milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/15/2017 about Debt collection (Medical) with AMCOL Systems, Inc. (NC).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I was seen at XXXX who sent highly personal medical information to AMcol without my consent. My original information I disclosed with XXXX who turned around and sent it to Amcol. Amcol I see is licensed in XXXX are they able to share my personal information as well as attempt to practice in XXXX. I would like this matter looked into please

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Bank account or service (Checking account) with MUFG UNION BANK, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: Dear Consumer Financial Protection Bureau : I have had an account with Union Bank for almost 16 years. At the time I first opened the account, I was employed full-time. I was laid off during the Great Recession, and, much to my chagrin, have been unemployed for several years. Currently, I help to take care of my mom. Yesterday ( XXXX/XXXX/16 ), at XXXX PDT, I called the Union Bank Customer Service Center, and asked them to please discontinue the mailing of monthly paper bank statements. The employee I spoke with over the phone, XXXX, said, " she could not do that because of the type of account '' that I have. 
I told XXXX that I wanted to save the {$20.00} per month charge for paper statements. She said, " oh no, '' I was " actually being charged {$50.00} per month '' by the bank : {$20.00} for the paper statements, and {$30.00} because the " balance is too low for the type of account you have. '' Never, at any time, was I told of any {$50.00} monthly bank charges! Believe me, had I known, I would have gone to the bank immediately to : 1 ) protest the excessive monthly charges, and 2 ) close my account. I told XXXX that my last several bank statements only showed a fee of " {$20.00} per month. '' I NEVER received any notification from Union Bank, at any time, of an additional {$30.00} per month fee due to a " low balance. '' XXXX said that I should visit my local Union Bank branch and ask for a " Banking by Design '' account, which, apparently, has lower monthly fees. 
I feel the bank is taking advantage of lower income customers by charging extra monthly fees for those with lower balances. These bank customers, including myself, are the ones who can least afford it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-10-2016 about Credit card () with CITIBANK, N.A. (IL).
Issue: Late fee

Complaint: I paid my Citibank credit card bill on XXXX XXXX from my XXXX Bank account. XXXX mailed a check to Citibank well in advance of the XXXX XXXX due date. Citibank said they did not receive the payment until XXXX XXXX, so they charged my account {$25.00} for being late. I called customer service to explain that the payment was sent well in advance of the due date, and there should be no late fee. I asked them to waive the {$25.00} fee. They would not.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: CFPB and FTC recommend credit freezes with the credit bureaus in response to the Equifax data breach. Yet, CFPB and FTC do n't realize that they charge a {$10.00} fee. That is insulting, especially with Equifax and their data breach. Equifax stands to profit at least {$1.00} XXXX in credit freeze fees from the estimated 143 million people impacted in their data breach. That is just Equifax. Transunion and Experian will also profit from Equifax 's poor cybersecurity and stand to each make {$1.00} XXXX, too. How in any world is that right for at the very least Equifax to profit by charging a credit freeze fee for their mistake? My wife and I will have to dole out {$60.00} to put freezes with each credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Mortgage (Conventional home mortgage) with PNC Bank N.A. (TX).
Issue: Trouble during payment process

Complaint: Hello : Our family owns a home in XXXX, NM and our loan currently has PMI. We have paid down the principal and are now at 78 % XXXX. 

PNC services our loan. After we reached out, PNC sent us a letter saying that we are required to pay them XXXX XXXX which PNC owns jointly with XXXX )  {$590.00} for a XXXX Single Family appraisal because the loan investor requires proof that the property has not declined in value. 

What we would like to confirm is whether we actually need the appraisal. Per your efforts with XXXX XXXX, we read on your site/ comments that " Servicers must end a borrower 's requirement to pay PMI when the principal balance of the mortgage reaches 78 % of the property 's original value. '' We could be missing something but since we have it in writing that we have a XXXX of 78 % this would imply that PNC is responsible for ending our requirement to pay PMI. Again, we know our understanding of the subject is elementary. 

The process of removing PMI seems unbelievably heavy on a customer. We can not even imagine how much money is drained from our economy each year as a result. What bothers us more is that banks/ servicers turn a solid profit either way by setting up a toll booth which forces borrowers to pay them/ their subsidiaries large high-margin appraisal payments. Luckily, our family can afford this ( it will be tough to stomach and actually pay but we can if we have to thankfully ). Our fear is that for many who are arriving at this step ( hopefully they are even aware ), the appraisal price tag at 78 % could be a massive barrier to removing a large needless expense from their monthly budget. 

Again, we understand we could be missing some things but if you have any guidance for us it would be very much appreciated. Please let us know if you have any questions. Thanks in advance for your time and all you do and stand for at the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Debt collection (Medical debt) with Bull City Financial Solutions, Inc (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I originally contacted   XXXX   XXXX   @  XXXX   XXXX  about the bill when I first received the bill around  XXXX   XXXX  and advised her that I went in for an   XXXX   XXXX   XXXX   on  XXXX / XXXX / XXXX  and rep stated she had to research the codes she called me back and stated coders stated the codes were right and gave me a  XXXX  NC address to mail a complaint. I mailed the complaint and never got a response until I received a collection letter fro m Bull City and I sent them a letter about insurance not being filed and disputed charges. The next notification I received was the charges on my credit report. I 've attached proof of insurance coverage. I resubmitted validation again to Bull City ba ck in  XXXX   XXXX  and they sent my a privacy notice I signed back on  XXXX / XXXX / XXXX  which I acknowledge and my insurance paid for that date no information for  XXXX / XXXX / XXXX . Information of my dates of services with  XXXX  codes are listed on the forms that was sent to me b y Bull City which violates HIPPA and there  was n't any insurance billed for  XXXX   XXXX ,  XXXX  request again On  XXXX   XXXX ,  XXXX  I went in for an   XXXX   XXXX   which is covered 100 % by my insurance. I would never go to a physician to pay full price for a visit and not have insurance billed.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There is a collection on my account for  XXXX  that was opened  XXXX     2016 and  closed  XXXX     2016  in my name. I called  XXXX  directly because I have never been a customer or client of  XXXX  my entire life. They have on their records cable billing services for a period of 3 months. I never authorized anything, I never signed anything, they dont even have a correct service address connected to me!     Where I live currently is where I have lives since  XXXX     2016!   XXXX  cable is not even available at my residence. I have provided proof of my current lease with dates and asked them to source the service address, they can can not. I have disputed it with the credit bureau as well asking for some sort of paperwork or something connecting this account to me, they have provided nothing but a late payment report!     There is no address even listed! It would be impossible because I have never lived anywhere else within those service dates, nor do I have family member or friends who do!     I have placed a fraud alert on my account to keep it from happening again. This apparently common. I am  XXXX   XXXX   XXXX  and these kinds of things can hurt my clearance and currently hindering my credit from home buying.  XXXX  nor the credit repair companies have been able to provide or show where I am related to this address connected to the service account. There is a bill in the amount of  XXXX ! It is reporting as a collection! I have never received a call or anything in the mail about the account!     I have attached my  apt lease that shows th e date I moved in!   I provided my light bill with my current address for the dates that cover the time  XXXX  is saying I occupied another property.   I provided my rental insurance for my current home to show proof I am actually living and responsible for the address listed.      XXXX  cable/wifi/internet service is not even available in my area. I use a company called   XXXX   XXXX  . They own right to this location Please help me understand exactly how can they not properly investigate and get the  CORRECT informatio n from this company and allow the reporting of it falsely on my account.     Thank you so much!!

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 12-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with R.A.Rogers, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: My ex-wife and I had an account in which she was supposed to be responsible for paying the account. She has since denied any responsibility for this account and it went to collections. The collections company is utilizing very ambiguous and questionable business practices by frequently increasing and changing the amount due. The original debt owed to XXXX XXXX XXXX XXXX was {$19000.00}, as reported on my XXXX/XXXX/2015 XXXX credit report. At Within the past THREE months the balance has been reported to all XXXX credit bureaus at a higher and different amounts. I am very aware that XXXX XXXX has already written off this balance as bad debt, and this company is trying to get more money while seriously damaging my credit. They even put on my credit report negative comments like " debtor has now been located ''. I had previously called and they had my address so the implication that I was missing is slanderous because it is affecting my good credit history. 
I have made multiple attempts to resolve the issue I have asked them for documentation of how and why the balance increased from {$19000.00} on XXXX/XXXX/15 to XXXX on XXXX/XXXX/15 to {$30000.00} on XXXX/XXXX/15! I have attached copies of the various notices in letters they 've changed demonstrating the rapid increase in the balance with no justification or as to why the balance have changed. I spoke with this company and they refused to settle, refused a payment plan, refused to explain or send a detailed invoice, they just keep sending notices with higher balances due. And each notice looks different. When I asked to speak with a manager, the woman, possibly " XXXX XXXX '' on the phone refused to get a manager for me. She was rude and very disrespectful. 
I really want to get rid of this problem. I would like to settle for 20 % of the original {$19000.00} debt due to the fact of the stress, defamation of my character by negative and fraudulent reporting to the credit bureaus, and problems working with this company have caused me. 
Thank you for any assistance you can provide me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Due to an error on their part, Navient mistakenly reported me as delinquent to the credit bureaus. On XXXX XXXX, 2016 I made a {$680.00} payment ( confirmation no. XXXX ) and applied for a forbearance. I was emailed on XXXX XXXX by Navient stating that I was past due and needed to contact them immediately. I promptly contacted Navient and " XXXX '' stated that any payment between $ XXXX {$600.00} would bring the account current. I made a {$450.00} payment at that time ( confirmation no. XXXX ). I was also told I would not be reported to the credit bureaus once this payment cleared. On XXXX XXXX, I was reported as delinquent to the credit bureaus by Navient. On XXXX XXXX I contacted Navient to clarify and made another payment of {$680.00} to attempt to cure their error. " XXXX '' processed the payment and I applied for a forbearance AGAIN ( confirmation no. XXXX ). He stated a 3 month forbearance would be applied. He advised that I contact the credit bureaus to dispute the false reporting, which I did. On XXXX XXXX, XXXX contacted me stating that Navient has refused to revise the erroneous delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: A default judgment is appearing as a collection account on XXXX, TRANSUNION, AND XXXX.It is appearing perhaps to avoid properly categorizing the account as a public record due to AGREEMENTS BETWEEN CREDIT BUREAUS AND STATES ATTORNEYS GENERAL enacted within recent years.In addition.the date of 1st delinquency has been re-aged.THE DOFD coincides with the date of judgment entered ( ATTACHED COURT RECORD ) which would be impossible considering the nature of the debt, ie : back rent and holdover.The debt was many months prior to the stated DOFD.ALL THREE BUREAUS after numerous disputes permit a false re-aged date of 1st delinquency and permit a miscategorization of debt, and allow these inaccuracies to fly in the face of their ATTORNEYS GENERAL AGREEMENT CREATING A LOOPHOLE FOR ACCURACY DEMANDED BY THE FCRA.The disputed account is XXXX, XXXX, XXXX XXXX acct. no. 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 02/17/2018 about Debt collection (Private student loan debt) with Eastern Revenue, Inc (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I applied for a mortgage loan on XX/XX/2018, and was informed that there was a $ 9000+ collection account on my credit report. 

Later on XX/XX/2018, I informed XXXX, XXXX, and XXXX that they should have Eastern Revenue Inc report the account as a charge off as I have never did any business with this company, received any letters, or phone calls, nor had I ever heard of them when I saw and heard about the information on my credit report. 

I also asked each of the above credit bureaus to have Eastern Revenue Inc., at the very least report the original balance ( {$6500.00} ) as due because they are trying to charge more ( {$9300.00} ) than the original balance that has already been charged off by XXXX XXXX XXXX. 


Note : online disputes XX/XX/18 ( XXXX and XXXX ) ; XXXX  spoke with live customer service representative

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 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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: My credit Report from Experian is showing my XXXX XXXX Credit Card account back on XXXX of 2013. I have submitted several disputes to Experian and they answer account was verified and remains unchanged like saying no update necessary. So i decided to dispute the error directly with the Creditor and when they respond me back all they say is that they can not verify any information over 24 months back. So my question is this. If the Original Creditor can not verify that information how is it possible that Experian verify it and then send me the respond of my dispute saying that no update is necessary because the account was verified. That is unacceptable for either parties.

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 03/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX has inaccurately reflected negative information on my credit score which has corrupted reputation with potential landowners leasing property, and employment chances were nulled as a result of providing impermissible information about me according to the FAIR CREDIT REPORTING ACT.

FURTHERMORE, has charged to reveal my credit score information to myself which again violates the FAIR CREDIT REPORTING ACT.

CONSEQUENTLY, I have contacted and filed a complaint with them in the past year demanding that they correct, delete, and/or remove the erroneous information on file. subsequently after being charged a fee which was never reimbursed and has violated the FAIR CREDIT REPORTING ACT.

REPORTING agencies mustn't disseminate erroneous or outdated negative information which is a complete violation of the FAIR CREDIT REPORTING ACT.

XXXX XXXX is not allowed to send my information to any employer nor any entity without my written consent clearly indicating that it is permissible, and in doing so is a direct VIOLATION of the FAIR CREDIT REPORTING ACT. 

AS a consequence of these blatant VIOLATIONS the undersigned has experienced an extremely poor score and must be corrected immediately. 

In truth, ( E.R ) 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 explanation
Consumer complaint received 07/13/2015 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (OH).
Issue: Loan modification,collection,foreclosure

Complaint: We carried a mortgage with another company and then found out that our mortgage had been sold to a company called Freedom Mortgage. We hit hard times when my husband lost his job after XXXX years. We went to our mortgage company and tried to modify our loan until we could get back on our feet, sent us paperwork to fill out and send back in which we did with our documents, we faxed them continuously and we mailed them, each time they told us they never received our documents. We in return resent documents time and time again and with no fail was told they did not receive them. We then had to go through mediations and worked with a lady named XXXX and explained to her what was going on, she also faxed the documents to the company and once again they said they did not receive them. Now we have to go through loss medigations because our home was being foreclosed on. We went to Save the Dream for help and sent in paperwork and was told that they could not help us because we were in foreclosure, this was XX/XX/XXXX, come to find out that they said we did not submit documents to them either. After doing some research I discovered that Freedom Mortgage was a preditory lending company with XXXX XXXX attached to them of course this was after my home, my family home that my parents had built XX/XX/XXXX had been foreclosed on and sold in a sheriffs sell. I feel as though we were set up for failure from the very begining of trying to save our home, we tried to get help in every way we knew how to. Freedom Mortgage never had any intentions in working with us to save our home. We fought with everything we had to save our home just to have it taken away from us. I am XXXX and had told them that and it still did not matter to them. No one should have to go through this even though there are so many families out there that are loosing there homes to companies such as this. We even had to file bankruptcy to stop foreclosure to work on getting help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with CAPITAL ONE FINANCIAL CORPORATION (CO).
Issue: Application, originator, mortgage broker

Complaint: Capital one approved a pre-authorization of a loan, had to pay {$400.00} for appraisal, this has been done twice once XX/XX/XXXX, and XX/XX/XXXX. Both times refinancing seemed duable, only to find out I got denied again by capital one. They did n't approve a modification nor a refinance. I do not not where to go from here being that my note was sold to capital one from a lender that was predatory.

Company response to consumer: Closed with explanation