milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-03-2017 about Student loan (Non-federal student loan) with Earnest Inc. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I was approved for a refinancing of my existing student loans by Earnest , Inc. Upon signing the loan documents, I was informed that i needed to get a " 10 day payoff '' quote from my existing loan servicers, and that Earnest would hold the loan funds for 3 days, then send my existing loan servicers a check, which would take about 7 days to clear, thereby closing those loans. After several days, I was notified by Earnest that they were suddenly backlogged, and unable to disburse funds on this loan for 45-60 days. My worry is that they are out of cash. I am hoping that the CFPB can require Earnest to disclose their inability to fund loans in a timely manner to consumers BEFORE they enter into loan agreements. I am also concerned that Earnest may not be complying with the law and/or relevant regulations regarding capital requirements for lenders.

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 03/24/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Was rejected for a mortgage so the mortgage company sent me a letter telling me that, and included Trans Union as a reporting source. Tried to log in at the website the letter advised me was there to provide me a copy of my credit report, and the site advised me that my report was not available due to a data entry problem. That error note gave me a phone number which I called to probe the problem. Over a period of 4 hours ( really! ), I spoke to 14 representatives - from consumer relations, the offline department, the online department, customer service. Each representative asked for my personal information, spent time researching issues, and then referred me to another representative. Each referral was back and forth from one department to the other - and then back again. I never was able to get my credit report online.

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 02/17/2017 about Debt collection (Medical) with Medical Data Systems, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have medical data systems on my credit report twice. I went to the emergency room at XXXX XXXX XXXX once in XXXX of 2011. They turned my account over to a collection agency ( Medical Data System ) and it has posted twice on my credit. There 's a collection for {$1100.00} & another for {$1100.00}, but it 's for XXXX trip to the emergency room. Can I get XXXX of these charges off of my credit 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 03/24/2017 about Bank account or service (Checking account) with FIRST NATIONAL BANK OF PENNSYLVANIA (NC).
Issue: Account opening, closing, or management

Complaint: i was a XXXX Customer. XXXX was recently acquired by First National Bank ( PA ). I was just informed by FNB that I will not be able to access any of my prior banking records online from XXXX. I never received notice that this is the case and find it hard to believe that FNB can aquire a bank and then purge all of the customers past history under the old bank.

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 08-03-2015 about Debt collection (I do not know) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by Capital One Bank, USA refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. 
This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within ( 10 ) ten business days, via certified mail Number : XXXX, on XX/XX/2015 for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. 
The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction ( s ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Debt collection (Federal student loan debt) with F.H. Cann & Associates, Inc. (NY).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint: In XXXX of XXXX, after received a phone call at work, I asked XXXX XXXX of FH Cannes and Associates to not contact me at my work phone number. She contacted me at work at around XXXX on XXXX XXXX, XXXX at work.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (IN).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you instead of your attorney

Complaint: I am filing Bankruptcy. I have notified this agency and they continue to contact me via phone, and not contact my attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Mortgage (Conventional fixed mortgage) with MEGASTAR FINANCIAL CORP (CO).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company Megastar Financial changed their billing address, and in the process they also changed my account number. I had been using an Automatic Draft Payment option, which somehow did not get transferred. I never received notice that I had an intermittent payment due, but I did get phone calls Megastar Agents on numerous occasions ( even after I had fixed the problem. ) Then, when I tried to adjust my account numbers, the steps were numerous and cumbersome, and resetting the Auto Draft program was delayed. This delay also happened without Megastar notifying me, until an agent called and threatened me with a Collection Agency. The worst part was that she could even see that I had Auto Draft set up, but that it was n't activated yet.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Navient reported to my credit report that the loan was past 60 days due. I have made multiple attempts to change the address they have on file to the correct address. They still keep sending my mail to my old mailing address.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Mortgage (FHA mortgage) with CITIBANK, N.A. (PA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I believe that my mortgage representative,  XXXX   XXXX , loan processor,  XXXX   XXXX , and underwriter misrepresented the guidelines that were required for final approval of my mortgage application and/or denied my application in part because of my  XXXX . After receiving notification that I was approved via Citi 's online application status portal on approximately  XXXX / XXXX / XXXX , I received a phone call from my mortgage representative a few days later claiming that I was denied at on  XXXX / XXXX / XXXX . The reasoning for the denial provided by the mortgage representative was that my income, as reported on my  XXXX  tax return, was insufficient. Despite having records of my income via my  XXXX , tax returns, and pay stubs for several weeks prior, Citi 's team failed to communicate this to me until  XXXX / XXXX / XXXX ,  XXXX  week prior to closing and shortly after I disclosed my  XXXX .     I disclosed my  XXXX  orientation to my loan processor,  XXXX   XXXX .  XXXX   XXXX  learned that I was a  XXXX  male through our conversations about gift funds from my significant other who is male.     As such, I believe that  XXXX  's team is disingenuous at best or bigoted at worst. I am extremely disappointed in the team 's handling of the situation and strongly believe that I was not denied my loan because of insufficient income but instead because I am a  XXXX  man.

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 07/26/2017 about Mortgage (VA mortgage) with Credence Funding Corporation (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: In XXXX of 2017, My wife and I closed our loan for our new house in XXXX, CA. It is a VA loan issued through XXXX XXXX XXXX. This complaint is NOT against XXXX. Since closing, we have received several offers in the mail to change our loan from different companies. One we received was from Credence Funding, NMLS # XXXX. On the one page letter, it states the " Payments based on 30 year fixed rate of 2.25 % and the original loan amount of {$250000.00} '', and " Payments are fixed for 30 years. '' I contacted the company today to discuss getting this loan. I talked to XXXX at XXXX. During the discussion, XXXX indicated the current rate was 3.25 % and my P & I would go down approximately {$80.00} per month, ( not the {$240.00} quoted on the notice ). When I questioned him on the published rate on the notice the company had sent me, XXXX said that was for the XXXX  ARM loan, not the 30 year fixed. I explained to him that the notice I have in hand from his company specified it is for a 30 year fixed loan, and did not mention a XXXX ARM at all on the notice, XXXX said it was probably just the marketing group that put out the notice and it is only for XXXX ARMS. I thanks him for his time, and informed XXXX that I was not interested in an ARM, and ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2016 about Debt collection (Medical) with Receivable Solutions, Inc. (SC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Continue to report inaccurate information to credit bureau from an auto insurance accident settlement that they were already paid for and now after my recent dispute with the credit bureau they decided to add on XXXX more bogus accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2016 about Debt collection (Medical) with Overton, Russell, Doerr and Donovan, LLP (NY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received a notification from my credit monitoring company that I had a collection account. I immediately reached out to the creditor/collection company. I asked for the information. The collection company verified that they had sent the notice to an address which I moved from over two years ago. Given the passage of time, my mail was no longer forwarded. I have updated my address with the credit reporting bureaus as well as the XXXX. I asked for the information to be removed from my credit report, until I received the account information and the opportunity to dispute or pay within 30 days. They have failed to send me the information. Furthermore, they refused to send the original notice to my correct address. I have absolutely no information on this account, except for the name of the collection agency and the fact that it is for {$590.00}. I believe this is an unfair collection practice, as I did not receive the 30 day period during which to dispute or pay the collection. I have acted in good faith, even communicating with the collection agency by mail and telephone, and have not been provided with the same courtesy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Problem with fraud alerts or security freezes

Complaint: As a result of XXXX XXXX data breach, I attempted to place credit freezes on my credit data at XXXX, Transunion and XXXX. I was only partially successful with XXXX. They reported that I already had a freeze in place. Transunion 's process died with a system error. XXXX XXXX process returned a blank pin number. Apparently the last two companies have poorly designed system which can not be relied upon.

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 08-10-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (UT).
Issue: Loan modification,collection,foreclosure

Complaint: I had a mortgage with Wells Fargo and XX/XX/XXXX they approved a short sale and it was complete XXXX. However, they did a new update in XXXX for no reason even though the short sale was complete. This is affecting my financing since they have a recent report date due to this fact.

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 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (MA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I applied for the XXXX XXXX XXXX card due to the fact that I am a reward elite member with the XXXX, if I apply I would receive XXXX points. I have a good credit score. I keep up with all of my payments. right not I am putting my self on the line for loss of use due to fire in my home for my home owners insurance company to charge the hotel room at the XXXX and wait to be reimburse. the XXXX card is operated by Chase, I had some history with chase, whom still owem me dollars for XX/XX/2014 service contract on a vehicle and and {$30000.00} Mortgage insurance policy so this is what they go back on and. reject me on on the actual facts. I have not opened too maany cards, I openec one jet blue card in the last year. the rest or the informantion is either not updated or incorrect on XXXX. So I want to know to know the exact specific for the rejection now. the reference # XXXX and the exact cards they claim. oopened and the dates opened, this is my information, not chase information and if XXXX is reporting incorrectly they need to correct it. Chase is not keepin me from receiving points, cards thei give out points should not only stick to one bank they should have a variety of band options because of reasons like this due to disccrimination against customer/consumers that challenge them. i never heard of such events, and i think the XXXX notice Emil came that said it was being checked. I would like to know what other bank handles XXXX reward   points, I will besent this copy to the XXXX Rewards   centrer and taking to the Hotel and informing that Chase is deny me points and to find another bank to work with. I would like you to out if this is correct, i know this is a spiteful act. That you!

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: THIS COMPANY CALLED ME ATLEAST 8 TIMES A DAY AND I HAD ASKED THEM REPEATEDLY TO STOP HARASSING ME. EVEN AFTER MY DEBT REPAYMENT PLAN WAS PAID THEY CONTINUED TO CALL NON STOP AND SAID THEY ARE ABLE TO CALL ATLEAST 10 TIMES A DAY. THEY WERE OBNOXIOUS, RUDE AND MADE PROMISES TO DELETE DEBT FROM MY CREDIT REPORT AND THEY DID NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-08-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (WA).
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint: This follows up on an earlier complaint I filed with the Controller of the Currency. The Controller forwarded the complaint to Chase. Chase 's reply to Case XXXX is attached here. 

I may have filed my complaint with the wrong agency and should have started with CFPB. The Controller 's office did forward the complaint to Chase, and Chase did copy to the Controller their response to my complaint. Otherwise, I have not had any contact with the Controller 's office. 

I have noted my comments in the margins of Chase 's attached response. Briefly, I still believe that the impounding of deposits for 11 days is unjustified in this electronic age. My deposit with Chase was transferred instantly from my account with XXXX XXXX to Chase. Chase had control of my deposit ( {$35000.00} ) on the day of the deposit according to statements from both banks. If the deposit had been forwarded to XXXX XXXX by XXXX, as was apparently the situation when this impounding was originated, I could understand it. Today, the practice continues because it is ( a ) an interest-free loan to receiving banks, who undoubtedly resist any change and ( b ) because it is not important enough for regulatory agencies to pit their limited resources against the platoons of lawyers the banks would mobilize to continue the practice.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Struggling to pay mortgage

Complaint: To Whom it may concern, On XX/XX/XXXX, after submitting 2 years worth of documentation, we were delighted to receive a letter from Nationstar mortgage that my wife and I were approved for a trial modification. The letter stated that if we made 3 consecutive payments we on time, we would qualify for a permanent modification. We signed the agreement the following day and sent a check for the agreed upon payment. We made certain for the subsequent 2 months, we made the next two payments on time as agreed. I even wrote on all 3 checks that by depositing the checks, they are agreeing to the terms of the modification as well, just to be safe. 

We had not heard anything from Nationstar Mortgage or received documentation for the permanent modification. On XX/XX/XXXX after we complied with everything Nationstar requested including making 3 consecutive payments on time, they sent us a letter that said the funds were applied incorrectly. We tried calling several times to find out what this letter meant and they would not give us any information as to why they were not honoring their agreement that they had given me in writing. 

Shortly after, they sent me a check totaling 2 of the payments I sent. I called and asked why they only sent two payments back and kept one and they would not give me an answer. 

I then proceed to call XXXX XXXX of the firm XXXX XXXX, that was representing Nationstar and he was nasty and told me I never got a modification, even though I told them I received a letter from Nationstar. He told me to just rip it up because its invalid. 

I have been lied to, deceived, and mistreated. I have a document in writing that i complied with and Nationstar didnt honor. I want to put in a formal complaint with Nationstar Mortgage as well as XXXX XXXX. 

Thank you XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (AR).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: On XXXX XXXX, 2017 at XXXX XXXX CST, I called number XXXX and rep, XXXX, refused to transfer me to the Bank of America travel center. I was placed on hold for 12 minutes while XXXX probed, silently listened to me talk to my computer, and kept coming back saying we have no travel center. I could not get access via my Internet. I said this to XXXX. She agitated me. Then, I got transferred to a female specialist to help with my website and lack of access, who claimed they have no travel center only rewards. And, she said my phone was breaking up, that I was screaming at her, and to stop. Finally, after yelling at her that I felt like I was in the Twilight Zone, she gave me the travel center phone number XXXX, and sent me to, XXXX, in travel center took care of me and apologized. I do n't understand why these folks have to play with me and act dumb. I said " no '' to using my travel rewards 10 times. They claim they can not hear me unless I speak and use the correct tone of voice and verbiage. They act punitively toward me and it makes my phone transactions difficult and tiresome.

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 04/22/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: I was double billed by Citi Credit Card for a hotel stay. I have bb been fighting with them since XXXX/XXXX/16. I received a letter from Citi ( XXXX XXXX ( XXXX ) XXXX on XXXX/XXXX/16 Stating " We will apply a permanent credit to your act. '' This did not happen.

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 06/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
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: I was reviewing my latest statement fro m Capital One  dated  XXXX / XXXX /  XXXX  . It shows a  cash advance  amount totaling {$10000.00}. I disputed this amount by writing to them in a letter dated  XXXX / XXXX / XXXX , asking them for documentation showing when, where, and amounts where I received over {$10000.00} in cash advances. All they did was to write back to me in a letter dated  XXXX / XXXX /  XXXX  , stating that the amount was correct. I never took out that amount in cash advances, and if I am not correct, I ask that they give me documentation showing where I did.

Company response to consumer: Closed with explanation