milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/17/2017 about Mortgage (Conventional home mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (NJ).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Rushmore LM had offered me a trial modifcation on XXXX XXXX. I agreed to it, then withdrew and resubmitted to it. It was approved, at same time i was waiting for them to send reinstatement amount to NJ homesavers hardest hit. Then i recieved notification they recieved documents, i signed the paper work with NJ homesavers and they paid {$50000.00} to rushmoreLM. {$40000.00} for arears and legal fees, balance to reduce principal. I withdrew from the trial, it was approved by Rushmore LM, they took the funds from NJ homesavers, sent notifcation of this and modification withdraw. They never returned my {$6700.00} deposit for the trial modifcation, they said its not refundable, They kept the money. They diverted these funds illegally. The check says deposit for modifcation. If there is no modification, there is no need for the deposit not to be returned

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Credit card () with CITIBANK, N.A. (NY).
Issue: Balance transfer

Complaint: I took a 0 % interest credit card transfer from my at & t Universal Card. The interest free period was to end XXXX XXXX, XXXX. I set up auto payments to insure the entire amount transferred would be paid off before the interest free period ended. I took a separate second 2.9 % interest balance transfer that is to end XXXX XXXX, XXXX. I inquired with the company that if I did that would it interfere with paying off my 0 % transfer. They advised me if I paid the minimum payment, any amount above would go to my balance that was expiring first. I paid off more than my 0 % transferred amount before XXXX XXXX, XXXX ( I owed {$1300.00} and I paid {$2100.00} by XXXX XXXX, XXXX ). The manager today told me as per the Federal Government they pay off the higher interest first, even though I specifically designated this payment to go to the one where I would be hit with a balloon back interest payment. So rather than being charged {$35.00} for 2.9 % interest they are charging me {$1300.00} for not paying the transferred balance by XXXX XXXX, XXXX. It is ridiculous!!!

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 07/17/2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (MI).
Issue: Trouble during payment process

Complaint: Homeowners  Protection Act of 1998 states that PMI will be AUTOMATICALLY terminated upon reaching the 78 % LTV date. After repeated attempts to get CitiMortgage to drop the PMI ( never a late payment, well after the LTV 78 % date ), CitiMortgage insists on an appraisal ( at my expense ) to c ancel.

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 03-05-2017 about Debt collection (Medical) with WAKEFIELD & ASSOCIATES, INC. (NJ).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party.I have no knowledge of the debt and request it be removed from all bureaus ... it is negatively affecting 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 07/22/2016 about Credit reporting () with EARLY WARNING SERVICES, LLC (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I walked into the bank and was denied a checking account due to incorrect information on a report from early warning services. I submitted a letter to early warning services to have the negative report remove. Early Warning Services told me that they will not remove the negative inquiry, even though I provided a letter from the company stating that the reporting is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Payward Ventures Inc. dba Kraken (CA).
Issue: Other transaction problem

Complaint: My Kraken account has been '' temporarily disabled for more than 3 weeks as of XX/XX/18 i have filed 5 customer service requests and have not received an automated response with a ticket number for  escalation. I have joined XXXX and created 3 messages to Kraken at the krakensupport page under myuser name XXXX. I have received a reply from " XXXX " at kraken support but no follow up. I would like access to my account restored.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Student loan (Federal student loan servicing) with ACS Education Services (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: To be noted the issue has nothing to do with understanding lending practices therefore the reason the name of the university was not provided. 

XX/XX/XXXX I wrote to XXXX disputing the ACS account in my credit file. 

ACS did not respond within 30 days XXXX this was confirmed with XXXX on XX/XX/XXXX ) and their trade line was removed from my credit file. 

On XX/XX/XXXX I received a copy of my credit report without it being requested. I was received because 1. after 8 months ACS responded to the XXXX dispute and 2. as a result of my disputing the account via XXXX. 

To be noted : 1. ACS reported to XXXX the item was updated from our processing of your dispute in XX/XX/XXXX. I did not make a dispute with XXXX about ACS in XXXX XX/XX/XXXX, it was made inXX/XX/XXXX ( 8 months prior ). ; 2. ACS responded to the XX/XX/XXXX dispute 8 months later ( this was confirmed with XXXX at XXXX on XX/XX/XXXX ; 3. Prior to XXXX XXXX, ACS did not report to XXXX ; 4. There is no need for ACS to continue reporting, in XXXX I transferred the account to XXXX of which ACS continued to report after the account was transferred. 

I 've attached the XXXX XXXX XXXX, XXXX results summary supporting the trade line was deleted. I have my credit reports for XXXX and XXXX which also show the same and if needed I will scan them and provide.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 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: SEVERAL YEARS AGO I RESPONDED TO A PROMOTION BY PHONE CONCERNING, HIGH SPEED INTERNET WIRELESS GATEWAY. THE SALESMAN EXPLAINED THAT MY CREDIT CARD ID WAS REQUIRED FOR THEM TO SEND ADD'T INFO ON THE PRODUCT. I SHOULD HAVE KNOW BETTER, BUT THIS WAS XXXX XXXX XXXX. THIS PREDATORY PRACTICE SURPRISED ME. I PHONED IMMEDIATELY WHEN I RECEIVED A BOX OF INSTALLATION PARTS. I CALLED AND VOICED MY DISAPPROVAL OF THE METHOD OF SELLING THEIR SERVICE. I DID NOT WANT THE SYSTEM AND I TOLD THEM SO.

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 09-07-2017 about Debt collection (Other debt) with AFNI INC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: AFNI , Inc. ( XXXX XXXX XXXX XXXX ) has reported on my credit report that I owe {$250.00}. from a so called debt that I owe on a cell phone bill from XX/XX/XXXX. The date they have it as an " Open Account '' on my credit report is XX/XX/XXXX. I called XXXX XXXX XXXX back in XX/XX/XXXXwhen it was listed on my credit report and disputed that I owed them because I did n't. I paid my final bill with them when I left and moved my number and phone. ( They would n't even release my number if I had n't ). They told me that they would take care of the mistake that it was with collections. They gave me the number to the collections and I called and disputed it with them myself as well ( because I did n't trust XXXX XXXX XXXX to do it ). I was told they would research it and take care of it.
I pull up my credit report today ( XX/XX/XXXX ) and noticed that it is still on my report. I called AFNI, Inc today and spoke to XXXX XXXX employee number XXXX. He said that on XX/XX/XXXX that, " they received a message from their client XXXX XXXX XXXX that to hold off on reporting ''. ( which was pass the 30 day credit verification period and after I had called them to dispute the charges ). I asked him at that point what was the date that their client XXXX XXXX XXXX contacted AFNI and told them to move forward with reporting a collection to the credit bureau. He than stated, " well ANFI is a furnisher of credit ''. I said I never asked ANFI to furnish me with credit and the XXXX XXXX XXXX whom I did have credit with but that I do n't owe told you to hold off on reporting but you ca n't tell me a date when they contacted you to tell you to move forward with reporting. He then said that they ( AFNI ) reported to the agencies onXX/XX/XXXX. I said I do n't owe AFNI nor do I owe AFNI and you all have caused my credit score to be adversely affected by {$250.00} dollars yet have cost me probably thousands since I have had to pay higher interest rates due to this error. He said there is nothing he can due except file a dispute but I have no faith in that because he also told me that this was the first time that they have heard from me or anybody on my account and that simply is not true. I have called them complaining about this very issue before. Please help.
I have an audio recording of the entire conversation. It is too large to attach ( 27 MB ) as a file but here is the link. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Credit card () with SYNCHRONY FINANCIAL (PA).
Issue: Other

Complaint: In XXXX, XXXX, I took out a GE Bank Care Credit card, in the early morning in XXXX, PA because I could not afford a veterinarian bill to save my dog after being hit by a car. I filled out a form, and the rest was done over the phone. I never received a card, and believe I have paid this account in full. I feel like there is a lot of interest, when I was led to believe there would be no interest because it was a medical card. They said I could use it for my own medical reasons as well, and that is why there is no interest. 
Today, XXXX XXXX XXXX, I spoke with XXXX ( would not give me last name ) who is a recovery specialist, and was very rude, while I tried to get a record of my payments, and account balance. He told me that since the credit was sold to XXXX XXXX XXXX XXXX, that I had to write a letter to Synchrony bank ( who bought the Care Credit card from GE Money bank ), and they would review it, and determine if they should send me the information I have requested. I tried to get transferred to a legal department, or someone else who could help me, but he refused. He then said he would transfer me, but he did n't " have any control over where the phone call get sent. '' I was then transferred to a line that sounded like a fax machine. This person spoke with a heavy foreign accent which also made it hard to understand him. I felt like I had to repeat myself multiple times for him to understand me as well. 
I remember making a payment and being told I did n't owe any more money in XXXX, and I think it was a {$300.00} payment. 
The debt has again been given to another company by the name of XXXX, and now they are calling me. I was an XXXX member of the XXXX XXXX at the time, and have since been XXXX. I am just trying to make sure I am not getting taken advantage of, as I feel like I already have with the care credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Initially, I was advised by Navient that my payment plan qualified for XXXX. After 4 years of working for a qualifying non-profit, and paying on the student loan, I am now told that the nearly {$26000.00} in payments does not qualify. My new payment plan, an income based plan, after being transferred to XXXX was quoted CHEAPER, for a qualifying XXXX payment plan than my previous Navient plan. However, Navient initially told me an income based repayment plan would be much higher and advised me to do a standard repayment plan of 30 years - which they claimed would qualify as well.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Struggling to pay mortgage

Complaint: After 14 years of perfect payments, I missed my XX/XX/XXXX {$480.00} mortgage payment ( Taxes and Ins escrowed ) during Hurricane Irma. My city  XXXX, FL in county XXXX county was declared a federal disaster area during which I went 7 days without electric and water. I spent {$200.00} on fuel to run my generator to survive. I have been able to make all future payments. Wells Fargo home Mortgage gave me 3 months to catch up which I could n't. The now will not accept payments from me and are saying I 'm two months behind plus late fees. They have offered me short term mortgage assistance with three payments of {$60.00} starting XX/XX/XXXX. I 'm not sure how making a lesser payment will allow me to catch up. They also informed me that accepting this offer may adversely impact my credit score. I am greatly concerned I am being set up to fail so they can collect the mortgage insurance and I will loose my home of 14 years.

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 12-07-2016 about Credit reporting () with EQUIFAX, INC. (OR).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I tried to get my free annual report online tonight from Equifax. It asked me various " ID verification '' questions and said my answers did not match what was on file so they would not give me my report. Based on the mismatch, I placed a 90-day fraud alert assuming someone gave them erroneous information pretending to me. Then I tried to get my free report for placing a fraud alert. Again they would not provide it since my answers did not match their records. This is foolish of them since that is what one might suspect if someone fraudulently gave them erroneous information pretending to be me!

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Mortgage (Conventional home mortgage) with ACADEMY MORTGAGE CORPORATION (OK).
Issue: Trouble during payment process

Complaint: Purchased a home and closed on XX/XX/XXXX. Academy Mortgage was our lender. I received our first mortgage statement ( will attach image ) in late XXXX, with a due date of XX/XX/XXXX. I detached the payment coupon from the statement and mailed it to the address provided on the statement which was Academy Mortgage, XXXX XXXX XXXX XXXX, XXXX, UT XXXX. Included with the payment coupon was a personal check, number XXXX from our joint bank account, XXXX and XXXX XXXX, made out in the amount of {$3000.00}, with the account number provided on the mortgage statement, account number XXXX ( will attach images of cashed check ). The payment was mailed from our residence in Oklahoma on XX/XX/XXXX. On XXXX XXXX, I received a second statement from Academy Mortgage, now listing a different account number ( XXXX ) and a different payment address ( when I called I was told that the change was due the loan now being serviced by XXXX ). I was concerned about the change and called to inquire if this would be a problem. I was told the payment could be sent on to the correct location and it would n't be a problem. In the meantime I continued to receive statements and correspondence indicating that a payment was overdue. I have spent hours on the phone on multiple days with multiple representatives with no resolution. My bank, XXXX, has faxed images of the cashed check to XXXX XXXX XXXX XXXX XXXX as proof of payment twice, at my expense. Academy continues to deny that they have received this information from my bank. Currently, they place me on hold, tell me all their representatives are too busy, and I will receive a call back, which then does not occur. When I called this afternoon I was told that my loan has been transferred to XXXX XXXX XXXX, however XXXX is still the servicer and the payment address and account number have not changed. I still have not received a call back, my account still has not been credited for my payment, and I am now being told that this is all due to my error, even though I sent the payment to the address I was given on my first mortgage statement.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (ME).
Issue: Loan modification,collection,foreclosure

Complaint: Client wrongfully denied a XXXX HAMP loan modifcation. He was denied by PHH Mortgage because they say he did not successfully complete a previously HAMP offer. He never accepted or was offered a previous HAMP modification.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Credit card () with U.S. BANCORP (DC).
Issue: Billing disputes

Complaint: Yet again US Bank has fraudulently posted a charge of XXXX from XXXX on my account despite having information A. That amount was never authorized in the first place and B. The item was promptly returned with documentation provided via XXXX tracking XXXX. 
US Bank lied and denied they received this information. 
I am tired of the lies, deception, false statements, and bad faith being exhibited by this vicious bank. Am trying to close this account out and they continue to try to attach false charges to it. I want the XXXX plus interest refunded to this closed account immediately. 
The bank is prolonging the process of settling the closing of all monies owed fraudulently and want this to stop. I will stop making payments until they stop this behavior and will file suit in small claims court.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NM).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: After reviewing my credit report i saw that I had a late payment for  XXXX  of  XXXX  on my account. My bank account was drained after someone stole my debit card number and made a number of erroneous purchases online. When i submitted my capita l one payment for the month it was declined because of the erroneous purchases. I paid capital one immediately when i became aware of the situation. I asked if this would report negatively on my credit report and they stated they were unsure at the time. After reviewing my credit report I saw that it had indeed been reported as a 30 day late, I contacted Capital One and requested that they remove the late payment because I had never been late before, nor have i ever been late again. They told me they would not remove the late payment. I believe that Capital One is acting UNREASONABLY, as i have had the account si nce  XXXX  and have never been late before and this was clearly an isolated incident outside of my control.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: This is written notice to Transunion that your claim has been disputed under the Fair Credit Reporting Act ( FCRA ). I have the right to dispute any inaccurate information that is being reported in my credit file. I have requested proof that the inaccurate, invalidated, disputed accounts information in which have been illegally displayed on my credit file, be VALIDATED, and if VALIDATION can not be made within the 30 day time frame allowed to TRANSUNION by law. The disputes listed in my original complaint must now be completely removed from my credit report. ( TRANSUNION has now legally exceeded the time frame allowed by law ). 
Your legal staff will agree that compliance with this request is required under the laws of the FCRA and Colorado and Federal Statutes. 
The law requires compliance with the terms and conditions of the Fair Credit Reporting Act ( FCRA ), within 30 days or a complete withdrawal in writing of any claim. TRANSUNION has failed to remove these INACCURATE, INVALIDATED, DISPUTED accounts outlined in my original disputes. This inaccurate accounts information should not be associated with my credit report and TRANSUNION has failed to legally VALIDATE these accounts information in the time frame allowed to them by law.

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 04/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with PNC Bank N.A. (PA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On  X/XX/2017    my parked car was struck by a hit and run vehicle outside my house. I had it towed by  XXXX   XXXX    XXXX    XXXX  because they were on the scene first and offered a {$50.00}  XXXX -mile tow and their facility was only  XXXX  miles away. I went to get the car the next day and somehow the bill had shot up to {$610.00}. I went there again the day after that and after  XXXX  hours of attempting to negotiate that to a fee that was not outrageous I eventually had to pay because they threatened to put a lien on my income and everything I own once it accrues {$2000.00} in storage fees if I just let them keep the car ( it was not worth more than {$700.00} at the time ). Paying with credit card ended up being my only option and it costed an extra {$61.00} so my grand total ended up being {$670.00}.     Naturally, I called PNC 's dispute department as soon as I got home and told them to withhold the charge and I 'll file a dispute. They said they would send out a letter for me to respond with my own letter detailing the events and any evidence. I agreed and waited for the letter to come. Somehow within the next few days, the charge was posted anyway and my request to stop payment was ignored. I moved forward with the dispute assuming that would n't be an issue once I get the chargeback initiated anyway.   Within  2  weeks I got the letter and responded as directed with my written statement.     A month later on  X/XX/2017   , I find out that my dispute has somehow been denied and they are letting the tow company keep the {$670.00} that they wrongfully took.

Company response to consumer: Closed with explanation