milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Commercial Services, Inc (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XXXX I was the owner of a 1996 Jeep Cherokee. In XX/XX/XXXX my daughter totaled the vehicle and XXXX my insurance company paid full claim on the vehicle. I then purchased the vehicle totaled back from my insurance company for {$600.00}. 
The vehicle was sold to a XXXX XXXX, I signed the title over to him and removed my lic. tag from the vehicle. 
I was contacted in XXXX XXXX by a National Commercial Services , Inc., XXXX XXXX, stating that I owned {$3900.00} and if I did n't pay it my drivers license would be revoked, I would have a claim against my credit report and I would be sued. I informed XXXX XXXX that I did n't own the Jeep in XXXX. I had sold it way before that. He said he did n't care, that I was listed on the police report in XXXX XXXX NC and that I needed to pay. That the vehicle had hit another vehicle in the rear and the driver was XXXX XXXX, I was the owner. I again explained that was n't true. XXXX XXXX has harassed me, yelled at me in front of my employees at my bank on the phone and wo n't stop calling me. He says he is representing XXXX XXXX. I have tracked down XXXX XXXX and verified that she had the accident, was n't insured and that XXXX covered the claims because the woman she hit had XXXX. XXXX stated that she has been making payments on this same amount to National Commercial Services for six months. However they are trying to get the funds from both of us at the same time. 
I have lost time at work, personal time and have been harassed by this company. I have spoken to XXXX multiple times with no assistance. I have called the XXXX XXXX Police who stated that the info on the police report may have come from a old registration card in the car. The tag on the vehicle report was my old tag that I had long returned to DMV. 
Today at XXXX I was told my XXXX XXXX that they would remove my name from this claim because they talked to XXXX XXXX who took responsibility and said that the car was not mine but was titled in her name at the time of the wreck. Then at XXXX he called saying that XXXX would not allow him to remove my name. 
What I do n't understand is that the lady hit by the jeep was covered by uninsured motorist and it paid the claim. The claim is done and paid ... .who has the right to harass myself or XXXX XXXX for payment. 
The police report clearly states that the hit was at less than XXXX and that there was NO damage to either car. YET the people in the car hit has made claims of XXXX and XXXX of dollars for medical cost. 
I feel that there is fraud being committed here in many directions and I want this stopped. 
I should not have to take my time away from my job and family to get out of this ... it was not my car, not my wreck and not my fault. 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 non-monetary relief
Consumer complaint received 10/27/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (NY).
Issue: Application, originator, mortgage broker

Complaint: We have been going through the process of getting a mortgage through Chase and have suffered from incredibly poor service and the bank being unable to answer our questions in a timely manner. Our original loan officer seems to have been suspended and his boss is supposed to be handling our case, but he clearly does not have the time or the interest in our loan so we are left with the loan processor who is at a major disadvantage due to our loan officer 's royally screwing up our information that has been repeatedly sent to underwriting ( incorrectly ) and her own inability to keep straight what we have sent to her. Compounding this is her lack of knowledge of the paperwork we need and the dates on which this paperwork will either expire or the loan commitment will expire without the paperwork. Nobody at Chase seems to be able to act in a timely and professional manner in answering questions or returning calls ( if they get returned ; which is not often ). In order to get a call back we always have to resort to escalation where somebody outside of the reporting line checks in on what is happening. Then we get calls back with the rather obviously false claims that they did call back several times and chose not to leave a message. I checked my own phone records ( on my phone ) and contacted my phone provider and there are no calls other than the ones we have answered or where they did leave a message. In 2015 it is a little insulting to be lied to on something so easy to validate. We need somebody to take responsibility for our loan at Chase and Chase seems unable to do that on their own.

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2016 about Mortgage (Conventional fixed mortgage) with Consumer Real Estate Finance Co. (IN).
Issue: Application, originator, mortgage broker

Complaint: I applied online to Consumer RealEstate Financial Co I was instantly prespproved for a {$15000.00} loan I found a home sent all necessary paperwork this company had me send paperwork more than 3 times I had to pay {$570.00} for an appraisal that they picked and had to take a class which I paid {$75.00} they said if I took the class I would get a better interest rate all this went on for months by the end of the 3 month they said I would have to pay my car and a credit card off my realestate agent also had trouble getting someone to call them back about certain questions at the end of the third month the seller was ready to put house back on the market because this fianc was still slacking on the loan my realestate agent told me to submit everything to a local fianc company I did so and closed within 10 days for a fixed lower rate that the other company was gon na do those 3 months were a nightmare I feel that I should be reimbursed the monies for the appraisal ( which the fianc company I was approved ) could not use and reimbursed for the class I had to take. I appreciate help getting my money back XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: In XXXX, I requested my free annual credit report. After viewing my credit report, I noticed over XXXX credit/loan inquiries on my account that was not authorized by me. I contacted each company and was told that there was not any account open under my information. I explained that I have a hard inquiry on my credit report and need it removed as soon as possible so that I could apply for a home. I was told that the inquiries would be removed from my credit report. As of XXXX/XXXX/XXXX, none of the inquiries have been removed dating back to XXXX. I had a initial fraud alert placed on my report on XXXX XXXX, so if any credit reports are being pulled with my information, I was to be contacted by the company before any action was taken place. I just want the inquiries to be removed so that my scores and credit is not being impacted any longer. I would like to purchase a house, but until all of the inquires are removed I will not be approved with XXXX inquires on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2018 about Payday loan, title loan, or personal loan (Payday loan) with Talbot, Adams, & Moore, Inc. (FL).
Issue: Problem with the payoff process at the end of the loan

Complaint: I was contacted by an contractor representing XXXX XXXX XXXX 2yrs that the loan was not paid I made arrangement to make the payment and I did. And then 2yrs later someone else contacted me about not paying the same debt so i paid again and every 2yr someone keep trying to collect on the same debt. After the second time however I kept my payoff documentation I tried contacting the company about it but they said they don't have it on file.

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 11/15/2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (MN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I made arrangement with Chase Bank to make monthly payments of {$180.00} on a close account from XX/XX/XXXX to XX/XX/XXXX. During that period of time, Chase Bank reported that my payments were 90 days past due until the balance was paid off. Chase Bank has refused to remove the 90 days past due notice on my credit bureau reports. I feel that Chase Bank is unfairly punishing me although I upheld my end of the contractual agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been on the DNC list. 
I disconnected my services from XXXX XXXX. 
It took them a few month to get my final bill to me. 
When the bill of {$150.00} arrived I made a partial payment. 
The next bill arrived I did the same. 
I made another payment leaving my balance of {$100.00}. 
When my check of {$36.00} was enroute to XXXX the calls from XXXX started calling me eventhough I was making payments. 
They are relentless calling about 6 times a day. I told them I would report them to the FCC and they continued to call. Why XXXX submitted my account to them is beyond me when I was making monthly payments. This telephone number is not associated with any name, plus they started calling within the right time frame. It 's still disturbing especially since I am a senior citizen and have sleep issues as it is. Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (OH).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage loan is with HFC and I have not received a mortgage loan statement in over a year. 
I am delinquent on the mortgage and I have sought help from a HUD Housing Counseling Agency. I did do a payment plan with HFC to repay the delinquencies and they stopped accepting the payments. 
They did not not notify me of this in writing and have not sent mortgage loan statements for me to review and resume with the payment arrangement.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Nothing has been updated and has taken more than 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Credit card () with CITIBANK, N.A. (RI).
Issue: Credit card protection / Debt protection

Complaint: CitiBank is showing up on my credit report as opened as of XXXX 2015. This is incorrect information and should be deleted.

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 11/20/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (TN).
Issue: Loan servicing, payments, escrow account

Complaint: We sold our house and closing was on XX/XX/XXXX. Funds were wired directly to Nationstar Mortgage on that day so they had the funds in their account. As you know XXXX loan can not be funded until the other loan has been satisfied. Due to the XXXX holiday Nationstar did not credit my account with the payoff until XX/XX/XXXX. They are now reporting me to credit bureaus as being not one time late but 2 reporting XX/XX/XXXX and XX/XX/XXXX as late. This has impacted my ability to refinance my mortgage and the rates offered. We have repeatedly requested that they address this situation but they refuse to remove the incorrect reporting to the credit bureaus sending form letters every time we ask them to review the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Credit card () with CITIBANK, N.A. (NY).
Issue: Billing disputes

Complaint: A company put XXXX separate charges on my credit card that were not authorized. Each charge was for {$1200.00}. The total amount of incorrect charges is {$3600.00} ( XXXX x {$1200.00} = {$3600.00} ). I contacted the company about the charges. The company 's salesperson admitted his mistake for each of the XXXX charges, and promised to issue me a credit. However, he only credit my account for one of the {$1200.00} charges. I contacted my credit card company to dispute the remaining XXXX charges, but I have not received a satisfactory resolution from them. At every step, my credit card company has misunderstood the basic facts of my dispute, and they seem incapable of bringing this dispute to a correct resolution. I need to be credited for each one of the XXXX charges of {$1200.00}. The total amount of credit issued to my Credit Card needs to be {$3600.00} to correctly remedy this issue. Please help 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 07-05-2016 about Credit reporting () with CORELOGIC INC (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I was advised to get a " CORELOGIC TELETRACK ''. tHEY SENT ME THE REPORT THAT HAD A COVER LETTER WITH MY CORRECT NAME AND ADDREES XXXX DOB XX/XX/XXXX LIVING THE LAST 34 YEARS AT XXXX, FLORIDA XXXX but the documents inside where for XXXX at XXXX, FLORIA XXXX WITH A BIRTHDAY XX/XX/XXXX.in XX/XX/XXXX i had problems with identity theift with the IRS. IT Took me almost 3 years to sort out this theift. Now it appears someone is stealing my ID again. 

I don '' t what to do. Can you make this complaint? 
THANK YOU XXXX XXXX, Florida XXXX Email : XXXX Phone : 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 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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: I have discovered that XXXX XXXX XXXX XXXX has inserted items on my credit reports that were the result of fraud. I have repeatedly spoken to XXXX XXXX Reps concerning this and I am told that it is being looked into. However, My credit reports have suffered greatly as a result. I have asked them to remove these items that were on my credit with all three credit agencies and they have not. I have submitted copies of my theft report to the XXXX XXXX credit company and also to the credit agencies to no avail. I DO NOT own a XXXX XXXX and I never have. This is the result of someone opening accounts in my name. I furthermore received notice that A motorcycle was being held at the local dealership for me to pick up, but I do not have a XXXX. I have spoken to XXXX XXXX and they refuse to pick the motorcycle up and this further damages my credit because this is not mine and they have not removed it. Various inquiries were made in my name and asked to be removed because they were made in my name under false pretenses : XXXX XXXX ( XX/XX/XXXX ; XX/XX/XXXX ;XX/XX/XXXX/ ; XX/XX/XXXX ) XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ;XX/XX/XXXX ; XX/XX/XXXX ; XXXX - XX/XX/XXXXNot mine and should be deleted. Name I contacted Equifax about this via email and over the phone months ago. Equifax continues to simply say its been verified. I then mailed hard copies of my ID Theft report along with my police report copies, and even ID theft report and ALL required documents such as my Social security card info, passport, utility bill copy and drivers license. Equifax continues to either ignore or stall my request. XXXX  and XXXX  looked at the same info that was sent and removed the unlawful reporting status on my reports. Equifax has not done anything but ignore my request. It does not take months to investigate disputes when i have sent all necessary documents in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
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: I have send in several letters and filed complaints that seem to be ignored by the credit bureau. I REQUEST TO make justifiable corrections or removals of unverifiable or invalid allegations of account information so to meet federal reporting standards of completeness of the current reporting status, timeliness, truth, accuracy, and compliance else wise of every single one even each any and or of the aspects of alleged account information documentary to be proven mine so to further enhance your adequate and mandated compliance to proper and fair reporting for the following account : 1.XXXX Collect

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Billing disputes

Complaint: I have contacted the Chase company several times regarding the disputed matter. They refuse to remove the charge of XXXX from XXXX off my card and continue to charge me interest. I advised them that i booked through XXXX that XXXX and allure knowingly falsified images and advertised lavish images of the hotel and described it as a fine luxury resort. The hotel had no water in the pool or spa and was under construction the restaurant and cafe were closed the rooms ac and sleep number beds broke, the place was rat and roach infested. This place is not a resort, its not even a motel it should be condemned. I had no place else to go as this was XXXX weekend could n't find another hotel to stay at last minute so we were stuck. We tried to leave but were threatened by the hotel they would charge us anyways as we had a booked agreement. Since they would not release are funds we could not leave. We could not find a hotel in range that had an opening either. Our claim is that they lured us to the hotel on false images and documentation they provided on the website. Had they disclosed the true and accurate images and lack of amenities no one would have booked a hotel here and that is exactly why allure resort continues to commit the fraud that they do. it is false advertisement.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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: CRA VIOLATION / INACCURATE LATE PAYMENT APPEARED ON MY TRANSUNION 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 07/29/2016 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (TX).
Issue: Problems caused by my funds being low

Complaint: With Regions bank they have had a practice of overdraft fees that are not legitimate, although they have gotten better their is still an issue

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 03-01-2016 about Mortgage (FHA mortgage) with Selene Finance LP (UT).
Issue: Loan servicing, payments, escrow account

Complaint: My Loan Modification finalized after a 3 month trial period, and new loan terms effective XXXX/XXXX/XXXX at which time the loan was to be brought current and all trial period payments applied. Selene Finance has been holding my mortgage payments in a suspense account, not applying them, since XX/XX/XXXX.No Interest has been reported to the IRS for XX/XX/XXXX. 
Selene has also been reporting this loan delinquent since XXXX/XXXX/XXXX. 
Both instances are in direct breach of the loan terms agreed upon. 
This loan was not finalized in a timely manner nor has the terms of the loan contract agreed upon been complied with. 
They have been a nightmare to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2015 about Debt collection (Medical) with ProCollect, Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I contacted this agency because they are stating that I owe a balance on behalf of their client. The client ( XXXX XXXX XXXX XXXX ) went out of business. The hospital XXXX XXXX Hospital stated that they have nothing to do with Procollect and do not have a claim against me. I contacted the insurance company ( XXXX ) and they stated that they never received a claim for this alleged bill. I requested the name of the physician who has placed this bill in collections and Procollect would not provide that information. This company will not provide me with the original account information nor will they provide me with an account number. I believe that they are fraudulently trying to collect on old accounts that no longer exist. My name was previously XXXX and when I visited the hospital XXXX/XXXX/2015, I had full insurance through my employer who was XXXX at the time. I have never heard anything about this alleged bill or account until just recently.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Mortgage (Conventional fixed mortgage) with AMERICAN INTERNET MORTGAGE (CO).
Issue: Loan servicing, payments, escrow account

Complaint: Aimloan.com either 1 ) is committing fraud, 2 ) has provided poorly trained employees, 3 ) is understaffed and not able to effectively resolve issues in a timely manner. I contacted the company to inquire of them on XXXX XXXX, 2015 that the mortgage payoff was sent per their instructions on a house closing completed by XXXX XXXX XXXX XXXX, CO branch Office : XXXX on XXXX XXXX, 2015. Aimloan.com support department were unable to help me and would not escalate the case to a manager to research and solve the problem. The title company claims they followed the written instructions for the payoff exactly as provided by AIMLOAN.COM and the funds were wired through XXXX XXXX XXXX from XXXX XXXX on XXXX XXXX, the same day of closing on the sale of the property. Aimloan has now sent out numerous credit collection letters and will not work toward solving the problem within the 60 days allowed by law. 

Please note the XXXX Servicing Department Address : XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX Department Telephone : XXXX would also note that when originating the loan there were also numerous issues again due to XXXX of the XXXX problems speculated at the beginning of the form.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation