milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/21/2016 about Bank account or service (Other bank product/service) with KEYCORP (CT).
Issue: Account opening, closing, or management

Complaint: I am trying to close a line of credit with Key Bank ( formerly First Niagara ). The process has dragged on for more than 30 days. I can not open another line of credit at my new bank because the lien on my Key Bank account is still on file with the State of Connecticut ( where I live ). Agreed upon account termination timelines have gone unmet despite promises from well-meaning staff at my local branch.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-02-2015 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Billing statement

Complaint: I have a TJX mastercard through GE Capital. I did n't sign up for or request to receive e-Statements. However, I somehow was told I did. This happened when I got a paper statement from a collection agency As soon as I realized that the payment was missed, I asked them why and they said I signed up for e Statements. I did n't. The email address they had on file was n't even mine. I was able to get them to reduce but not forgive the late payment fee. It did n't occur to me that I would be rated XXXX days late. Now they are telling me it 's my fault it was late since I should 've remembered I owed them. This XXXX-late is the only blemish on my credit report. I was an error on both parties -- - I guess I should 've remembered and mailed a payment ... but they still had the incorrect email address and I did n't opt in to the e-statement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/28/2016 about Consumer Loan (Vehicle loan) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Problems when you are unable to pay

Complaint: I have been totally and XXXX since XXXX 2011 and trying to clean up my credit reports, USAA is reporting a vehicle loan of mine as a charge off which is incorrect, I filed bankruptcy in XXXX 2011 but due to my child 's death the bankruptcy was not completed and the court has since vacated the entire bankruptcy. However during the bankruptcy I reaffirmed the vehicle loan and paid the loan in full anyhow. The vehicle loan is being reported as a charge off, which does not even make since considering USAA has the payment only being late 30 days, which is also false however because after the bankruptcy was filed I paid on time and then made a final payoff months prior to the end of the contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Vehicle loan or lease (Loan) with EXETER FINANCE CORP. (GA).
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint: On XXXX XXXX I brought a XXXX XXXX I was told I was eligible to receive a managers special because I am a 100 % XXXX vet that I would only have to pay 1052 monthly payment on a XXXX car. My finance company is XXXX financial. I paid my loan every month on time and realized 9 months into paying my loan that the balance did not drop but increased! I called and they told me that my interest rate was 23 % a day which basically means that if I pay my bill on the XXXX instead of the XXXX that none of my payments going on my loan but all is going on interest. That means I will never pay for my car and my balance is growing and not decreasing. I feel that I have been taken advantage of and not only am I XXXX but I fought for my country only to let dishonest companies take my only income that I have to got to waste and I could end up owning on this truck for the rest of my life. Companies should not be allowed to do anyone this way I have XXXX children and a wife to support and have paid XXXX dollars on a vehicle which balance has gone up instead of going down. I ca n't afford to just give away money I have had XXXX open back surgeries and ca n't work because of it and I demand to be treated fair. I did not fight for my country just to let dishonest companies take all they can and I will be out of thousands to the point that I cant ever own my vehicle. The statements do n't show where my money is going just a higher balance than I originally signed for

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Incorrect information on your report

Complaint: In XX/XX/XXXX I applied for a conversion of my HELOC to a fixed rate loan due to the balloon payment coming due on XX/XX/XXXX in the amount of {$28000.00}. It took Bank of America 8 months to process the conversion with approximately 5 different processors and multiple requests to resubmit the same documents several times as a result. In the end, it was the original processor, XXXX XXXX, who was assigned once again to my file and who finally moved us to closing in XX/XX/XXXX. In the beginning, XXXX had told me to continue making payments as I had been until we closed on the conversion/modification, which I continued to do as documented on the following statements. Bank of America is reporting my payment history during the processing time as 30, 60, 90, 120,120,120, 120, 120 during the processing time. I do understand the reason they are giving, saying the reporting is accurate because the full amount of the balance was due at the time. However, due to their failure to process the application in a timely manner is not taken into consideration and we should not be held accountable. 

Having been in banking as a XXXX XXXXXXXX, XXXX XXXXXXXX, XXXX XXXX and XXXX for more than 27 years, I know that this process should have taken 2-4 weeks at the most. Eight months is totally unacceptable and we should not be penalized for the banks delay. 

I have contacted Bank of America directly and filed disputed with all three major credit reporting agencies. Each time they reply that the reporting is accurate and no adjustment is made to 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 explanation
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: cra violaton sent po report XXXX has let their breach miss up my credit with everyone XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$1900.00} {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$1200.00} {$1200.00} XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) 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 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/XXXX ... .XX/XX/XXXX ... and XX/XX/XXXX I attempted to call Equifax Credit Bureau . I called to update my addresses and to request the removal of some inquiries that I did n't initiate or authorize ... ..I spoke to a U.S rep who was more than willing to update my addresses and remove my inquiries as soon as she finished updating my addresses and started to delete my inquiries her phone was disconnected. So I called right back and another rep was on the phone. So I explained to him what happened with the other rep that I called in and wanted to get my address updated and request removal of XXXX inquiries. I told him that 's what the other rep was in process of doing before our call was disconnected. He told me that he seen where she updated your address but he ca n't remove my inquiries. I asked why is that sir? He said they have no authorization to remove inquiries that I will need to contact the creditors and get a police report ... ..so I asked for a supervisor and he said the exact same thing. I 've seen where other people have gotten inquiries removed from Equifax without police reports or talking to creditors ... .also ive been hung up on a total of 6 times I explained to the supervisor that I have no contract with these creditors I believe that a lot of these inquiries were a result of the breach that 's going on ... .After that I 've been calling Equifax for 3 days and still no results!!!! A TOLTAL OF 13 HOURS TALIKNG TO Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: MCM, Inc has made numerous illegal attempts to collect a closed XXXX XXXX account. XXXX XXXX sent me a letter stating that MCM was never authorized to collect this closed account. this is criminal activity. pursuant to the FCRA MCM is legally bound to compensate me for the harm they created. due to MCM 's false collection reporting I have suffered the following : -unable to obtain better employment - unable to obtain a mortgage loan -unable to obtain an auto loan -unable to obtain student loans for my XXXX children -unable to obtain a loan for my husband 's direly needed XXXX surgery - I have suffered XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have disputed XXXX several times. I provided Equifax and XXXX with proof that the company did not provide any proof I owe the debt. They continue to come saying it belongs to me with no proof.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Rewards

Complaint: Bank of America sent me a targeted offer of XXXX miles if I opened a credit card with them. They approved the card, and I completed the minimum spend. I received XXXX miles. I filed a complaint with them, and they told me I had to apply for a credit line increase to get the remaining XXXX miles, as I did not have sufficient deposit and investment accounts with them. The promo material for this offer does not include the stipulation that I have to have certain investment or deposit accounts with them to receive the offer as promised. I have been a Bank of America customer for many decades, having XXXX accounts and a mortgage. My credit score is well above average. They then told me if I requested a credit line increase in three months, the missing miles would be credited. But what they did not tell me was that I would have to let them run my credit for a second time, and reduce my credit score by doing this. This information was left out. Since my credit score will be the same in three months as it was when I applied, they are showing that they are not intending deliver the miles that were promised when I signed up for their offer. This is an unresolved issue, and is unfair.

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 12/20/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (FL).
Issue: Account opening, closing, or management

Complaint: Throughout my professional relationship with Wells Fargo, I have been completely taken advantage of and insulted every step of the way. XXXX years ago I was bullied and tricked into getting a credit card with Wells Fargo that was disguised as a rewards card. Throughout that time I had been accumulating late fees and interest that has now totaled close to XXXX dollars. I had been making small minimum payments to take care of the roughly XXXX dollars I had actually spent on the card, but it was accumulating too quickly to keep up. I was unaware from the beginning that interest would be involved in my account, as the salesman used aggressive and unheard of sales tactics that proceeded further after I originally said no. I also had a debit card with Wells Fargo that I cancelled due to terrible customer service on multiple accounts of fraudulent activity on my account that were improperly dealt with. Wells Fargo has tried to contact me to resolve the debt on the " rewards card '' and offered me a settlement of XXXX dollars. When I refused with the wish to not pay any late fees or interest fees, they escalated me to a corporate resolution " expert '' who took XXXX days to offer me a settlement of XXXX which is HIGHER than I was originally offered. They audited my account and reported to me that they had found inappropriate communication with me and XXXX of their sales team and " apologized '' for it before insulting me with their resolution offer. I have been continuously disappointed with their services and tactics and wish to join XXXX of the many lawsuits against this horrendous excuse for a company. XXXX XXXX " resolution expert '' is the guy I spoke too who told me that I am not eligible for the audit regarding fake accounts. I am interested in learning more information about where I can go with this. I have sent him an email requesting all alleged signed documents where I spent money on the card as well as a copy of the original agreement. Please let me know how I may proceed. 

Thank you 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 monetary relief
Consumer complaint received 02-02-2018 about Debt collection (Private student loan debt) with Merchants and Medical Credit Corporation, Inc. (MI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This is a formal complaint against MERCHANTS & MEDCAL located in XXXX, MI. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/29/2018 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (MI).
Issue: Trouble during payment process

Complaint: Mr Cooper failed to pay my insurance premium from my escrow account on or before the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I had a mortgage loan with Ocwen that is still showing on my Credit reports 3 years after the Is till statue of limatation has passed I would like it to be removed it was 1st reported XXXX XXXX and the XXXX drop off date was XXXX XXXX NOTHING IN THE BOTTOM WAS RELATED TO SO I CHECKED MAKING PAYMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax XXXX Account Number ( XXXX ) Name ( XXXX ) Total Amount ( {$340.00} ) -- -- -This account is not a legit report. I never recieved a bill from XXXX Hospital. I called and verified that they had the incorrect address. As soon as I found out this account was reported on my credit as a collections I contacted them and paid ASAP. They stated that they apologize but there 's nothing they can do to remove it. If I had received a bill I would 've paid it then. Please remove this from my account as it was not my fault that I did not receive a bill but it is paid and should n't have been in collections to begin with. 

XXXX Account Number ( XXXX ), Name ( XXXX ), Total ( {$86.00} ) This was the same issue. I never received a bill. Then hit with a collection. I paid ASAP because I never knew about it. I asked them to remove it because I never received a bill to pay. I had XXXX other companies that billed me properly from that hospital visit. 


They should n't have even been in collections and the credit reporting agency is not working with me to remove them. I contacted both collector and asked about removing it when I paid and they said that the agency does that and they are failing to do so. I am feeling the effect of this bad credit reporting now and do n't like it as it was not my fault they sent the bill to wrong address on both of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (SC).
Issue: Struggling to pay mortgage

Complaint: You r group ( CFPB ) has been absolutely no help with this ordeal. Wells Fargo has used deceptive and fraudulent business practices yet you allow this behavior. When I was approved for the modification 2 years ago, I had to hire an attorney at a cost of {$700.00} because they  approved me for modification and refused to honor the approval to allow me to pay. I had to hire an attorney to force them to honor their approval but it cost me an additional {$700.00}. In addition they increased my payments to the point where it made my payments unreasonable. My payments increased by over 40 %. They have tried to fraudulently speed up the foreclosure by stating I abandoned the property which was a lie. They cited my electricity was turned off which was a lie. They continuously leave these abandoned notes on my door an d on 2 occasions left posted abandonment notes on my door for my neighbors to see. This is a government secured loan and they know they will get paid in full if they simply foreclose. They are stealing from taxpa yers by using deceptive and fraudulent business practices. I will write my local government representatives including  the White House as to the effectiveness of your organization assisting me with dealing with Wells Fargo. Wells Fargo has   made this entire process stressful and now I will now lose my home because of their actions. I have proof and documentation of their illegal behavior at forcing me out of my home.

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 06-03-2016 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I sent in a payment for XXXX 2016 monthly mortgage, ( principle and interest ) check # XXXX for the amount of XXXX and an escrow payment check # XXXX for the amount of XXXX, XXXX of which were cashed by Wells Fargo on XXXX the XXXX XXXX. My monthly mortgage amount is XXXX which matches the amount of the Mortgage Check, however WF did not apply my mortgage according to the monthly statements dated XXXX XXXX, XXXX XXXX, ( please review attachments ) but sent it to an undisclosed application. Also the amounts of what they move to this unapplied funds changed within each statement with no clear total of how much is in the manufactured " unapplied funds accounts '' Wells did apply the escrow check to the escrow account. In addition to these XXXX XXXX payments, I made an additional XXXX ACH payment to Wells also on XXXX XXXX XXXX, this is because they also withheld the previous month 's payment and demanded more money. 
I have yet to receive a year end statement for year ending XXXX as required under law. The closest I got to it was some worksheets that Wells used to correct the previous miss applied funds in XXXX XXXX. In addition, Wells keeps referring to " my contract agreement ''. My Loan is a VA loan and the terms of that loan were determined by the XXXX. I have complied with those terms fully and have never missed a payment. I have satisfied both the monthly mortgage account and my escrow account, since the inception of this VA loan in XXXX. However Wells has pirated my accounts ( both mortgage and escrow ), and have not followed policy and is some cases law, ( i.e. they gave me XXXX escrow analysis in XXXX 3 months apart and they also misapplied funds in XXXX XXXX and then in XXXX issued statements where there were shown to take money from my principle and apply it to interest ) and consistently move my payments around to meet the funds they wish to raise manufacturing what they describe in threatening letters to me as delinquent and pre-foreclosure, none of which is accurate. To reiterate, since XXXX I have never missed a VA mortgage payment, or insurance/tax payment ( escrow ) and have fully complied with the terms if my VA loan agreement, whose customer I am. My association with Wells Fargo is that they bought the loan from the VA, but I never went to WF as a customer, and would not have. This means that we are associated because they brought the loan, hence we are associates, and I am not their customer and do n't purchase Wells Fargo 's products, just for the record, other than this VA loan we have no other relationship.

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 01/20/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: CHASE HOME FINANCE LLC XXXX - I HAVE NEVER PAID THIS ACCOUNT LATE, AND IT WAS NEVER A CHARGE OFF!! DELETE NEGATIVE REMARKS ON THIS ACCOUNT OR DELETE THIS ACCOUNT FROM MY RECORDS AS WHOLE!!! 
I have requested Chase to validate this account and send me a payment history several times. However, I only received an auto generated response to all of my letters. When trying to request validation via phone, I was advised to write to them and received same results!!

Company response to consumer: Closed with explanation