milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/20/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: My home is in foreclosure and BOA Ban of America is not fairly handling my attempt to short sale. I am filing a property value dispute because the appraisal is inaccurate. I have a buyer who wants to live in the house. However there is alot of work that needs to be done. The buyer is qualified to get a mortgage with funds to repair built in. I have a XXXX sale scheduled for Tuesday XXXX XXXX, 2016 and have asked for the bank to postpone awaiting the results of my value dispute. Bank of America refuses and claims XXXX will not allow them to postpone. I need to be able to short sale in order to avoid foreclosure. I have filed a complaint with XXXX FHA case # 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 02-04-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Have not received a final response on the dispute. My personal information has been changed specifically my name to XXXX ( my criminal brother ) from XXXX and my address has been changed to XXXX XXXX address.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I did not authorize these inquires that are on my Experian credit report and they refuse to give proof of them and will not delete them CRA 's must correct or remove inaccurate, incomplete or unverifiable information in their files. 
In accordance with the written instructions of the consumer to whom it relates. 

I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete Thanking you in advance. I demand the following inquiries removed immediately. The following inquiries are unauthorized : XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX. Inquiry Date :XX/XX/XXXX XXXX Inquiry Date : XX/XX/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 explanation
Consumer complaint received 04/27/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgage was transferred to Nationstar as of XXXX/XXXX/XXXX. Since then our payments are not posted in a timely manner or for the amount sent. 
for example payment cleared our bank on XXXX/XXXX/XXXX for XXXX per the payment history received from Nationstar the payment was not posted until XXXX/XXXX/XXXX and only for amount of XXXX. 
payment cleared our bank on XXXX/XXXX/XXXX for XXXX but was not posted to our account until XXXX/XXXX/XXXX and only for amount XXXX When our loan was transferred to Nationstar from XXXX we only received a good by letter from XXXX but no welcome package from Nationstar. So had to contact them to make sure the payment amount was the same as XXXX. I was told it was the same so that is what we are sending but they are only posting XXXX Have to call every month to get a payment history as they will not allow use of the website. Try to get information several times as to why it takes so long to post the money and why it is less than we sent. sent them the exact same documents attached and all they will state is they have no record of sending me the history every month and they are posting the money for what we sent. Have been unable to resolve the issue with Nationstar as they are not willing to listen or review the documents I sent to them as proof of what they sent me. Have been calling them every month since XXXX XXXX to get a payment history but they deny sending it each month.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Debt collection (Medical) with JP RECOVERY SERVICES, INC. (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: JP Recovery Services has sent me a letter attempting to collect a medical bill for allegedly {$70.00} for XXXX XXXX. I do not owe this amount and the debt is not valid. Insurance coverage does not require a copay for these visits. This is incorrectly billed to me. Furthermore, the XXXX XXXX misdiagnosed a medical condition from XXXX XXXX thru XXXX XXXX. The malpractice has resulted in : - Visits that do not require copay ( but I was billed incorrectly for ) - XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 10-05-2016 about Debt collection (Medical) with Paramount Recovery Systems, L.P. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX reported on my credit reports that I owe money for services rendered. I have insurance in which I provided my information and a copy of my XXXX card to the hospital at the time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with fraud alerts or security freezes

Complaint: I have a security freeze in place with TransUnion. There was a 'temporary lift ' placed on my credit freeze that I had never authorized. I'm a victim of Identity Theft and a person was able to apply for a credit card with my information as a result of this temporary lift. Every time I try to remove the lift online, I'm told I have to call them. When I call them, they deny there is a lift on my credit freeze, however, I insist there is a lift because the information on my online account shows there's a temporary lift and an identify thief was able to submit applications for a credit card. 

After speaking to several TransUnion reps, they keep insisting there is not a temporary lift.

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 09/29/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Late fee

Complaint: I owe Capital One on my CCD {$650.00} with a minimum payment of {$170.00}. I am behind by three payments ( 3 months ) so far. They have called me 46x ( recorded ) this month alone about the amount owed. I have spoken with them and told them that I am aware but had other pressing matters. I have asked them to only call me once a day at the very least. They have ignored my concerns. I have blocked their number through an app on my phone that records their calls. I would like them to stop calling me. I recognize the debt and am working on paying them. I have already cancelled one card by them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-08-2015 about Money transfers (Domestic (US) money transfer) with WELLS FARGO & COMPANY (GA).
Issue: Other transaction issues

Complaint: On XXXX XXXX, 2015, Wells Fargo ( WF ) allowed the transfer of {$1900.00} from my business savings account to XXXX XXXX XXXX QuickPay without my consent. I realized the transfer occurred on XXXX when reviewing my balance and promptly calling Wells Fargo and initiating a fraud case. The information I received back on XXXX/XXXX/2015 was this was a XXXX transaction and I am required to dispute this within 24 hours. I had never heard of a XXXX and Wells Fargo did not explain that my accounts could be used for such transactions without my knowledge when opening the account. It took WF 2 weeks to get back with me with this information and they did not contact XXXX XXXX in that period and suggested I do so. I called XXXX XXXX and they said they could not do anything unless the WF fraud department contacted them. I informed WF of that on XXXX/XXXX/2015 and am awaiting a response. I am trying to run a small business and this has taken a large part of my time in the last several weeks trying to get recover my funds. I feel I am in a virtual loop between the big banks with no hope of resolution.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Student loan (Federal student loan servicing) with ACS Education Services (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I would like to request a full accounting of my student loan ( s ) with ACA. I owe far over XXXX and I think the principle balance is below XXXX. 

How much of my balance is interest, fees, principal or any other charge?

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Debt collection (Other debt) with ACIMA CREDIT, LLC (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I leased furniture through a company called acima credit. And signed a lease over the phone thinking I was paying the amount discussed over the phone which was {$650.00}. They then sent a letter a few weeks later saying I had a  XXXX  deadline to pay off the bed. That was   XXXX   XXXX   XXXX    . I called to figure out when my deadline was and told me it passed and that I now owed {$980.00} dollars. I asked to be transferred to a supervisor, which was very rude, to try to resolve the issue. I never knew I was signing a lease for more then the amount owed until I received the letter. But the damage was done. The lease was already signed.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX XXXX 2016 : XXXX XXXX XXXX XXXX XXXX ( creditor- XXXX XXXX ) {$450.00} account removed by Transunion ; still being reported on XXXX . I have disputed with XXXX and they have not removed. It is also showing on XXXX still. 

XXXX XXXX 2016 : XXXX XXXX XXXX ( credior- XXXX ) {$91.00} : removed by Transunion : XXXX has not cooperated in deleting, and is still reporting. Still showing on XXXX. 

XXXX XXXX 2016 : XXXX XXXX XXXX ( creditor- XXXX ) {$360.00} removed by Transunion , XXXX has not cooperated in deleting and is still reporting. Still also showing on XXXX. 

XXXX XXXX 2016 : XXXX XXXX XXXX XXXX ( creditor XXXX ) {$540.00} removed by XXXX Transunion is still reporting, although I disputed with them. Also showing on 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 explanation
Consumer complaint received 05-05-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (VA).
Issue: Trouble during payment process

Complaint: I am currently in an active Chapter XXXX Bankruptcy and current both the plan payments and my mortgage. My homeowner insurance premium changed drastically ( for the better ) last year and my monthly escrow payment never changed. I never received my 2016 escrow analysis and have requested this several times ( as has my legal counsel ) from my servicer ( Nationstar Mortgage, LLC ) by phone. I am mailing them a letter to request this again and copying my bankruptcy attorney. What can I do? I know my escrow payment is much higher than it should be but I can not get the servicer to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: These accounts are not my accounts they are FRAUDULENT Im not the XXXX  XXXX XXXX e.g XXXX XXXX, I dispute all of the accounts listed below as FRAUDULENT ACCOUNT XXXX/XXXX {$2200.00} # XXXX/JOINT ACCT, XXXX XXXX  XXXX XXXX {$1300.00} # XXXX, XXXX XXXX XXXX XXXX {$390.00} # XXXX AS FRAUDULENT ACCOUNTS and the Inquiries are disputed as FRAUDULENT Inquiries as FRAUD XXXX XXXX XXXX-XX/XX/XXXX &XX/XX/XXXX, XXXX  XXXX, XXXX XXXX, XXXX , XXXX  XXXX and the FEDERAL TAX LIEN # XXXX XX/XX/2017 {$31000.00} I DISPUTE ALL OF THE ABOVE ACCOUNTS AS FRAUDULENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-05-2017 about Debt collection (Auto) with GENERAL MOTORS FINANCIAL COMPANY, INC. (MI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: GM Financial is reporting under XXXX credit bureaus an account they have not verified

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (FL).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I had two missed payments and my account was closed. I live in XXXX Florida where Hurricane Irma caused major damage. I was without work for a while and was unable to pay my credit card. i had no phone, i had no internet and no way of contacting the credit card to let them know of my financial statuts.I made a two payments as soon as i could and my account was closed. I think it is unfair that they would close my account when i had financial troubles.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/15/2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (ME).
Issue: Problems caused by my funds being low

Complaint: There is a {$70.00} overcharge that I am disputing. It derives from TD Bank 's having charged me {$35.00} per debit when a debit induces a negative balance. 

I did overdraw the account on XXXX XXXX. I accept XXXX {$35.00} overdraft fee as appropriate. 
Debits are reconciled daily. There were XXXX debits on XXXX XXXX, and they were made in order of highest to lowest. In so doing, they were done so as to have XXXX of the XXXX debits made against a negative balance, so as to induce XXXX overdraft fees. If the biggest one was the last XXXX, then there would have been only XXXX debit against a negative balance therefore only XXXX overdraft fee. 

Therefore, I have been overcharged {$70.00} because XXXX of the XXXX overdraft fees were preventable by TD Bank. 

The likelihood that XXXX transactions would be, if their order was chosen at random, ordered from highest to lowest is XXXX in XXXX. XXXX use the protocol that if an event is less than XXXX likely by chance, then the event can not be considered a chance event. Therefore, I am inferring that the ordering to maximize the overdraft fees is deliberate. If similar complaints have been received against TD bank, then proof of intent will be stronger than can be inferred from this complaint alone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/18/2017 about Mortgage (Conventional home mortgage) with SUNTRUST BANKS, INC. (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Hello, My initial application to  Suntrust Mortgage  was submitted in  XXXX  . 2017. It  entail a refinance of the current mortgage with the company. Everything was going well except the appraisal. It was more than 30 days after the initial application and all documents were submitted way ahead of schedule and A Paid Appraisal. The appraisal result was less than expected by more than {$100000.00}, So I appealed wit h Data and  a brief summary. Well I never received an answer regarding the appraisal and Then suddenly, I was n't approved anymore. I requested a refund of my appraisal, but was denied About 3 months later, I contacte d Suntrust  mortgage to state my dissatisfaction of the service to resolve our differences and to re apply since it was less than   six months.
I explain the situation to the former loan agent, but he refuse to talk, so I was transferred to another who transferred me to a manager which   allowed me to resubmit the appeal.   XXXX   XXXX  of my   chief    complaints was using an appraisal that was located more than  XXXX  miles away from subject property when there are plenty of appraisals located in the city of the subject property And the appraisal used comparables with different zip codes that are in undesirable areas. All of my complaints included references from police departments and   XXXX   XXXX   XXXX       After the submittal, the appraisal stood as is.

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 07/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (VA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I received both email and snail mail from Citi Card saying if I applied for a credit card from them before certain date, and spent at least {$3000.00} within first 3 months of the opening the account. They would give me XXXX XXXX XXXX miles. On XX/XX/2017, I applied the credit card online and used the promotion code in the mail that they sent to me. I got approved immediately. I received a confirmation mail and the physical card about a week letter. I started to use the card. However, today ( XX/XX/XXXX ) I called Citi card, and I was shocked to learn that Citi Card said I am not eligible for the promotion they promised to me because I had a closed credit card account with them within last 24 months. They said this was noted in my account on the day that they approved my application ( XX/XX/XXXX ). I asked them to show me where I could locate that note, and I was told the note can only be seen on their side not my side. The lady I talked with on the phone whose name is XXXX admitted that Citi could emphases the 24-month condition in the email or snail mail they sent to me before my application or even after I received the card, they still could notify me this, but they did not. Unfortunately, I applied the card online and there was some disclosure online about this ( which I did not recall to read it at all ) when I did the online application, therefore they can not give me the XXXX miles. I really believe Citi Card intentionally misled me, had I read any information in the email/mail or online about that 24-month condition, I would have not applied for that credit card, nor had have used that card as much as I can to reach my {$3000.00}. They could emphases that I should spend {$3000.00} within first 3 months in the email/mail, why ca n't they put all the conditions together so that I could be fully clearly informed? How could they miss such information that is so important for me to help me to make my decision? As a big company like Citi, it seems they must have done a lot of same sneaky tricks to our customers before. And they must have received a lot of this kind of complaints. XXXX seemed did not care at all when I told her that I would file a complaint about them. And she seemed immediately found the way to tell me what was the reason that they would not give that promotion.

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 10-01-2016 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (MN).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I have been contacted by the General Revenue Corporation no less than 4 times and have called each time to request they stop contacting me. The last time a great deal of information was given and I was told they would stop contacting me. The debt they are trying to collect is not my own. It is for a person with the same first and last name as me. This has been said to them at each time of contact and each time I have been assured they would stop contacting me. I have received yet another letter today to collect a debt in full for a debt that is not my own.

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 12/30/2015 about Consumer Loan (Installment loan) with GreenSky Trade Credit, LLC (CA).
Issue: Managing the loan or lease

Complaint: Construction Loan Company ( Greensky ) released {$1000.00} to XXXX XXXX XXXX ( contractor ) without costumer 's ( me ) authorization or any work done. As soon as I got the first loan statement, I called the loan company to complain about the unauthorized released funds and to put a stop payment to any other non-authorized sums. Greensky kept sending the statements showing the {$1000.00} balance for several months ; after contractor failed to do any work on my property I cancelled the project or contract. I called the loan company to file a complain ; they reviewed the complain and for several months I did n't hear from them, then three months ago they started sending the statement again. When I called them, they claimed the {$1000.00} was now a cancellation fee! I have spent hours in the phone with them trying to solve the situation, I agreed to make a payment by phone because they threaten to damage my credit report ; they also said that if I paid they would n't charge any interest on the loan ; but now they are also charging interests. So I called them and I said that I was disputing the bill and that I would file a complain with the CFPB. The loan company says I have to deal with the merchant ( contractor ) and try to get the money from them ; but in my cancelled contract it said that it was illegal for the contractor to collect funds for work no yet completed. Greensky released the funds without my authorization for work that was not done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief