milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-04-2016 about Mortgage (FHA mortgage) with ALCOVA MORTGAGE LLC (GA).
Issue: Credit decision / Underwriting

Complaint: ALCOVA Mortgage, LLC XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, GA XXXX ( XXXX ) XXXX I have been working with Alcova mortgage in XXXX since the beginning of XXXX on the purchase of a home. I was prequalified in XXXX and assured on several occasions that I did qualify for that amount. I went under contract in mid XXXX, nothing was done on my file until the end of XXXX. The process ended up being drug out for 60 days and still no clear answer as to why the loan had not closed. During this 60 days of being under contract, I followed up daily, half the time you could n't get in touch with the loan officers and when I did, I was just fed lie after lie, excuse upon excuse. I did n't really know what was going on until almost XXXX60 days in, when they tell me they are having problems getting an approval from the underwriter. Now I have lost my earnest money and money I spent on an appraisal. Never the less the were very nonchalant about the whole matter. Not caring that I lost money, time, missed out on purchasing a home that I loved. A broker referred me to them. Much to my regret

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2016 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I went to the us bank at XXXX to make my mortgage payment on XXXX. The bank hours showed they opened at XXXX. I was there at XXXX and the branch was closed. This branch is lacated in a XXXX and the store employees said this is common. I called the us bank mortgage phone number to complain and spoke to a really good rep that did everything she said that she could do but to register a formal complaint she said she needed to transfer me to the bank side. After being transferred the new service rep was basically useless and said I should call the branch to complain. The same branch where people did n't show up. I asked if they had a district manager to complain to and she said they did but she did not have the number and I should call the branch and ask them for it. This is terrible service and now I will have a late fee because the branch was n't open when they said they would be

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 Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (NC).
Issue: Managing the loan or lease

Complaint: XXXX XXXX is reporting me 30 days late for XXXX XXXX. This information is inaccurate as I have never made a late payment since acquiring the loan in XXXX XXXX. My bank records show that payments were drafted twice in XXXX XXXX. Additionally, I made an online payment on XXXX XXXX, XXXX. Two payments were drafted on my account in XXXX XXXX. I called Wells Fargo Dealer services and they are only reflecting payment drafts on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. This information is inaccurate and my account should reflect current and one month ahead.

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 04-10-2017 about Mortgage (VA mortgage) with CITIBANK, N.A. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I am the spouse of an XXXX service member who has been XXXX. I have been aggressively working with Citimortgage in an attempt to get a loan modification which I was told had been exhausted. I then asked to proceed with a short sale and am in the process of submitting documents when a Trustee Sale Date is posted on my home. I have no less than XXXX investors wanting the property and they have n't given me the time to submit the documents ... .again. I received the packet Saturday and returned it today and i afraid they are going to sell this property while im working on the short sale solution

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 07-07-2017 about Debt collection (Auto debt) with URS Holding, LLC (FL).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: Alltran Financial , LP on behalf of XXXX XXXX XXXX XXXX has been, for the last four weeks contacting two of our tenants located in New York regarding this account. The phone numbers they called were XXXX and XXXX. Alltran repeatedly contacted these two tenants for the last four weeks regarding this account. The last contact was made today XX/XX/XXXX.
<P/>
I contacted Alltran today XX/XX/XXXX and spoke with XXXX who CONFIRMED that yes they were contacting these two numbers because they needed to speak with me.
<P/>
I asked them how they got this information and he stated he did n't know how his company obtained the information.
<P/>
These two people ARE NOT related to me and should not have been contacted in the first place as XXXX XXXX XXXX was notified of our Chapter XXXX filing when we returned the leased vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had a XXXX in XXXX 2015 while living in XXXX XXXX, XXXX in preparation for a year-long XXXX trip to XXXX. I left the country in XXXX 2015 and do not have any reliable way of receiving forwarded mail in XXXX. One, medical bill for a small amount was not accounted for ( {$140.00} ), and this was turned over to XXXX XXXX XXXX , XXXX of XXXX XXXX, XXXX. While I changed my USA address with my former employer ( XXXX XXXX ), insurance company, and the medical providers I was currently receiving bills from, the bill collection agency ( XXXX XXXX XXXX ) tracked my new address down, but the small bill 's medical provider did not and thus I did not know of this bill until the collection agency had already filed a derogatory credit item against me. This balance was immediately taken care of and the derogatory removed from my credit report, but the XXXX point hit my credit score took has not been reversed. 
I would like this collection report removed from all of my credit reports since it was the result of a 2 month later billing and a lack of due diligence on the part of the medical provider.

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 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have an account with XXXX XXXX XXXX XXXX. During the course of the loan, I went through a Loan Modification program. XXXX XXXX had me under a contract to pay a significantly lower mortgage payment for 12 months and then my mortgage was refinanced. XXXX XXXX is reporting several months of late payments although I paid the contracted and agreed upon loan modified payments during this time. My payments were never late- they were modified by XXXX XXXX . I paid the AGREED upon MODIFIED payments and they should not be reported as late. I have contacted XXXX XXXX several times and they have informed me that they are showing my account in GOOD STANDING. One customer service representative told me that the late payments will not be removed because even though the loan was modified, it was not the original payment amount. Under the loan modification, I was told that I could not pay any MORE or any LESS than the agreed upon amount and had to follow strict modification guidelines. XXXX XXXX is reporting false information on my credit report. This false/inaccurate reporting is causing financial hardship and undermining my credit worthiness.

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 07/21/2015 about Credit card () with STERLING JEWELERS, INC. (FL).
Issue: Delinquent account

Complaint: Kay Jewelers is set to come off my credit reports in XXXX 2016. However, Florida Statute XXXX indicates that it should not be reported more than 5 years after the final payment which led to the charge-off. Therefore, it is beyond statute of limitation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: The account was paid .... however prior to paying I agreed to pay balance in full provided negative information be removed. Information is still showing on my credit report. 

Tax Lien XX/XX/XXXX Released {$690.00} Public Record Details Reference Number XXXX Date Filed XX/XX/XXXX Date XX/XX/XXXX Status Released Amount {$690.00} Classification Lien Type Tax Lien

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 07/20/2015 about Credit card () with CITIBANK, N.A. (TX).
Issue: Payoff process

Complaint: We are in the process of selling our house and title company found that in 2010, I was sued by Citibank. No one ever contacted me about it. I was never served in person or by mail. Therefore a judgment was made in their favor. I was told to call the Recovery dept. to find out any information, the payoff amount. etc. ( I did this on XXXX XXXX ). I was told that they would forward my information to the dept. and they would call me back in 3 days. I waited and never received a call. I have since then called almost every day to try and get an answer or to talk to someone. I keep getting the same stock answer that someone will have to call me back, I ca n't talk to anyone directly. Today ( XXXX XXXX ) is day 7 and when I called I got the same answer. Our buyer is about to back out of the purchase of our house. I do n't understand why I ca n't talk to someone when I call. We are at their mercy.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/20/2016 about Mortgage (Other mortgage) with BB&T CORPORATION (AL).
Issue: Application, originator, mortgage broker

Complaint: The financial institution that pulled my credit information in error has disputed the issue and asked that it be removed from my credit report. However, that does not excuse the fact that a mistake was made with in that bank which has caused me anxiety, inconvenience, frustration, and the decrease of my credit score due to the " hard inquiry '' being submitted ( with out my authorization ). I spoke to an attorney today and filed a police report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: on XXXX XXXX they suspended my account saying it was a charge back from my funding soues which it was not i could notb access my account at all no statement no online no information in reference to the the section 22 D could not proof this happen still have n't sent me my money i sent them documentation this did not happen still have my account block

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (MI).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: USAA h as lowered my credit limit to {$3000.00}, way below my current balance of {$8000.00} and immediately reported this to the credit bureaus causing m y credit score t o drop  XXXX  points fo r the  XXXX  time in last   XXXX  . It is their attempt to force me to pay a higher monthly payment.    This is the   XXXX   credit card  with USAA w hich they lowered my credit limit below my current balance and reported this negative information to all  XXXX  credit bureaus.   I belie ve USAA has t argeted me for some reason and are deliberately ruining my credit history causing me higher rates for insurance and causing other creditors to follow suit.     I have had this credit card for approx.  XXXX  years and have NEVER missed a payment. Further, I have never missed a payment with any account in my name my entire life. I am  XXXX  years of age and never have I  had any kind of negative information reported to my credit report, However, in the last week USAA ha s wrongfully report ed  XXXX  separa te negative items to my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Due to the fact that my situation is not above for me to choose from. I am willing to explain it here below. I had the equipment from XXXX after canceling the equipment from my business office. In which ATT, placed my XXXX XXXX in XXXX and i am paying on that service at this time correctly. So, in that case XXXX should be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/16/2015 about Debt collection (Payday loan) with Solidus Group LLC. (UT).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I wrote a complaint on XXXX/XXXX/2015 regarding the collection practices of Delaware Solutions LLC. Today, XX/XX/XXXX, XXXX XXXX from Delaware Solutions called me again and stated that I 'm being served papers today if I do not pay a past due amount on a payday loan taken out XX/XX/XXXX. I told XXXX that I know my rights under the FDCPA and that I 'm requesting debt validation in writing and I have the right to dispute the validity of the debt. XXXX stated that they have already proven that it is my debt just because they have my social security number and email address. I informed him that I have sent a cease and desist letter and he stated he will continue to call me everyday to get a payment regardless of the letter. He then called me a XXXX who sounded like an XXXX and did n't know the laws. He continued to call me stupid as a recited my rights as a consumer. He then told me that I was going to be arrested and will serve time in jail for the unpaid debt. I informed him that he was breaking the law by using abusive language and by threatening jail time and he stated he was not. I hung up the phone, he immediately called back yelling at me that I was going to jail.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2017 about Checking or savings account (CD (Certificate of Deposit)) with M&T BANK CORPORATION (NJ).
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint: On XXXX XXXX, 2017 I had an 18 Month CD mature at M & T Bank. The Branch I use is in XXXX XXXX, XXXX XXXX, NJ. The CD originally started with XXXX XXXX XXXX XXXX which was acquired by M & T Bank. The account balance of the CD was {$5500.00}. Last month ( or the month before ) I received a renewal notice telling me the CD was coming due but that the rate I could be paid on renewal had yet to be established, hence could not be disclosed. On Saturday, XXXX XXXX I received a renewal notice in the mail dated XXXX XXXX which disclosed the CD ( Account Number XXXX in the amount of {$5500.00} ) had been renewed for another 18 months at a rate of 0.1 %, which is ridiculously below market. On Monday XXXX XXXX, I visited the XXXX XXXX XXXX XXXX XXXX XXXX to close the CD and spoke to Branch Manager XXXX XXXX who processed the CD Closure and charged {$52.00} in interest forfeiture fees and penalties. I told her that this amount of penalty sounded excessive given the late notice on the new rate and the fact that the new rate would only yield me {$5.00} per annum in interest income. She did n't really reply to that but said I could have closed the CD within ten days of renewal or before renewal to avoid the penalty even though I did not receive notice of the rate until 24 days after the renewal. She was very nice but essentially I gathered she was powerless to be fair about this so here I am. The Bank Official Check I left with was number XXXX for {$5500.00}. I am writing to you to try to get help for myself and the countless other people who were given penalties I deem to be excessive given the circumstances.

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 04/17/2017 about Mortgage (Other mortgage) with TIAA, FSB (GA).
Issue: Application, originator, mortgage broker

Complaint: We applied for a mortgage loan with Ever Bank for our new home and they are asking us to pay {$5000.00} as a deposit to lock in the rate without even giving a loan estimate with proper closing costs in writing. We shared our details with the loan officer including our XXXX 's income information and details of the property we are in contract with. We asked to pay {$5000.00} to lock in the rate without giving a proper loan estimate with details of the loan as per TILA laws/disclosure guidance as per XXXX Details of loan officer. 
XXXX XXXX Loan Officer T. XXXX C. XXXX F. XXXX XXXXXXXXXXXX XXXX ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Checking or savings account (Checking account) with BANK OF THE WEST (AZ).
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint: On XX/XX/XXXX and XX/XX/XXXX - I requested via secure message center to close my account. My balance was XXXX. Rather than closing the account - this Bank 's customer service representative keep on arguing how it needs to be communicated. On top of it - they charged me {$20.00} worth of over draft fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-07-2015 about Debt collection (Credit card) with Hameroff Law Group, P.C. (AZ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: After what I considered unfair treatment by XXXX, I had a credit card charge-off in XX/XX/2008. A few months ago, my wife was served papers for a lawsuit filed by a collection agency with my name and hers as defendants. More than six years had passed since the approximately {$7500.00} debt had been charged off, and now a debt collection agency in XXXX was suing me. I feel there are many problems with the suit, among them the amount of time since the charge-off, the fact that no attempt was made to contact me about paying the debt, my wife and I did not know each other at the time I incurred the debt and it was charged off, yet now she was named as a defendant, and I was never given the opportunity to 'have my day in court. ' I filed a response at the courthouse ( at a cost of almost {$300.00} XXXX, and was never granted the opportunity to plead my case. I heard from the law firm suing me that I lost and also that there was to be a hearing about garnishment, but all of these communications were sent ( I believe purposely ) to an incorrect address so that I would not receive them. Now my paycheck is being garnished, and I have never had the chance to speak in court. I do n't know what to do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Student loan (Non-federal student loan) with LOAN TO LEARN (OR).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: The name of the institution that has my student loan is Loantolearn.com, which I found through XXXX XXXX. 

The situation is that I acquired this loan in XX/XX/XXXX for {$16000.00} and as of XX/XX/XXXX, I still owe over {$12000.00} on it. There 's just no movement on it whatsoever. At the rate I am paying, it will take me an additional 11 years to pay off this debt. 

I was divorced after nine years in XX/XX/XXXX and I do not have that second income to assist in paying my debts. I make a quarter of what my ex-husband made, so I 'm struggling with debt that was in my name but shared in the marriage. I have closed any and all credit accounts so that I am no longer incurring any new debt, and am living paycheck to paycheck. It 's been hard. 

What I would like to do is try to negotiate a lower APR and/or split the balance and just pay that. I can pay it off closer to 3 years as opposed to XXXX, actually 21 years, since I got this loan in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This a individual loan that has been reported under my name from Portfolio recovery for XXXX, and is a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Deposits and withdrawals

Complaint: Capitol One paid a check from my account submitted by an individual as the payee and the signor. It is very apparent this check should never have been paid. The individual did not even attempt to forge my name on the signature line, the payee signed his name as if it was his account. When I notified the bank of the error, I was promised immediate resolution. After 2 weeks and 8 phone calls initiated by me, they will not refund my money unless I sign an Affidavit of Forgery in front of a Notary. They will not promise to reimburse the cost of the notary either. I should not have to consume my time to repeatedly follow up with the bank, only to be given false promises of resolution as well as contact from the customer service department that has not happened. Completing this document and having to get it notarized is not only inconvenient and time consuming, but should not be my burden to rectify the bank 's error. The lack of customer service from Capital One has been incredible. I WANT MY MONEY BACK, NOW!

Company response to consumer: Closed with monetary relief