milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WORLD ACCEPTANCE CORPORATION (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX,2017, I mailed out a letter stating that I did not authorize credit from your company. I would like for you to prove to me that I was the person requesting credit from your company.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2016 about Mortgage (Conventional fixed mortgage) with VIP Mortgage Inc. (TX).
Issue: Application, originator, mortgage broker

Complaint: XX/XX/XXXX To Whom It May Concern, I would like to report a fault loan on my loan officer XXXX XXXX. VIP Mortgage INC. 

I was unemployed on XX/XX/XXXX. The house I wanted to purchase is located at XXXX XXXX XXXX XXXX, TX XXXX with the price at {$140000.00}. I asked XXXX XXXX if I could purchase a house with 10 % down while I am unemployed. XXXX XXXX XXXX looked through all of my income tax XX/XX/XXXX & XX/XX/XXXX and he said yes. He sent me an approved loan letter with qualify amount of {$150000.00}. I signed a XXXX XXXX Sell and was supposed to close the house on XX/XX/XXXX with the price of {$140000.00}. During the whole time of waiting for the loans to get approved, I kept follow up with XXXX XXXX regarding my loans status. He reassured me that I was qualified to buy this house. 
When it times to close on XXXX XXXX he said my debt ratio was too high. He wanted me to sign another amendment extension to XX/XX/XXXX. He told me if I can have another person cosign with XXXX % down then for sure I will get the house. I asked my sister for help. I came up with XXXX % down ( {$21000.00} ) with my sister cosign. By XX/XX/XXXX he said the under writer did n't approved the loan because my debt ratio is too high. By then, I have passed the dead line of 25 days from XX/XX/XXXX contract signed. 

On XX/XX/XXXX I have to signed away my {$1400.00} for Earnest Money to the seller because my loan was disqualify and my contract was over 25 days limit. I am very upset because I lost my {$1400.00} Earnest money and {$610.00} for the appraisal. Total I spent was {$2000.00}. As a professional loan officer, XXXX XXXX should acknowledge that if a client has a high debt ratio and unemployment at the same time then he should let his client know upfront. I was misleading by XXXX XXXX. I want to hold him and his VIP Mortgage Inc. an accountable for {$2000.00} that I lost. I want XXXX XXXX and his mortgage company to refund me the {$2000.00}. 
I need that money to support my family while I am unemployment Would you help me to get refund my money. 
XXXX XXXX works as independent broker. 

XXXX XXXX - buyer XXXX XXXX XXXX . 
XXXX, TX XXXX VIP MORTGAGE INC. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Loan Originator Identifier XXXX VIP Mortgage Inc. 
Loan Origination Company Identifier XXXX ( P ) XXXX ( F ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Debt collection (Credit card) with JH Portfolio Debt Equities, LLC (IL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I was called by a representative of JH Port Debt ( XXXX ) XXXX, who refused to give his name. He threatened to bring a law suit against me for a long past debt from XXXX, that is almost 7 years old. The debt is from Maryland which has a 3 year statute of limitations. When I informed him of this, he said first that Maryland has a 5 yr statute ( which was a lie ) and claimed that my debt was only XXXX years old. He then claimed that Maryland has a 7 year statute ( which is also a lie ). 

He claimed that no matter what, they would be filing a lawsuit in Maryland for debt collection. This has not yet happened. 

When I pointed out the law to him, and also pointed out that the debt had been settled in my opinion from a past agreement with XXXX, he threatened to call my current employer and inform them that I owe a debt. 

In retaliation they added a debt collection notice on my credit report on XX/XX/2017. They listed debt as 2 years, 4 months old ( a lie ) when it is actually almost 7 years old.

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 09/21/2017 about Mortgage (FHA mortgage) with SUNTRUST BANKS, INC. (NV).
Issue: Trouble during payment process

Complaint: I am making a complaint against Suntrust Mortgage XXXX XXXX XXXX, XXXX VA XXXX In reference to Loan No : XXXX. The basis of my complaint is that on or about XX/XX/XXXX I was advised in writing by Suntrust that my escrow impound would increase {$630.00} per year or {$52.00} per month based on a projected escrow shortage On XX/XX/XXXX, I received some correspondence from XXXX XXXX which caused me to discover that there there would in fact be no escrow shortage as I had been paying on two Homeowners Policies in error when the new escrow was caluclated in XX/XX/XXXX. Thereafter I immediately began to obtain a reanalysis of the escrow impound from Suntrust on XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX over the course of four lengthy conversations. Some of Suntrust 's telephone reps could not understand the issue. One explained that I should get a refund from XXXX and send the money back to Suntrust, who thereafter would send the money to me. I simply want a lawful escrow impound on any future payment. Hopefully beginning XX/XX/XXXX. I was told by the last rep of Suntrust but for the double insurance coverage my XXXX would be approx {$750.00}, which was almost exactly what I was paying ante the inaccurate and unlawful escrow analysis. 
These are the facts. I assumed the loan from my parents XXXX and XXXX XXXX in XX/XX/XXXX, after making the payments myself from the inception of the loan in XX/XX/XXXX. In XX/XX/XXXX Suntrust collected {$860.00} ( {$7200.00} prorated monthly ) from XXXX Policy Number XXXX. As part of the assumption process Suntrust required that I obtain homeowners insurance in my name which I did through XXXX Policy number XXXX effective XX/XX/XXXX at XXXX XXXX  yearly ( prorated {$86.00} per month ). XXXX never cancelled the aforementioned policy XXXX, thus from XX/XX/XXXX until the XX/XX/XXXX policy was cancelled on XX/XX/XXXX according to Suntrust 's records I was paying two insurance policies from XXXX on the same policies which is both unlawful and legally impossible. The failure to cancel policy number XXXX caused Suntrust to blindly analyze that their would be a monthly {$52.00} escrow shortage. Suntrust acting in a manner contrary to law, decency, and common sense absolutely refuses to re-analyze the incorrect escrow impound. They have adopted the unlawful and anti-consumer position that I must send them any refund that I received from XXXX for double billing from XX/XX/XXXX until the first policy was cancelled on XX/XX/XXXX oe in spite of my explaining their mistake they would not re-analyze their escrow calculation. i am being treated unlawfully and bullied by Suntrust for reasons beyond my understanding

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 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax leaked my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Account opening, closing, or management

Complaint: I opened an account with Bank of America shortly after my XXXX birthday in 2012. A check was given to me and was deposited into my checking account. Days later I realized that my account was overdrawn due to the check being returned. I immediately paid the fee and covered the deposit with my account. A week later I received a letter from bank of America informing me that my account was being closed due to fraud. I never committed an act of fraud. Bank of America has reported me to credit and consumer bureaus for fraud. This has resulted in adverse harmful action against me from the financial world. I CAN NOT open a account with any financial institution. I have tried to resolve the issue with bank of America for the past XXXX years unsuccessfully. I attempted to resolve the issue with XXXX and XXXX directly but they report that Bank of America is standing by the fraud claim with no evidence to substantiate the claim.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/19/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (MN).
Issue: Deposits and withdrawals

Complaint: When depositing a pay check through Wells Fargo mobile app, the deposit has always been available immediately. When using the service today, I get an email after the fact stating that the funds were not going to be available until tomorrow - leaving me with an overdraft on my account, and NO money for groceries today. I tried calling Wells Fargo at their helpline ( XXXX ) to ask if it could be reversed so that I could take the check to the bank and cash it there. They said that that was impossible. It should also be noted that my paycheck is also issued from a Wells Fargo account. When I talked to them - they said that in the terms and conditions ( many pages of fine print ) they state that some times they require overnight processing. I find this ridiculous since it is from Wells Fargo to Wells Fargo. I had been given that warning in the App, I would have walked to the bank and cashed it there and I would have had cash in hand. The check was for {$2500.00} - which is within the limits permitted in the App. I have confirmed with my employer that the funds went out of their account immediately - so this is simply a ploy by Wells Fargo to earn interest on my money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/17/2017 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Fraudulent accounts/Identity theft- XXXX XXXX-XX/XX/XXXX XXXX- XX/XX/XXXX Fraudulent inquiries-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 10/25/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (OR).
Issue: Trouble during payment process

Complaint: Have right to prepay mortgage - each time I 've prepaid, mortage payment is not allocated to correct accounts ( eg mimum payment vs. additional principle ). Most recently, although paid ahead two ( 2 ) months, received a notice saying that 'there are unapplied funds ' that they did not know where to place. As each payment has been accompanied by a payment stub that outlines where funds should be applied ( still pay by check ) I 'm confused as to why this continues to happen. Given that they are now holding out funds vs. applying to principle ( as outlined in my payment stub included ) technically means they are earning interest off of the principle amount NOT reduced by this amount of funding/payment being made. Name of mortage company is now Mr. Cooper (  previously, XXXX XXXX XXXX ). They are also stating that there is a 6mo prepayment heirarchy - this is the second item I want to dispute as there should be no cap to number of months that I should, contractually, be able to pay for whatever period in advanced as it is a 'no prepayment penalty ' mortage they are servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This company allowed someone to open several store cards in my name and every month I receive a notification saying im late on my credit report. I had no knowledge of this account until I checked my credit. I called them and they have n't resolved it yet. I also mailed a letter to credit bureau and the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: HSBC REPORTING THE SAME MORTGAGE TWICE, ONE UNDER HSBC T HE OTHER UNDER MORT GAGE SERVICE CENTER. IT LOOKS LIKE I HAVE TWO PAYMENTS DUE PER MONTH FOR {$2800.00} WHEN ITS ONLY ONE.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Debt collection (Other debt) with Convergent Resources, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I contacted the company ( Convergent ) to have the debt validated. I am unaware of this debt. They sent a bill with an unknown phone number listed. There is no proof that this debt belongs to 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 explanation
Consumer complaint received 04/14/2016 about Credit card () with DISCOVER BANK (MI).
Issue: Delinquent account

Complaint: I had a credit card with Discover then they cancelled it. Acct no. XXXX was wondering what happened. Then I recieved a letter from Office of Personnel Management that my Identity had been breached, I have tried to contact them directly and through the Credit Bureau, But they say I owe some XXXX .... This is redicoulous

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Called in to customer svc to make XX/XX/XXXX payment as I was out of country and had limited access to internet and gave payment information to associate. I did not think anything of it and thought they everything was good. I am just now seeing that the company has posted a 30 day late payment on my credit record. I called to discuss with company but they indicated I need a record. How would I have a record if I called in. They are indicating that they have no record of me calling in to make the payment, but I know I called in. I have never been late on this account and account balance is currently {$0.00} on the card.

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 10-11-2017 about Credit card or prepaid card (Gift card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint: hi my name is XXXX XXXX XXXX, I 'm writeing requiring assistance regarding the relevance of my American Express Serve refillable debit card-gift card ... ..aswell in accordance with the XXXX XXXX XXXX XXXX.program. i was offered the opportunity from a operator in a American express Serve card, discrepiancy -XXXX/call. from there within being told i would be able to attain for a fee of XXXX  dollars..not only in relevance of a lost or stolen card ... but when i agree i would be able to add a second card even if prepaid and i still would be able to have the opportunity to refferiance if not or never memorized the card or account number, .. to both by route of the American Express Served card , weather over seas  as well as refferiancible international ... with the ability to obtain with only or initially just providing my social security, ..address ... .birthdate, .aswell as the purchase date and following transactions from purchase about five transactions ... my problem is i ca n't get the right office with the XXXX XXXX XXXX ( program ) - ..i got a bunch of different numbers one was XXXX ... but none would help they just keep redirecting me.. i need my money urgently so I 'm sending this .... i even upon purchase inquired if Serve card relevance within the nesicety to contact you guys at the XXXX ... would provide immediate clarity with what i need ... from there/here i need my account number or card number as soon as possible I 'm unable to access my funds an their would be $ XXXX-and change on the card/in the account.. for the original gift card swell as there would be $ XXXX- dollars in the Serve card account/or serve card ... from there i have a bit i have to pay tomorrow early i would like you to speak to them they usually work pretty quickly the last occurrance i believe i needed a confirmation number or an refferiance number hubby if you work with haste i would be able to fulfill my obligation with no further sacrificing ACTS! ill also file an accessibility complaint with you guys refferencibly XXXX XXXX XXXX, from there associating XXXX XXXX XXXX the Section Chief ordinet, information and policy ... aswell as XXXX XXXX the decisions analyst ... to gain some alacrity ... ..but initially please help as-soon as possible i believe only a phone call I 'm just without the direct number -depatrtment relevance is severe ... pleas prior to the XXXX of XX/XX/XXXX..XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with First Credit Services Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I use to have a contract with XXXX in XXXX NJ and my sister in law too because I was married with her brother we finish having the same last name and the first name. We used to live in the same address but different apartment number. i do n't remember if it was a one or two years contract. I wait until finish and I give the manager of the club the letter that they ask for saying that I do n't want to renovate my contract with them and he make all the changes but my sister in law did n't she just decide to close the account she was using to paid her membership and from the XXXX of us I 'm the only one who has a social security number.When they call me I tried to explain everything to them but they guy on the phone keep telling me that I have to paid that money when he finally decide to listen to me he actually confirm that it was not me because the date of birth that they have in the sistem is not mine. But they call me again telling me the same thing I explain everything to them again and I told them that they are using my social security number to put me on collection for an account that does n't belong to me and I give them my sister in law phone number so they can contact her. But they never solve the problem and they keep me in collection for something that I do n't owe. I need help because This collection is affecting my credit score and I 'm not gon na paid for something that I do n't owe.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: SLS Select loan servicing used erroneous income for my loan modification. It 's been over XXXX years since they have had my file and I believe they just rolled the dice, picked a number out of a hat and walla! a loan mod that reflects an income of over XXXX dollars. I do not make XXXX dollars a month and never have! I am appalled at their conduct and request a thorough investigation on their sloppy underwriting and mis handling of my file. There is a sale date set for XXXX XXXX 2015 and I am very worried in that, they way they underwrite/ handle files, will cause me to lose my home.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Debt collection (Medical) with Lansing Professional Business Bureau,Inc (MI).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I was never told directly about this bill that I " owe, '' but instead I found out about the bill when I accessed my credit report. I contacted the Lansing Professional Business Bureau, which is what was indicated on my credit report and they told me that it was " too late '' to send them my XXXX insurance. I have XXXX insurances for this exact reason! When I initially when to the hospital they only took the XXXX insurance card although I handed them XXXX. Then when I call to still give them my secondary insurance, they told me that I could no longer submit it because it was sent to collections. I am never supposed to pay {$500.00} out of pocket for medical bills with both insurances working together. I would like to dispute this medical bill because 1 ) I was never directly informed of the bill 2 ) they informed a debt collector before informing me 3 ) they told me that I could not submit my insurance again, even though I submitted it to them in the first place 4 ) I disputed the medical bill and they did not reach me within the 30 days 5 ) I have called and called and each time I was informed that " nobody could do anything for me. ''

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