After giving my debit card information and clicking submit, it did not confirm my payment was made. It did not give a reference number or any expectations. I go back to research and it does not reflect my payment was made. It will allow you to make another payment despite the fact that you just made a payment. I checked my bank account and the amount was taken from my account. I contacted online customer service and explained what happened. The respond that it will take XXXX hours to reflect a payment was made. My concern is that this website was very misleading and should reflect and confirm when your payment has been made. There was no disclosure of what to expect after making my payment. I want to mention I did contact my bank and customer service first before trying to submit another payment, my concern is for those who would have not thought to do that. The website comes off as secretly taking advantage of consumers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I am still having problems with Ditech in receiving a resolution on my loan Modification/Assumption. I need you to assist me in this matter as they are not responding to me. I truly believe they are not acting in a fair and just way. Please contact me and I can submit my entire file via fax. XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Debt collection (Medical debt) with Capio Partners, LLC (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Capio partners recently reported two accounts to my credit report from XXXX. Both accounts is in the amount of XXXX and they both have the same date of X7. First of all, I was under the impression that the debt was written off since I applied for financial assistance and was approved. Secondly, this debt collection agency never contacted me via phone or US mail in attempt verify this account or collect the alleged amount owed. By law this agency was supposed to contact me regarding the account, given a right to dispute and validate the accounts before reporting anything to the credit bureau per the Fair debt collection practices act, neither of which they have done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have been paying off XXXX credit card ending XXXX last week since I am in the process of refinancing my mortgage. But credit Bureaus are not reflecting this paid off. I want credit bureaus to update my credit profile ASAP since it impacts my interest rate. I have attached the proof.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I am writing to express my extreme distress regarding the recent revelation of a data breach at Equifax. It appears that my information was contained in the breach when I reviewed their website. Here are several of my concerns. 

The breach was from XXXX to XXXX of XXXX. Nearly 3 months the problem existed. 
They discovered the breach in XXXX. 
They did not disclose the breach until XXXX XXXX, XXXX. 
They did not contact me directly about my information being compromised. 
When I checked the database as a " potential victim '' I was informed that I was indeed included in the data breach. 
When I tried to enroll in the credit monitoring service ( provided by none other than Equifax - conflict of interest in every way ) I was instructed to return to the website 4 days later to sign up. Additionally, I was also informed that I would n't be reminded to return to sign up. This is an undue burden on a consumer that has been victimized by this company. 
Credit monitoring should be provided free of charge by a monitoring service of our choice instead of prolonging " victim-hood '' with Equifax. 

Information discovered after this initial debacle was even more troubling. 

Contained in the terms and conditions for checking to see if I had been a victim I discovered that I was bared from joining a class action lawsuit against Equifax. 
Days after the breach was discovered there were Equifax employees that sold their Equifax stock. 

In my opinion this is egregious dereliction of even simple security of personal financial information. I do n't have a choice to exclude creditors from sending my information to Equifax and therefore I was an unwilling victim of this crime. This requirement has been in effect since Gramm Leach-Bliley 1999 - XXXX. I believe that Equifax is significantly engaged in providing a financial service as a credit bureau. And as GLB is a 17 year old statute they have had plenty of time to ensure proper security practices were in place. Furthermore, the FFIEC 's Cyber Assessment Tool that was released in XXXX has provide ample guidance on securing personal financial information on the internet. 

With the revelation of this horrific occurrence the CFPB should consider the dismantling of this business. They should be subject to the most punitive of all sanctions that are within the CFPB 's authority. This has struck an irreparable rift of distrust in the financial services industry. If we can not trust the companies that are in charge of our data ( without our control ) then we have wider distrust of the entire system.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Billing disputes

Complaint: I have XXXX credit card accounts with Capitol One Bank for my company XXXX XXXX. I have paid XXXX of my account balances in full for the account ending in XXXX and the account ending in XXXX. Capitol One has official documentation related to my business and yet they have restricted access to both accounts without proper notice.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Regarding home equity loan #  XXXX , I am forced to file a second complaint as only part of the issue has been resolved. Specifically, I was charged excess interest, inappropriately, and despite my repeated attempts to get acknowledgment and reimbursement of the sam e, Citibank has  been silent in any and all written communications on the subject matter. Per the attached docume nt ( mo nthly statement for the period between  XXXX   XXXX ,  XXXX  and  XXXX   XXXX ,  XXXX  ... the last statement ), I was charged {$44.00} for interest at 2.49 % for the 17 day period between  XXXX  and  XXXX . The loan was fully repaid, however, on  XXXX  ( per  XXXX  's automated system of which I just received confirmation again today, after speaking with another Supervisor -  XXXX  - who told me she had to start the dispute process all over again  )  ; hence I am due about {$25.00} back. I had disputed this along wi th Citibank 's charge of a county re cording fee for {$350 .00} (  of which I was never advised, notwithstanding their statements to the contrary wherein they claim they advised the third-party financial broker who was helping to complete the wire transfer in satisfaction of the full pay-off amount that Citibank had mandated, without any details as to what that was composed of ), which they have now refunded, but the excess interest charge was wholly ignored ( ag ain ) in their resp onse, as was the requested explanation of their course of action ( now and on a go-forward basis to prevent a recurrence of these types of errors, which unfortunately have been the norm rather than the exception in my dealings w ith Citibank on t his loan, going back to the loan 's inception and in between then and now  ). T he statement ( their statement ) and the math are both crystal clear - this wrong seems wholly indisputable and I am at a loss as to what else I have to do to get back the monies that I was charged in error ( and seemingly illegally ). I should be due interest for the four months that have now passed in trying to get this resolution ( and so it would seem that the {$25.00} suggested reimbursement amount would more appropriately be something like {$380.00} based on the referenced interest rate, with accruals continuing until the indisputable claim is fully satisfie d! ). As  such, I would be grateful if you would file a second complaint in the hopes of  getting Citibank t o formally acknowledge their error and provide me with adequate restitution of monies owed to me. Additionally, if there is another regulatory body that should be made aware of this ( seemingly egregious conduct and shirking of responsibility ), I would appreciate you passing it on to the m (  or, alternatively, providing me with the requisite contact information so that I  may do  so ). Thank you in advance for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Latest update on XXXX XXXX. Filed for judgment and won. I do not owe XXXX any money and in fact they owe me money. They owe me {$460.00} as per case no. XXXX. attached.

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