milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/22/2015 about Prepaid card (Transit card) with Empowerment Ventures, LLC (PA).
Issue: Adding money

Complaint: I loaded XXXX dollars to my prepaid rush card this afternoon. My card doesnt show the load. The reps are not helpful. They insist system is down. I need that money. If they are having so many issue 's then why allow money to continue to be loaded. I need my money. Then im closing the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-04-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I went used the link on the consumer finance website for the annual free credit report. I filled out all the required information and choose the XXXX reports I wanted. Once I submitted this information I was taken to a XXXX page which makes me sign up for a credit monitoring services and gives me no option to opt out of this. I thought these credit bureaus were not supposed to do that?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Debt collection (Other debt) with Merchants Acceptance Corp (WA).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: My husband and I are currently paying our XXXX loan through Merchants Acceptance. We elected to move a monthly payment forward and we were not asked to repeat or confirm our card number. Due to the payment being scheduled for the weekend it would not run until the following Monday, which I confirmed on the day the payment was scheduled, and again nobody verified or asked me to confirm my card number. Our payment never went through and when we called the next day we were told the card number was invalid. Confused, based on the fact that we have the same card for all automatic payments on file and nobody confirmed the card number ( which had been done on every previous call to the switching of this specific payment. The representative, XXXX, read the wrong card number that was entered, and then read the correct card number after. The last 4 digits slightly different. I asked for a manager and was told that not only were there no managers, but also no compliance team or HR department. The representative then continued to cut me off and place me on hold in the middle of my sentences. There were points where he raised his voice, I exclaimed that I was not being aggressive towards him so he does not need to do so towards me. He then stated he was n't yelling, immediately placed me on hold to get to another representative. The man who jumped on the line was XXXX, who did not clarify he was not a manager, like I had asked for. He began in a matter of fact tone telling me that he will listen to the call and check on the NSF fee. If I had not asked him if he was a manager I do not think he would have told me and would have let me believe under false pretenses that that was who I was speaking with. I asked if they had anyone who handles CFPB/FDCPA complaints and the representative became very defensive. He would not let me finish a sentence and would raise his voice higher and higher as I tried to speak. They informed me that a 'manager ' is only present after XXXX XXXX and would not be able to assist me in any way.

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 10/19/2015 about Prepaid card (ID prepaid card) with Blackhawk Network Holdings Inc. (CA).
Issue: Managing, opening, or closing account

Complaint: My account was closed and I am still waiting for the company to send me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: The bankruptcy reporting has several inaccuracies. Reference Number XXXX. I do not know the source of their information on this bankruptcy and because of the Equifax has violated the Fair Credit reporting Act. I am requesting the removal of the bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Mortgage (Conventional fixed mortgage) with Fay Servicing, LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: The company refused to give me a modification, and i was approved and doing a modification under the XXXX old mortgage company. They refused to pay off my taxes under my home which was in the loan, when I would call all the reps would get smart and say well you owe the bill so you should n't be complaining. they refuse to give me a modification, and refused to hold off on a foreclosure when the application was submitted. it 's like they was n't trying to help me save my home all. i have left numerous messages for account rep and supervisors to call me none of this was happening.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (VA).
Issue: Application, originator, mortgage broker

Complaint: In XXXX, 2016, I submitted a complaint ( Complaint # XXXX ) to the Consumer Financial Protection Bureau ( CFPB ). The description of my complaint is shown in the CFPB documentation. 
The CFPB submitted my complaint to the mortgage underwriter ( Wells Fargo ) for review. As you might expect from an internal self-audit like this by Wells Fargo, their response was incomplete.I immediately disputed their response with the CFPB. 
Now I would like to proceed to the next level with my complaint, which would appear to be the US Department of Justice with whom these XXXX financial settlements were reached. Or perhaps the CFPB might recommend another approach to obtain an independent assessment of my complaint.

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 04-11-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My account is reporting 30 Days Late with a late payment in XX/XX/XXXX which is incorrect. This issue is specific to TransUnion reporting and has been previously disputed. My due date is the XX/XX/XXXX of each month. XX/XX/XXXX 's payment was made on the XX/XX/XXXX on time and XX/XX/XXXX and XX/XX/XXXX 's payment was made on the XX/XX/XXXX on time. The issue has not been permanently resolved. Per Transunion, XXXX is not sending updated payment history for each month. There has been no payment history updated since XX/XX/XXXX for Transunion. XXXX and XXXX have up to date current information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Debt collection (Mortgage debt) with BROKER SOLUTIONS, INC. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: We have been trying to short sale our rental property ( XXXX XXXX XXXX XXXX, CA XXXX ), but XXXX XXXX XXXX will not give us an answer for either approval or denial. We 've have a buyer in place since XX/XX/XXXX and they have already signed 1 extension.
<P/>
We 've submitted all the documents that XXXX XXXX has requested, but they refuse to give us an answer and see to be delaying this transaction for as long as possible. We are at risk of losing our buyer and have the house foreclosed due to their inactivity.
<P/> XXXX XXXX XXXX is the 2nd lender on the house ( HELOC ) and they 've been patient, but time is running out for them, as well.
<P/>
Also, my wife ( XXXX ) and I are going through divorce proceedings and we need this resolved so we can move forward with our lives.
<P/>
I 've attached the relevant documents. My realtor is XXXX XXXX and XXXX XXXX is assisting him. They can be reached at - XXXX - XXXX  XXXX 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 09/22/2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Hello, I disputed XXXX accounts with XXXX XXXX XXXX XXXX and there were deleted from my Equifax credit report. I have a account with XXXX XXXX and I just check my report today. Now my report is showing XXXX charge off account with XXXX XXXX XXXX XXXX. I 'm thinking is this a joke. Why investigate negative information that do n't belong to you and it gets deleted and within 2 months it appears back on your report.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Debt collection (Medical) with National Credit Systems,Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX/XXXX/15 I requested National Credit System provide validation for {$160.00} debt being reported to credit bureaus. As of XXXX/XXXX/15 I have not received any response in relation to my request.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Consumer Loan (Vehicle loan) with PRESTIGE FINANCIAL SERVICES INC (TX).
Issue: Problems when you are unable to pay

Complaint: I obtained an auto loan with Prestige Financial in XXXX XXXX. My last payment was XXXX XXXX. The vehicle was repossessed XXXX XXXX, and listed as a charge off in XXXX XXXX. Prestige Financial is reporting to XXXX monthly ( oftentimes twice per month ) that I have not paid them on time - as though the late payment just happened. I ignored the reporting initially, thinking surely XXXX is n't treating this as if it 's a new late pay every month ( when it shows as a charge-off back in XXXX ). I was mistaken - Prestige is manipulating dates and amounts owed. This practice of Prestige Financial has lowered my credit score by almost XXXX points. I 've disputed this reporting with XXXX several times throughout XXXX, the correct dates are restored, and no more then 30 days later Prestige picks right up where they left off - even doubling up as though to make up for the month missed while going through dispute. I know for a fact this effects my credit score because it 's the only time my score drops. To date I have disputed this issue four times and the negative reporting immediately reappears. 
My complaint is this - why is XXXX allowing this company to continuously do this? If I submitted a dispute every time Prestige Financial reported a late pay to XXXX I 'd be sending in disputes biweekly, this is unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (TX).
Issue: Settlement process and costs

Complaint: I bought my home through an FHA loan in XX/XX/XXXX and we heard all of the good things about refinancing and finally did it in XX/XX/XXXX. Our loan was held by XXXX and we refinanced through them, as well with another FHA loan. In XX/XX/XXXX our paperwork was finalized to refinance our home. However, we were not aware and not told that FHA regulations had changed and that Private Mortgage Insurance would now be part of the loan for the entirety of the loan. The payment quote that the XXXX representative originally told me over the phone was considerably lower than the final one I began to see in the paperwork. When I asked about this discrepency he said FHA rules had changed and the insurance cost had gone up. He did not explain that we would have PMI for the life of the loan. We are now locked into a loan with PMI and our monthly payment has now surpassed our original monthly payments as we deal with increasing property taxes, as well. I hold XXXX responsible for not thoroughly explaining this - as they would be benefiting from the extra Mortgage insurance they would receive from us. Looking back I can see the terms are in writing in the contract, but we did not receive full explanation and only had a notary present at the signing the closing documents. XXXX did not do their due dilligence to make sure we understood we would have PMI or MIP ( whichever you call it ) for the life of the loan. I am not sure we had even seen it in paperwork before the day of signing. It was also not disclosed to us than a small down payment would have removed MIP from this loan. In the paperwork the Present Market value in XX/XX/XXXX was recorded as {$100000.00} and the amount of our mortgage was recorded as {$93000.00}. This is an LTV of 90.4 %. This to me means we should not have MIP on this loan. 
I also hold HUD responsible as I see this as another burden they have placed on homeowners. There is no reason homeowners who have never missed a payment should be stuck with this extra fee for the life of a loan! This is just extra money into the pocket of the lender on top of the interest they already receive! We now own more than 20 % equity in our home and have never missed a payment, yet we are strapped with the added burden of this mortgage insurance. I can not believe we had the horrible luck of refinancing one month after the rules regarding PMI had changed.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Mortgage (FHA mortgage) with Alabama Housing Finance Authority (WA).
Issue: Loan modification,collection,foreclosure

Complaint: Servisolutions refused a payment a month late, stating that our contract forbids anything but complete up-to-date payments ( so after 30 days, we needed to pay two full months, not one month behind ). There is nothing in our contract that states this. As we began to see we could not catch up, we contacted a counseling service which advised that we send a certified XXXX request, which by law they are required to accommodate. The company refused to set up a meeting and called us to yell at us that it would be a waste of time because our contract forbids any modifications. They also said, without notifying us first, that they had already started the foreclosure process and requested our initiating mortgage broker to take back our loan. We are now 5 months behind, they will not accept any payment that is not all 5 months in full, and our credit is destroyed. NOTHING in the copy of the contract that we have says they had to do this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Payday loan, title loan, or personal loan (Personal line of credit) with ONEMAIN FINANCIAL HOLDINGS, LLC. (GA).
Issue: Getting a line of credit

Complaint: Previously I disputed false advertisement and false assumptions with the BBB on XXXX XXXX XXXX. They persist that I applied for a personal loan on XXXX XXXX, XXXX, which I did not. References to the first dispute is below in the inbox. XXXX XXXX Bank was notified by XXXX that I was affected by the security breach, XXXX ( XXXX XXXX, XXXX ). This when they said I applied for the credit, as you see in the information I supplied, I did not apply for credit initially. Now I believe that this could be the result of the security breach. The advertisement stated that checking to see if I qualify for a loan, it would not affect my credit, but I received a hard inquiry. The online advertisement is below in the drop box. The application they provided is totally incorrect as highlighted.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CAINE & WEINER COMPANY, INC. (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was contacted several times by Caine & Weiner attempting to collect {$210.00} payment for the XXXX 2016 XXXX XXXX XXXX. I was told by the people calling from that office that the payment was to be paid in full and that was all that was said to me. I have explained to them during every call about the situation and that e that I had made several attempts requesting the last month to be cancelled of my auto insurance through them and had went to a different insurance company due to XXXX Agents failing to return my phone calls to them several times inquiring about my policy and ignoring then my cancellation requests. That 's very poor customer service and job performance. I still have yet to receive any information from Caine & Weiner about who they are, where they 're located, any information on how to dispute this claim. Also I have not received anything from XXXX XXXX XXXX, not a bill, not a phone call. The only reason I found out I was put in collections was from a notification from XXXX XXXX. I would like help on this matter if possible. Thank you for you time.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Debt collection (Other debt) with ERC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Since, I believe, XXXX 2015, XXXX XXXX has been reporting a collection account on behalf of XXXX for {$1000.00}. When I switched carriers I was careful to make sure no balance was due. I never received a bill from XXXX, nor any collection notices from XXXX XXXX prior to seeing it on my credit reports, I am unaware of what this debt is for. I have attempted to dispute the collection as inaccurate through both the various bureaus AND E.R.C. directly. Each time they have verified the account as accurate. As of yet, I have not received any documents to validate or explain the debt, despite asking for them repeatedly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Mortgage (VA mortgage) with CITIBANK, N.A. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: CitiMortgage somehow became the " mortgage '' holder on my VA loan, possibly/probably illegally, because of illegal title transfer activities. They ignored and violated the original Trustee Rights granted with my initial mortgage/purchase with the VA on  XX/XX/XXXX . In late  XXXX , early  XXXX , I had some financial strains and got behind on my VA loan b y 5  payments. In  XXXX   XXXX , I submitted a certified funds payment to CitiMortgage, which was promptly refused and returned to me. Concurrently with the payment, I made numerous attempts to work through their loss mitigation process.  ( See CFPB  XXXX CitiMortgage Consent Order fo r an example of their " practices '' ). I calle d CitiMortgage los s mitigation fo r 30 s traight days in a row, from  XXXX   XXXX  until  XXXX   XXXX ,  XXXX  and submitted hundreds of pages of " requested/required '' documents. The failed attempts to use their " process '', which was very unfair and deceptive, led to them ultimately foreclosing on my VA loan on  X/X/XXXX , which I feel was their plan all along. This action was illegal by its process and I immediately retained a lawyer and sued CitiMortgage. To date, I have spent over {$75000.00} on legal fees. CitiMortgage had no standing and as it turns out, may have acted on their own and without the consent of the VA. The VA actually and currently owns the home, as can be seen on the  XXXX   XXXX  and the transfer of title, where the VA paid {$10.00} in compensation to CitiMortgage for my home ( copies submitted with this complaint ). In an email ( included with this complaint ), a lawyer representing CitiMortgage offered to transfer the title to me for {$180000.00}. When I pointed out in a reply email, that this offer was illegal and violated numerous Tex as Real Estate laws and could be considered extortion, the offer was withdrawn. We still live in the home. CitiMortgage is now trying to evict u s for a 3rd time, again illegally, because of no standing. I am fighting this eviction and the initial foreclosure and the bullying tactics brought against me by CitiMortgage, but I am sure that I am not alone in this fight. Based on their action with me, I can only assume they have and are still, victimizing numerous other Veterans in the state of Texas. I am working with the VA, the actual owner, to stop the eviction and revoke the foreclosure through the  XXXX   County Court s ystem and The Texas Attorney General 's office, complaint #  XXXX ,  XXXX  of  XXXX  current active complaints against CitiMortgage in Texas. The VA has been very helpful since the transgressions by CitiMortgage have been reported to them by me and I do believe the VA was unaware of the tactics and actions that CitiMortgage was using against me. The VA does not want to hurt Veterans.

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 12/18/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NC).
Issue: Making/receiving payments, sending money

Complaint: I called my bank to place a stop payment more than 2 weeks in advance. The payment went through and now my bank account is - {$360.00}, until I get paid again, which is XXXX XXXX, 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Someone tried to open a PayPal credit card with my info. I called the company and they closed it but it still shows as a hard inquiry in my credit report in  XXXX .  XXXX / XXXX / 17

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 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX   XXXX ,  XXXX  continues to report this debt as being active and new to my credit report which stops me from attaining new credit and causes me harm and distress.   I have contacted  XXXX  where they claimed they will remove the account from my credit report and will do so however after about 30 days will show up again.  <P/> Because of their derogatory reporting it has been very difficult to get my life in order. One representative informed me that sometimes it is just our job to make sure your life is n't easy because you do n't get to get the easy route when some of us have it hard.  XXXX  is reporting to  XXXX  This issue with  XXXX  has been going on for several years and the great hardship it has caused including extra lengthly investigations into my background checks for the renewal of my clearance has not been easy and very stressful.  <P/> As  one  of their employees informed me we do not exactly care, because it does not afect us in the slightest bit. According to the system the call  may  be recorded for quality and training purposes, however I do not know if it tuly were.

Company response to consumer: Closed with explanation