milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/19/2015 about Mortgage (FHA mortgage) with FRANKLIN AMERICAN MORTGAGE CO. (WA).
Issue: Loan modification,collection,foreclosure

Complaint: I was decieved by Franklin American Mortgage company. They gave us terms that were really good on the actual principal and interest to draw us in to choose them, but were n't forthcoming and transparent about how they configured Escrow as required by the Dodd-Frank act of Tila ( 2014 ). They were quite aware of my financial situation, but ignored it. When I complained about them deceiving us, they ignored me again. Because of this, I will lose my credit and my home. 

What Franklin American claims is that Escrow is simply taxes ( $ XXXX + insurance {$640.00} ) and for me this is approximately $ XXXX. Now, suddenly as we approach the XXXX year they say we owe them another {$2300.00}. We have put {$4900.00} into Escrow and now they want to increase our payments another $ XXXX. 

This is pure deception and violates the Dodd-Frank act, for if we had known that we were not paying 5 % on our loan, but 20 % monthly ( which is what it computes to approximately ) we would never have got involved with Franklin American. They lied to us from the outset and we want this issue resolved. They are in gross violation of the Dodd-Frank act!!!

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2015 about Debt collection (Medical) with Community Health Investment Company, LLC. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I received a phone call from XXXX on XXXX/XXXX/2015 between XXXX and XXXX from someone claiming to be with Professional Account Services , Inc. It was a male voice. They said it was concerning XXXX XXXX XXXX XXXX. When I researched the number from XXXX different places the number popped up XXXX times as a telemarketing spam number. The number is registered to a XXXX XXXX in XXXX, Tn. Then on XXXX/XXXX/2015 I received a statement in the mail from Professional Account Services XXXX Inc., concerning the same thing. Guess what the office number on the statement was XXXX. The XXXX XXXX XXXX for XXXX, Tn. How can the same number be registered to XXXX different people.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A phone account with XXXX was opened linked to my address with an incorrect last name for me and it was not something I requested during a time I did not live at the address the bill is linked to.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2015 about Debt collection (I do not know) with Pinnacle Credit Services, LLC (ME).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: Called me at XXXX at night also reporting the wrong date on my credit report they jacked up the date to report longer on my report shady company needs to be fined and always answers the same way everytime I file a complaint they harassed me steady and cover out up everytime

Company response to consumer: Closed
Consumer complaint received 09/16/2015 about Mortgage (Conventional fixed mortgage) with CITIZENS FINANCIAL GROUP, INC. (MI).
Issue: Application, originator, mortgage broker

Complaint: We applied for a mortgage from CCO Mortgage XXXX to help my sister purchase a house. The amount approved was not enough so CCO Mortgage did a second mortgage from Charter Bank. We did not know that the XXXX were the same mortgage company. My sister could not afford to pay the mortgages because the interest rates were so high. We had to apply for a modification. After a lot of complications, CCO approved the modification although they charged a lot of interest and did not do anything about the second mortgage to Charter Bank. So, my first complaint is about CCO Mortgage. While this modification application was pending, Charter Bank sent a notice that its second mortgage was in default. They said nothing about a chargeoff. Later, Charter One send us a letter giving us two choices, one to pay 70 % of the balance and they would chargeoff the 30 % and the other to pay {$200.00} per month with no threat of a chargeoff, only that the {$200.00} would continue until payment in full. A copy of is letter is provided. Then, XX/XX/XXXX. I applied for a refinance of my home and was rejected because the credit report showed a chargeoff of the loan from Charter Bank. Charter Bank, now saying they are Citizens Bank, state that they charged off the loan XX/XX/XXXX The bank reported a chargeoff to the credit bureau but did not in fact chargeoff the loan but continued to keep it active charging interest so that the {$200.00} per month was applied solely to interest. A copy of a statement showing the interest charged is enclosed. It is my opinion that CCO Mortgage knew that my sister could not afford the mortgage but financed it anyway and then they created a second mortgage, which was really with the same company, to illegally put more money in their pocket and intentionally create a situation which we could not afford. They should have turned the purchase money mortgage down. Then Citizens Bank, acting as Charter Bank, reported the loan as a chargeoff without notifying us, and without actually charging off the account. The letter, copy enclosed, led us to believe that there would be no chargeoff if we paid the {$200.00} per month, which we paid faithfully. We have contacted Citizens Bank and requested that they reverse the chargeoff. They refuse to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Was informed by way of my XXXX XXXX account that I have a delinquent account with a balance of {$840.00} with XXXX XXXX as of 2015. I do not have XXXX XXXX as my cable/internet provider. I have been with XXXX for the past 3 + years. This item is not mine and I want it removed. 
Thank you

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 09-05-2015 about Debt collection (Federal student loan) with Allied Interstate LLC (AZ).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I have only been at my current job for XXXX months at XXXX months I received notice that my wages were going to be garnished and I contacted allied who is the collection agency and told them they were n't supposed to garnish my wages until I had been at my job for XXXX months they called me a liar and continued with the process if garnishing 15 % of my wages ... At XXXX months at my position I called them again to tell them they need to stop garnishment and I wanted to set up a payment plan ... They gave me XXXX fax numbers that did n't work as a means to give them my tax forms to work out my payments and sisd they would contact my payroll department and stop the garnishment and they still have not done so.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-10-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Application, originator, mortgage broker

Complaint: We currently have our mortgage with Wells Fargo and were trying to refinance to cash out some equity so we could pay off some debt. Our loan was approved and we were instructed to close all of our credit cards accounts. We did as they asked, the property was appraised, and we thought it was a go until we were told three weeks in that our property was n't approved because of HOA blanket insurance. Now we do n't have access to a line of credit because we were told to close all our accounts and the closures will negatively affect our credit score. At the time this incident occurred the branch manager told us she had XXXX other customers in the same situation. If that 's the case, I would think she should have made sure the property was approved before asking us to close our accounts.

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 03-12-2017 about Debt collection (Medical) with Affiliated Collection Services, LLC (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The medical facility already received {$790.00} from my insurance company, based on the improper level of care received, I am not responsible for the {$75.00} co payment, it is fully disputed. Letter below was sent to the President of this facility. 
Via E-mail XXXX XXXX XXXX, President/CEO RE : XXXX Triage Date : XXXX, 2016 Medical Record : XXXX Dear Mr. XXXX : I am writing you in regards to my experience at the above captioned facility, the care in which I received was horrendous and has resulted in never patronizing another facility within the XXXX. The only reason why I visited this location was due to the fact that my XXXX at XXXX is affiliated with this hospital. Possibly, the Physicians in which you contract with XXXX should be vetted more appropriately, as ultimately, this has a reflection on your health care system. The care received by Dr. XXXX, was less than ideal, after approximately two hours of care, I was discharged in worse condition than upon my arrival. My cell phone picture of the monitoring machine taken on XXXX, 2016 at XXXX., shows a XXXX of XXXX and upon walking to the parking garage with my companion, I XXXX twice. However, your emergency department assumed that I received stabilizing treatment. In fact, I was a patient at the emergency department of XXXX for the same issues on XXXX, 2016 for a total of fourteen hours vs. the two hours at your facility. Obviously, the medical records between the XXXX facilities will show a vast difference in the level of care received. However, I am most sure, your medical records will be falsified to reflect that I was resting comfortably on the stretcher upon discharge.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (HI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX XXXX has a signature loan that is currently open an in good standing. On the credit report with XXXX, Experian and XXXX it shows the account is collection/chargeoff. The payment was behind 2 months but has been brought current.

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 02/23/2017 about Credit card () with DISCOVER BANK (CO).
Issue: Closing/Cancelling account

Complaint: I called Discover Card to cancel my account. I had to talk to multiple people on the phone, the last person gave me a hard time about cancelling, and ultimately said she would, but my account is still not closed after a week.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (TN).
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: CHASE BANK USA, N.A has been running a hard credit check when I have NOT applied for credit and they have now done it twice and will not remove the information though I 've been in contact with them through a XXXX since XXXX XXXX and they were suppose to remove this and STOP and send me a letter stating that it has been removed! Not only is that inquiry still there but they did a new one in XXXX XXXX!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/27/2017 about Student loan (Private student loan) with National Education Servicing, LLC (NC).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: Ive tried contacting them to let them know that my identity has been comprised because ive never had service with them although they refuse to remove this black mark from my credit report. I 'm filing to have them remove this fault debit from my all  three credit bureaus.

Company response to consumer: Untimely response
Consumer complaint received 05/30/2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (PA).
Issue: Trouble during payment process

Complaint: Prior complaint  XXXX ,  Bayview  does not apply payments correctly. They hold payments and suspense money over the mortgage amount.They are saying I owe for  XXXX  from  XXXX   2017 . We have never missed a payment, we paid bi-weekly with prior company and are years ahead on the mortgage. When I call in and complain they block me from their website.   They are sending me foreclosure notices and were calling me for payments even though I do n't owe them.   Of note also is they were using the wrong interest rate a supposedly corrected it.   I am paying interest on a principal balance that does not include the money they are putting in suspense. They have always had sloppy accounting however it has gotten worst since they sold the mortgage to   XXXX    XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I checked my Equifax Report and Found a collection account from XXXX, I notified both XXXX and Equifax that these are Fraud and asked Equifax to block this account under FCRA Section XXXX and XXXX ( a ) ( XXXX ). Equifax failed to respond and did not follow the law and blocking these accounts that were setup as a result of my id information being used Fraudulently. I included the US DOJ Case # XXXX in my complaint, the DOJ arrested a person that has all of my info and also Fraudulent ID documents of mine and were selling it off to other people as well!!

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX XXXX, 2015 XXXX XXXX XXXX sued me in XXXX XXXX XXXX for an amount they alleged I owed on a Lowes credit card. On the afternoon of XXXX XXXX XXXX 's attorney contacted my attorney and requested the continuance of a hearing that both parties agreed to. Despite their agreement to the continuance, on XXXX XXXX, 2015 XXXX took a default judgment against me anyway in the XXXX 's court. On XXXX XXXX, 2015, through my attorney I entered into a signed Settlement Agreement with XXXX to pay an amount we agreed upon for full and final settlement of their claim against me. On XXXX XXXX, 2015, following all instructions in the settlement agreement, I mailed the full payment agreed to, in the form of a money order, to XXXX XXXX via certified mail. The return receipt shows they received this payment on XXXX XXXX, 2015. Despite the fact that I paid the full amount XXXX agreed to and despite the fact that they received this payment, with no other notice to me XXXX took the default judgment against me and on XXXX XXXX, 2015 they recorded it in the XXXX court of my county. As of this writing ( XXXX XXXX, 2015 ) to the best of my knowledge and belief this account is still listed as unpaid and as being in collections on my credit reports. By recording a judgment in the XXXX Court after they were paid in full as agreed, and by continuing to attempt to collect an alleged debt after I had paid it in full per the signed agreement with them, I believe that XXXX XXXX XXXX has violated the Fair Debt Collection Practices Act. Their unjust actions have caused further damage to my credit record, and they have caused embarrassment, damage to my reputation, and many other problems.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Vehicle loan or lease (Loan) with HYUNDAI CAPITAL AMERICA (GA).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: Due to XXXX in my immediate family and my own illness I fell behind in my payments. I am working as hard as I can to catch up but the collection calls are relentless they start at XXXX XXXX XXXX XXXX and do n't stop until XXXX XXXX  seven days a week, The callers make threats to come and get the car and when I advised them to do so they refuse to come and get the vehicle. I have asked for the paperwork to be sent to relinquish the vehicle back to the lender and they refuse to send it. 

I have repeatedly asked not to be contacted while I am at work during the hours of XXXX XXXX  and XXXX XXXX yet the continue to call. If I l do not answer the phone they hang up and call right back. Because they will not respect my request not to call during my working hours or not to call my place of employment my employment may be in jeopardy, On Sunday XXXX XXXX, 2018 I received twenty calls from the lender in a single day.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
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 XXXX XXXX 2017 I took my car to XXXX tuning to get an upgrade to my exhaust system. I was advised that it would take 3 to 4 weeks to complete the work. I tried to reach the owner of the business multiple times, left several messages no answer from the company. OnXX/XX/XXXXi went to the shop and saw that there were no work done on my car. The owner was very apologetic and stated that he was unable to complete the job within the time frame that we agreed. He also stated that he would give me a full refund of XXXX USD to my original method of payment Bank of America credit card ending XXXX. 
On XX/XX/XXXX he called me and told me that full refund had been made and that should reflect on my credit card within 7-10 business days. And since then my refund has not been made. 
After waiting couple of days, I contacted Bank of America to initiate a dispute as the merchant never refunded me or provided any service or products. Bank of America has not done its due diligence to resolve this matter. I have contacted them several times and sent all the required document multiple times, but the bank of America never provided any resolution to this matter. Moreover they never provided my temporary credit for disputed charge and it affected to my credit rating and payments. This type of service is not acceptable from banking institution because the customers should not chase the banks to have their problems resolved. The last time i contacted them they were not able to find the documents which i faxed them multiple times. Finally they confirmed over the phone that they found everything they needed but till now the issues was not resolved. Such a disorganized service from Bank of America is very ridiculous and very frustrating.

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 06-09-2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (MS).
Issue: Shopping for a loan or lease

Complaint: I applied online to One Main Financial for a personal unsecured loan in the amount of {$4900.00}. I was directed to the local branch after applying for the loan. I have had several loans in the past with One Main and they all have been paid on time ( never late ) and have all been paid out as well. I was contacted by the XXXX, MS branch to complete credit application and according to them, get authorization for One Main to pull my credit. I was under the impression that I had done that when I applied for the loan. During the course of the conversation, I asked to speak with the Branch Manager because the person I was speaking with said that I had to give her the make, model, miles and VIN to ALL my vehicles in order to have a " complete '' application. I told her that I was not applying for a car loan, a collateralized loan or looking to refinance my vehicles ( all are currently with other lenders ). The Branch Manager XXXX XXXX explained that they were bought out by a new company and this was a new requirement and that I was required to give this information or the application would be considered incomplete and not processed. In my opinion this is wrong and should be illegal, if it is not. If they advertise unsecured personal loans, then one should able to apply for that type of loan. If they are unable to approve a personal loan without some type of collateral, then that product should be offered at that time. If they approve a person for an unsecured personal loan and then want to offer them different products as options, then do that. But to REQUIRE an individual to furnish their vehicles ' information to the point of providing a VIN is suspect and smells of fraud or bait and switch tactics. In the past, I have applied for loans at One Main and they always gave me the option to borrow more money with a vehicle as collateral. I do n't have a problem with that. It makes sense that with collateral they would be able to lend more money. But to require this information under the guise of being able to offer you what you qualify for with other types of loans is very suspect. It appears that they are trying to " go after '' these vehicles and bait and switch you to something else that you did n't apply for. I contacted the corporate office and asked for an explanation and asked for a supervisor and they simply transferred me to XXXX XXXX at the Branch In XXXX, MS . It makes you wonder what kind of company this is when you ca n't get in contact with anyone at the corporate office.

Company response to consumer: Closed with explanation