milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-03-2017 about Mortgage (VA mortgage) with Village Capital & Investment LLC (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Around XX/XX/XXXX I contacted village capital current lender who I have a loan with now try to do a VA loan cashout.I have my VA appraisal and termite completed by another mortgage company they told me that everything was going to be completed and closing within 3 weeks.I have corresponded through hundreds of emails also to XXXX XXXX everytime he stated that I was approved on XX/XX/XXXX I was told that that the VA appraisal had got transferred and approved so that I would lose in 3 days.I let them know that my wife father XXXX XXXX in XXXX and needed to go to father XXXX.My wife did not make XXXX because they said she needed to be here to sign documents but nothing was completed. 
It was discovered after I spoke with loan proccessor XXXX that all the things the loan officer was telling me were all lies.XXXX stated that she did not have my XXXX, paystubs, VA pension paperwork, and wife information.I like that me and my wife were being lead just the loan officer can get commisson. 
I am a XXXX XXXX veteran and it is not right how these people can lie to people so bad.If they told me the truth I would not be so frustrated.I can forward copies of all emails.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have disputed to Transunion XXXX different times to get off inquiries, that are on my credit report, that I never gave permission to be on there. The response I got from Transunion each time was only within 2-4 days and came back as legitimate. There is NO WAY they could have investigated anything within that time frame. It even says that the credit companies have 30 days to dispute, my disputing of inquiries. So how can it be done within 2-4 days total each time!? They are not doing anything about them. Its unfair that I have so many inquiries that I would have never allowed through to my credit report. 
XXXX makes disputes way to confusing to even try to being there also. 
Another car company did this exact same thing to me in 2013. 
Thank you for your time with this matter. 
XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Debt collection (Medical) with Holloway Credit Solutions (AL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I noticed that this collection appeared on my credit report but i was never notified of the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/17/2015 about Payday loan () with Enova International, Inc. (TX).
Issue: Can't stop charges to bank account

Complaint: On Wednesday, XXXX XXXX, 2015, I agreed to a settlement with Cashnet USA for a loan I foolishly got several years ago. The agreement was to pay {$250.00} from my debit card that ended with XXXX on XX/XX/2015. I received a reminder e-mail about the arraignment on Monday, XXXX XXXX, 2015, and so in an attempt to be proactive I went to their website and made a one-time payment of {$250.00} using a different debit card. 

I ignorantly assumed that they would receive the payment, close my account, and leave me alone without me having to call them back but I was wrong. Their " system '' should have been smart enough to do that. 

Instead, they charged the debit card that I used Monday for an addition {$250.00} today, although I have XXXX e-mails stating I authorized them to only debit the card ending in XXXX, not any other card. When I called them, they contend that since I used a different card Monday that their " system '' updated my profile to that card and voided the original agreement that listed the card ending in XXXX as the card that I wanted to use, even though they sent me no notification to that effect. The ridiculous part about that contention is if the system is smart enough to update my records to a card I did not authorize to be used on the XXXX then the system should have been smart enough to know that I had already made the payment on the XXXX to satisfy my agreement. 

The use of XXXX credit card does not automatically entitle that company to void an existing agreement to use another card at a later date, and this is simply an attempt to steal more money from me. 

I want the {$250.00} back that they stole from me by debiting a card that I did not authorize them to use. This is a very deceptive business practice and they should discontinue it immediately. They should not be able to hide behind " systems '' when debiting accounts. I believe they simply are using this as an excuse to try to bill people money that they did n't agree to pay. This is quite despicable!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Debt collection (Mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: XXXX XXXX services called threaten to foreclose my property. I told XXXX that I had already giving XXXX payment of {$520.00} each XXXX XXXX. which would cover XXXX and XXXX anf another payment would follow before XXXX XXXX. me owing only XXXX 's payment the representative threaten to foreclose my property and called me a lier. I went through a nervous breakdown down and feeling XXXX. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (IL).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I had a friend use my referral link to apply for an American Express Business credit card on XX/XX/17 and be instantly approved. The referral bonus is supposed to be XXXX XXXX points that American Express owes me. I have since not received any points and I have contacted American Express about it multiple times. They originally opened an investigation and said it would be at most 4-6 weeks to get it resolved. It has now surpassed that and every time I call American Express, I am told that the investigation is still open and they will reach out to me within a week which never happens.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Consumer Loan (Vehicle loan) with FC HoldCo LLC (NY).
Issue: Taking out the loan or lease

Complaint: I applied for a car loan at the dealer, was told I qualify Flagship Credit Acceptance. I have late fees for monthly missed payments with Flagship. Whenever I specifically ask to have late fees added to that payment I am making they say yes, after I pay, I am told the late fees are added to the principal payment. I have recorded at least XXXX conversations. Today, I am 35 days behind and am being told that my account has to be brought up to date in order to have access to my account online. I asked the male rep may I have copies of their rules and regulations, it was never mailed to me, despite having ask at least 3 times before. He replies, to get it online, my reply was how can I get it online when you told me I have no access, he starts telling at me to stop yelling, which I was n't. He hung up on me. I am told so many contrasting and different rules by workers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ENCORE CAPITAL GROUP INC. (AR).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Midland Funding is in violation of the FCRA ( fair credit reporting act ), due to their failure to accurately report correct dates regarding time barred debts. This includes them re-aging accounts based on the date they purchased the account and not reflecting the last date of last activity. This has caused undo harm, as it makes these accounts appear more recent than they truly are. Due to their lack of abiding by FCRA, they in turn are causing negative reporting on my credit report. These should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I used the annualcreditreport website to request all XXXX credit reports. Experian rejected my request, even though I had all my banking information in front of me and accurately responded to the security questions.

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 05/25/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Making/receiving payments, sending money

Complaint: I got a new Bank of America credit card. I went into my Bank of America on-line bill pay and paid the complete balance by the due date. On the next billing cycle of my credit card, the statement says I never paid and it charged me late fees and interest. I went back into the online bill pay and it says Bank of America cancelled the payment to pay off the credit card. I talked by phone to a Bank of America rep and he just had no idea about what happened and told me to just pay off the balance including the late fees and interest.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: They would not allow me to lower my payment. Then they would allow me public service forgiveness on my loans stated they dont do that.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Debt collection (Medical) with Voss & Klein, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: XXXX, XXXX, XXXX ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear XXXX I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you XXXX, XXXX, XXXX or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : XXXX, XXXX, XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 10/21/2015 about Prepaid card (Government benefit payment card) with Empowerment Ventures, LLC (GA).
Issue: Adding money

Complaint: i have a prepaid rush card and is having promblem with my money been poster on my card have call rush card but there calls or high and ca n't get there to talk to anyone and this problem stared on XXXX/XXXX/2015 and i am not the only one having this problem with rush card everybody that use ruch card is too

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/28/2017 about Mortgage (Other type of mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Struggling to pay mortgage

Complaint: I have been trying to do a short sale with the  Wells Fargo sinc e  XXXX    XXXX  . The everytime I get an offer in the lender counters the offer and when my buyer meets the counteroffer, they counter the offer with a higher price.  Now the lender has countered the offer at $ 165K and I my payoff is $ 145K. This  is ridiculous. The lender is being impossible, and I am trying the best that I can to get my property marketed and viewed, now my foreclosure date is in a couple of days and the file has been with the escalations department for wel l over two ( 2 ) wee ks and they still can not give me an answer. I need help. Please help me.

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 04/17/2017 about Credit card () with Alliance Data Card Services (PA).
Issue: Billing disputes

Complaint: I am a XXXX and do most of my purchasing and credit card management on the web. In XX/XX/XXXX I made a XXXX present purchase for my daughter using HSN ( Home Shopping Network ) online using their " Flexpay '' feature of 2 payments. The credit I used was the HSN credit card which is apparently managed by Comenity Bank. Although I pay substantially in excess of the minimum due each month, which I have set up electronically, apparently there was a problem with payment # 2. At this writing, although I have available balance on this card, Comenity has sent this second payment to collection. In the past the ability to view " Flexpay '' s online has not been available but since this absurd problem started they have improved their website. That is how I come to know the issue. I spoke with HSN today multiple times and they say there is nothing they can do. Apparently Comenity has been sending emails which unfortunately I can not pick up when I am out of the country. Still the last email was XX/XX/XXXX and since I am home at present, when I use the link to attempt payment manually I still can not get this resolved and now I am being harassed by a collection agent for Comenity Bank. How can a flex payment go to collections when there is available balance on the account?

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Debt collection (Non-federal student loan) with Richard J. Murphey, Attorney at Law (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: On Friday, XX/XX/2016 at my place of employment. A Law Firm which represented themselves as a XXXX XXXX XXXX came to my office and did the following. 

XXXX. A representative, showed up to my job and stated that they had a subpoena to serve me. 
XXXX. Became belligerent and threatened that they would put my business out if I did not show. 
XXXX. Used foul language to the staff and security guard when asked to leave. 
XXXX. Informed, staff, clients and security twice, shouting out in the lobby, the name of the company I owed and how much money I owed. 
XXXX. Left my personal information with my name, address, bank account information visible in a lobby for clients and co- workers to see. 
XXXX. Lied and stated he had a subpoena when in fact that he had a summons. 
XXXX. The summons had no court date and was filed illegally in XXXX XXXX which I do n't even live in. 

The process server, XXXX XXXX whom was sent by the debt collector was asked to leave the property or XXXX XXXX would be called. He stated " I do n't give a XXXX ' who you call. He was also informed by the receptionist that it was illegal to leave the documents out in the open and he stated, " I 'm not getting XXXX '' and left my personal information with my name, address, bank account information in the lobby. In addition, the subpoena that he stated he had was a summons that did not have a court date on it and was not filed in XXXX XXXX in which I lived. I was left embarrassed, my safety compromised and I am not sure who has my information. The long term effects of what he did will haunt and damage me forever. 

He had no right to threaten, use foul language, disclose my personal information or file a summons in XXXX XXXX in which I live. The summons is even questionable as there is no court hearing date listed on the summons. I am in the process of obtaining all witnesses involved as well as the video tape from the day of the incident.

Company response to consumer: Untimely response
Consumer complaint received 03-01-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Problems caused by my funds being low

Complaint: I made a deposit on Wednesday XXXX in the amount of {$9500.00}. The receipt shows that on XXXX, {$4800.00} will be released with the remaining amount released on XXXX. 

In a letter dated XXXX from Bank of America states that the ENTIRE deposit would be held until XXXX. Since the letter was sent on the XXXX of XXXX, the date my receipt stated that {$4800.00} would be release I was not notified that all of the funds were held until AFTER I made purchases as I was notified from the receipt that I had {$4800.00} with which to work. 

Therefore, I was charged XXXX overdraft fees of {$35.00} each for monies I had on hand. When I spoke to your customer service representative, XXXX, this morning, she attempted to first say it was because I deposited the funds into an ATM, no matter that it was a Bank of America ATM.

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 01/20/2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This company tried to force me to agree to pay $ XXXX. to avoid collections. I told them I could only afford $ XXXX. They would not accept this, so I told them I would send what I could afford. I also informed them that if they were n't willing to work with me, they would get even less if they sent me to collections. I then came into extra money, so ended up sending them {$120.00} over two months ( almost double what they demanded ). They still sent me to collection!!!!! They said it was because I did n't have a formal agreement - which I was n't willing to do because I did n't know that I could meet the required amount each month.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Resurgent Capital Services L.P. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Charges on my credit report that I am not contracted with the collection agency pursuing the collection I asked to have accounts verified by  CB I d isputed the following charges on my credit report with  XXXX ,  XXXX , and  XXXX  i asked to show a contract showing I signed in agreement with the below listed collections on the balances they are trying to collect with me and th e all (  3 ) CB could not show me a verified contract and the balances still remain on my report   XXXX   XXXX   XXXX   - Acct #  XXXX  - reported bal {$820.00}  XXXX   XXXX  - Acct #  XXXX  reported bal {$2900.00}    XXXX   XXXX   XXXX     -  Acct  XXXX  - reported bal {$260.00}  XXXX   XXXX   XXXX   XXXX  Acct  XXXX  - reported bal {$380.00}  XXXX   XXXX   XXXX   XXXX   XXXX  Acct #  XXXX  - reported bal {$260.00}   XXXX   XXXX   XXXX      XXXX  Acct #  XXXX  - Reported bal {$250.00}  XXXX   XXXX   XXXX   XXXX  -Acct #  XXXX  - Reported bal {$390.00}

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Debt collection (I do not know) with Commonwealth Financial Systems, Inc. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Common Wealth Financial has reported a Collection account on my credit reports for {$180.00} that does not belong to me. This has caused my credit score to drop and is causing issues. This does not belong to me. I have never received any communication from them regarding this matter nor do I know anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: A few years back, my payment was around {$80.00} per month in a repayment plan. Then one month, with no prior notice, the payment deducted was substantially more. As stated, there was no prior notice whatsoever. I called and had to battle with them to get the payment reconfigured to an amount I could handle. Just this week, the EXACT SAME THING HAPPENED AGAIN. My payment was around {$85.00} per month and all of the sudden, with zero forewarning, the amount deducted from my bank account was {$240.00}. This is unacceptable. I am about to have my XXXX child and unauthorized debits like this can substantially affect my financial viability if it keeps happening. At least if I had a notice that the payment was being raised, I could do something about it. Maybe that 's not a big hike in amount for some people but it is for me.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (MS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Capital one card that I had was stolen and used and they have put it against my credit will not let me dispute things closed my account refused to work with me added so many extra charges and will not listen to me even though the same year someone tried to file taxes in my name I had stolen identity but they still will not listen and keeps charging me more and screwing up my credit

Company response to consumer: Closed with explanation