milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/13/2017 about Mortgage (Conventional fixed mortgage) with loanDepot.com, LLC (IL).
Issue: Application, originator, mortgage broker

Complaint: I saw an ad and inquired about lowering my mortgage loan interest. I clicked to a website and entered my phone number. I received a call back immediately from a " banker '' representing Loan Depot. During the informational phone call, the employee looked up the neighborhood and stated the values were lower than I was stating my home value should be. He checked a few other sites and found a variety of values. He talked me in to going ahead with the appraisal. I would not give approval until I spoke with my husband. I did call back and asked specifically what would happen if the values came in too low. He insisted they work with plenty of lenders and could find a program. To entice me more, they dropped the cost of the appraisal from {$420.00} to {$300.00}. The appraisal was done, on my dime, and came in {$25000.00} lower than a previous appraisal from 8 years ago. I was stunned. The company is now trying to get us to pay them {$20000.00} down to cover the equity and continue the loan. I am demanding from them my appraisal cost back on these grounds : They are the industry experts, when they pulled up a neighborhood whose prices were in turmoil I feel they should have strongly advised against trying a refi at that time ; also-they hid the fact that this FHA loan required certain home features which would have been an issue even had the value come in as hoped ; finally, I feel they are a predatory lender who will do anything to charge the thousands of dollars they collect for providing the service. They even reduced the amount they would charge me by approximately {$1500.00} when I kept questioning them and being resistant to the extra fees and charges. As a homeowner, I would have no way of knowing my exact value. As I stated before, they are in the industry and should better understand the process. With housing in the state it is, homeowners should not be pushed in to paying for an appraisal which is really just a gamble for the bank to make a few extra bucks to file paperwork. I would have NEVER taken this gamble, I would have been better served being told the truth. I should have been told to wait until the area stabilized and had recent sales. Telling me they can still do a loan at the original terms, but only if I come up with an additional {$20000.00} for equity, is an example of an over-promise and under deliver. I was duped by Loan Depot, and feel this company exemplifies the predatory lending label. They will do anything to try to make their few grand a customer. As I write this, I am waiting for the manager to return my two unanswered phone messages where I stated these exact complaints to her and demanded they return my appraisal fees. They had no problem calling me 5 times a day to get my financial paperwork in, but have gone 2 days and 2 messages without a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Checking or savings account (Checking account) with HUNTINGTON NATIONAL BANK, THE (WV).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I recently applied for personal loans online due to financial hardship. I was contacted by someone saying they worked with XXXX XXXX XXXX and approved for a loan of {$2100.00}. Turns out the check was fraudulent and written on a check with your name. My bank suggested I reach out to you. Please call me at you earliest convience.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: i was charged on my credit card by a XXXX for a XXXX i did not want or was informed about, i put the charge in dispute with capital one and thye did nothing to help it i was also injured by the XXXX and had to seek medical care i disputed the charge and they found in the XXXX s favor even though i sent them a mountain of evidence that the XXXX is a a thief

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Keith D. Weiner & Associates Co., L.P.A. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a judgment on my credit report with XXXX, XXXX, and XXXX. I made monthly payments and now The debt is paid off in full. But the judgement is still showing on my XXXX credit reports. The debt collector failed to report that the debt is now paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (KY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: This is I believe the second request to remove all non-account inquiries over 30 days old as I did not initiate these inquiries. This company is required by law, according to [ 15 U.S.C. Section 1681b ] Section 604 ( c ) to remove all inquiries that I did not initiate. What valid proof does the creditors/companies have for the inquiries on my credit report to be, according to them, " a factual record of file access '' when I have no account/contract with them? Non-account holding inquiries and unvalidated inquiries that remain on my credit report that they failed to with maximum accuracy to validate and verify shall be remedied by enforcing my rights under the FCRA. The following inquiries need to be removed from my credit report immediately. 

Creditor Name Date of Inquiry XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 01-05-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Capital One is in violation of the Fair Credit Reporting Act because they are reporting inaccurate information on my credit report that they said they verified as accurate after my first CFPB complaint, no XXXX. On XX/XX/XXXX, XXXX XXXX said that he verified my credit report was being reported as 30 days past due for XX/XX/XXXX. Well I just looked at my credit report again and it shows that I was 30 days past due in XX/XX/XXXX on XXXX and 30 days past due in XX/XX/XXXX. And XXXX is n't even reporting the account. I know for a fact that I was not late in XX/XX/XXXX and XXXX XXXX even confirmed that I was late in XX/XX/XXXX and said he could n't modify the late payment. Well now that inaccurate information is being reported after you verified it as accurate, I am entitled to {$1000.00} per the Fair Credit Reporting Act and even more if I were to hire an FCRA attorney to help me. Now the last thing I want to do is keep dragging this out any more than we have to. Clearly when I made my payment I was not aware that it was returned and made my payment right away. But the fact that you are reporting me late in two months is not right. I attached a copy of my credit report which shows how Capital One is being reported so you can see I am not lying.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Trans Union reports that I lived at XXXX XXXX XXXX XXXX XXXX, Indiana XXXX ; I have never lived at that address! I also suspect that my brother XXXX ( XXXX ) XXXX lived at that address.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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: XXXX, XXXX, EXPERIAN ALL HAVE HAD THE PAPERS THAT SHOW ALL DEBT HAS BEEN PAID BUT IT IS STILL LISTED AS IN COLLECTIONS, IT SHOULD STATE THAT THE ACCOUNT HAS BEEN PAID IN FULL!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-03-2016 about Debt collection (I do not know) with ECMC Group, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: These folks filed a garnishment on my wages. But, when I called to make arrangements before the first garnishment payment came out I was told they would stop the garnishment. They did not. When making the arrangements and signing documents I asked if I could print and fax the papers, so I had time to read them. I was told they could not have time to stop the garnishment if I did n't sign right now. I was told where to sign while an agent was on the phone with me on hold. I told them I needed to go but they insisted I sign all the papers or they could stop the garnishment. I signed the papers so I would not miss the opportunity to get the garnishment stopped. The following Friday my paycheck was short XXXX. I called them and asked what happened? They denied telling me the garnishment would stop. I was then told the garnishment would stop after XXXX on time payments. So I said you are taking 5 months of XXXX garnishment and my XXXX payments? they said yes. They said we will send a modification to reduce you garnishment to 5 %. They did not. I would not be near as upset about any of this until I got the documents detailing my arrangements request for additional documentation. They are charging me {$13000.00} on a {$10000.00} dollar loan. After 5 month of garnishment i will have only paid the their collection fees. And on top of that I have to send in more documentation before the arrangement is valid. They were calling XXXX5 times a day, weekends, and holidays. Making me crazy. They began calling my ex-husband and my daughter. I just do n't understand how they can garnish me and take payments at the same time and I am paying 30 % in collection fees on a Federal student loan.

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 12/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (MS).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: I wrote to Wells Fargo a few months ago describing my family 's financial hardship. I asked if there was a way for them to reduce the amount I owe ( I 've had the card for 14 years ) where I could afford to make the payments. No reply no anything. I have tried working with them, but my pleas has gone unanswered. We have a son who is XXXX and to keep him where he needs to be mentally, we can not afford the payments and the high interest rate that continues to climb. I 've asked for help, but apparently my plea has fallen on deaf ears. I do n't want the entire balance erased as I could do that through Bankruptcy. But I do not wish to file Bankruptcy, I want to keep my card, but lower the amount owed and the interest to a reasonable amount, which will allow me to pay my bills and take care of my son.

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 08-10-2016 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (TX).
Issue: Managing the loan or lease

Complaint: I receieved a notification from my cred report about an increase in my auto loan. However, i paid ahead on my account for several months. I paid all my late fees off over s period of time. Now, Chase is saying I owe XXXX in fees. I have n't had a fee on my account for at least 8 months. Additionally, I been paying XXXX dollars extra monthly to take care of any out mstanding fee. I tried to call chase about the matter the representative on the phone tried to give me an excuse saying sometime they forget to put it on there. I explained to him I did n't believe that statement. Any other time it 's placed on the account 10 days after its due.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Credit reporting () with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I am in bankruptcy since XX/XX/2015. I have been utilizing XXXX to monitor my credit and score since then. With this week 's XXXX update my scores ( XXXX and XXXX ) were finally high enough to pursue a business opportunity. The company I was working with pulled a hard credit report through XXXX and much to my dismay one of my scores ( XXXX ) was no where near what XXXX had reported, the second score ( XXXX ) was nearly the same and the third score was super low ( EXPERIAN ). All three reporting various negative information post bankruptcy petition filing. Also as part of being in bankruptcy we should be offered all bankruptcy protections including the automatic stay which prevents negative credit information from being reported from the time of bankruptcy filing, i.e. XX/XX/2015. XXXX ( XXXX, XXXX, and experian ) had three different accounts reporting both being included in bankruptcy and reporting late payments post petition filing. These reporting of late payments are illegal, as well as hitting my credit score two times each. Once for being in bankruptcy and another for being late thus killing my credit score.

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 03/29/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: There is a bankruptcy on my transunion credit report in which transunion indicates they pulled the information from a 3rd party reporting agency. The courts have verified with me that they Do Not report to credit bureaus and therefore this item must be deleted from my 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 02-06-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (MI).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I had borrowed sufficient funds to pay off the credit cards I had open with American Express. I contacted the company thru the customer service line. I spoke to the representative on XX/XX/2018, and determined that from his statements, and the billing statement that I had received, that the payoff total for the card was {$13000.00}. That total was paid to the company, that day, using my bank transaction routing, and I paid additional charge of {$9.00} to verify it was sent that day. This was due to the next day being the due date. A week later, I received another invoice from American Express, indicating I still owe XXXX. I reached out to the customer service line, again, and this time was basically told it was consistent with company policy to charge me interest, even though it was paid off. I am currently refusing to pay that amount, as I had already paid off the card a week previous, and on time previous to the next billing cycle.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgage company to shell point mortgage in the last two months they raised our payment which is a XXXX fixed. From XXXX to XXXX. All they do is is call and want my payment and canr tell me what this amazing outrageous new payment of XXXX is for all they tell me is escrow with no explanation. There are other issues it is a mess please help XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Checking or savings account (Other banking product or service) with Coinbase, Inc. (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I have an account with coinbase, com from earlier this year ( 2017 ) I have been buying and selling cryptocurrency through their site until recently when i tried to buy bitcoin ( BTC ) through my bank account which had too few funds in it which was a mistake i made. 
Since then i see that when i log into the account my account is set to restricted access and can not buy or sell. Effectively freezing my money deposited in there. 
I have tried to email support, and call the number for help and so far had no reply by either methods. There is now no way I can access them and unfreeze the account. 
I did get through their phone system once - earlier today, and hit '2 ' for a call back. I was called back ( the mans voice was the same as the voice on their 'Please hold ' message. He asked me to hold the line, and the line went dead. He never called me back. Since then I have tried repeatedly to call to no avail. 
Please help. 
I have etherium ( ETH ) coins purchased ( currently valued at around {$4000.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (KS).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I am enrolled in automatic payments so that I can avoid late charges on my account. During a special low APR period I chose to make the minimum payment on my card because there would be no interest. Now that the trial APR period is over, I wish to make payments in a higher amount than the minimum, but not the entire balance. The online auto payment only gives the  two o ptions : minimum payment and full balance. I feel this is unfair to the consumer, encouraging the minimum payments on the credit card, costing the consumer the maximum amount. I have many accounts that allow a different amount than the minimum or entire balance. I calculate how many billing cycles will be needed to pay the balance and figure the monthly payment. They refused to change the online option and I was told this was standard for all their credit cards. I told them I would be filing a complaint with consumer finance. I feel this is set up for them to make more money and they could easily make this change for their online customers. Auto pay has saved my credit because I am never late on payments. However I also have good credit because I never make minimum payments on high interest credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I wrote to TransUnion in XX/XX/XXXX to dispute an item on my credit report related to XXXX XXXX. I specifically asked them to investigate because the item appears inaccurate. They continued to report the item without sending me validation. I have followed up in XX/XX/XXXX and they still have not validated or removed the item. I provided information to them that shows the item is reported in duplicate. The collection agency has dropped the item from the report, but the original creditor is still reporting an item that is no longer theirs. It affects my creditworthiness because it makes the item appear as an active charge-off that has not been satisfied. In addition, TransUnion did not respond in a timely fashion. The other XXXX credit bureaus, XXXX and XXXX have removed the item.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There is a credit inquiry on my XXXX report that I have never seen and did not approve. 
XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
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: ADVANCED COLLECTION BUR Reporting Debt owed, but " No Contract '' with them.

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 08/15/2016 about Debt collection (I do not know) with Performant Financial Corporation (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Harassing Calls at Work The caller should have been aware of the violation at the outset as the office is a regulated financial institution with a regular receptionist. Oral notice wa delivered. 
Call received on XXXX/XXXX/2016 To # XXXX From # XXXX, XXXX From Entity Diversified Collection Services

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 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: SOMEONE OPEN UP A  XXXX   XXXX  ACCOUNT USING MY SOCIAL SECURITY NUMBER AND DATE OF BIRTH BUT THEY USED THE NAME  XXXX   XXXX  WHICH IS A FEMALE  XXXX , I AM  XXXX   XXXX . I SENT POLICE REPORT TO  XXXX  AND TRANSUNION SHOWING WHERE MY IDENTITY HAD BEEN STOLEN AND THIS WAS FRAUD AS WELL. NEITHER BUREAUS HAVE REMOVED FROM MY CREDIT FILE THIS IS NOT MY DEBT.

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