milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/21/2017 about Mortgage (Conventional home mortgage) with IMPAC MORTGAGE HOLDINGS, INC. (CA).
Issue: Closing on a mortgage

Complaint: XX/XX/XXXX We had a balance in our escrow account of {$1400.00}. We refinanced and instead of refunding the amount to us because they had just paid our taxes XX/XX/XXXX they applied the balance to the new loan. From our understanding we did not need cash to close. I asked the mortgage company about it and they said because we are refinancing with the same company they are allowed to use the escrow balance for the new loan. Is that correct?

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Debt collection (Credit card debt) with NAVY FEDERAL CREDIT UNION (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint: On XXXX XXXX, 2017 there was XXXX deposited into my unused Navy Federal Credit Union Checking account. The money was for XXXX XXXX XXXX/XXXX vet but it was an erroneous deposit and just like with any deposit the government makes they try and recall it or they check you later. XXXX has requested the money multiple times only to find out that Navy Federal has without consent transferred it an account of their own choosing. I have never agreed to automatic transfers. If they had not removed the money by the time XXXX came to retrieve it and correct their mistake it would have been known. Also this money is exempt money so it can not be used to repay a debt. I have replied numerous times to them and so has XXXX. They have done this before and I had to call numerous times to get the taken money put back. They have replied back regarding the deposit and keep directing me to the debt recovery department. That 's not fixing the problem that has happened. They first replied to XXXX that the account was closed. Then they reported that they never received the request to return funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Credit card () with Experian Information Solutions Inc. (TX).
Issue: Credit determination

Complaint: I had a credit card issued by XXXX Bank. I did not pay the debt and a judgment was placed on me. I paid in full the card in XX/XX/XXXX. I wrote dispute letters to the XXXX credit bureaus. XXXX deleted the judgment but the other XXXX credit bureaus did not respond. I would like this judgment deleted from 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 non-monetary relief
Consumer complaint received 05-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX   XXXX   on  XXXX   XXXX   XXXX  &  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   (   XXXX   XXXX    XXXX   XXXX   )  XXXX   XXXX  &  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  &  XXXX   XXXX   XXXX  I HAD SENT IN DISPUTE STATING I DID NOT AUTHORIZED IT AS WELL WITH A POLICE REPORT AND WAS TOLD NOTHING COULD BE DONE ABOUT IT EVEN THOUGH IT WAS FRAUD AND IT WAS NOT AUTHORIZED THERE WAS ALSO AN ISSUE WITH  XXXX   XXXX  I WAS VICTIM OF THEIR INQUIRY ISSUE THEY HAD SOMETIME DURING  XXXX  WHICH SOME OF THE DATES ARE INCLUDED ON THE TOP. ALSO  XXXX   XXXX   XXXX   XXXX  &  XXXX  ON  XXXX   XXXX   XXXX  AS WELL AS  XXXX   XXXX   XXXX  MY POLICE REPORT NUMBER IS  XXXX  FOR  XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Credit card () with BARCLAYS BANK DELAWARE (FL).
Issue: Credit line increase/decrease

Complaint: my Barclaycard credit card account credit line was reduced from XXXX to XXXX, this action causes major change in my credit score, because it maximizes card over XXXX % thereby reducing credit score, all payments are on time, never late! I HAVE XXXX CREDIT CARDS, AND THE ONLY ONE THAT REDUCES CREDIT LIMITS IS BARCLAYCARD!

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 02/26/2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX Remove fraud alert fro my credit profile

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 06/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX, XXXX SS # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX,  FL XXXX RE : Unauthorized Credit Inquiry Dear Sir/Madam ( if you know the name of the person in charge, the better ), This letter is your formal notice to cease the unauthorized hard inquiries you are making into my XXXX  EXPERIAN credit report. This is also a formal demand for you to immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have these illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had thefollowing unauthorized inquiries taken off my credit report : Line Item : XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Misc. XXXX XXXX Inquiry from XX/XX/XXXX + Misc. XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX + Finance To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. If you have any document that you believe authorizes you or your organization to make the aforementioned inquiry/inquiries into my credit report, I respectfully request that a copy of It be sent to my address so that I may verify its validity. Given the growing cases of identity theft, I 'm sure that you 'll agree with me that verification will protect both our interests. In the event that you do not possess my authorization, I request that once you have removed all unauthorized inquiries from my credit profiles, you should also remove all of my personal information from your records. Please send me confirmation that you have complied with these requests. Thank you. Sincerely,

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 09-06-2016 about Debt collection (Medical) with Healthcare Collections-I, LLC (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: My original creditor advised me to contact HCI and make payment to them. I did contact them and started making payments on my own for the original debt. 
This debt collector calls often but hangs ups when I answer or does n't leave a message. I 've already made agreement to make payments for the debt I owe but they are acting strange and unethical by calling and hanging up on me or calling for no reason.

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 02/16/2017 about Credit card () with AMERICAN EXPRESS COMPANY (NJ).
Issue: Other

Complaint: I was contacted via email by my American Express card company regarding an internal review being conducted on my finances. I have been an AMEX holder for 27 years, not ever missing payments. AMEX emailed me form XXXX requesting access to my 2015 IRS information ; AMEX is concurrently gathering information from the XXXX credit verification services. Meanwhile, they have frozen the account, while they still go ahead and collect my most recent payment. I have never heard about a card company requesting personal tax information and I find this an unacceptable invasion of privacy especially since I offered to provide them with pay stubs in lieu of releasing tax info. I have nothing to hide from a tax standpoint, I just do not believe that AMEX or any other card issuing company has the right to access that information. 
I have 14 days to respond to the request of completing the form. The language used in the email is outright threatening ( please see below ) : " If you fail to provide the documents required within 14 days of the date of this letter, we may take additional credit actions up to and including cancellation of your account ( s ). 
We have placed a restriction on your account ( s ) and no further charges will be allowed until this matter is resolved. ''

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (TX).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Good morning, You have an demand deposit account linked to the email address XXXX,  possibly under the name of XXXX XXXX, his number is XXXX. This person is involved in criminal activity and it is doing fraud. I transferred {$400.00} from my bank account to his account using the mentioned email on XX/XX/XXXX in exchange of concert tickets. He stole my money and never sent the tickets. I requested an investigation from my bank and requested to cancel the transaction within an hour of sending him the money. It was in process at this time. I want Citibank to take its fiduciary responsibility, refer this complain to the Bank Secrecy Act / Compliance Officer, conduct a research, monitor transaction activity in this account, and file a Suspicious Activity Report. This person should be in the radar screen of federal prosecutors as he is committing online fraud activity. See attachment for evidence. Please take action.

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 03-12-2018 about Debt collection (Medical debt) with Continental Credit Control (MA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I had an XXXX at XXXX XXXX ( XXXX XXXX XXXX ) in XX/XX/XXXX. I thought my insurance had covered everything. I never received a bill from the XXXX location. 

In checking my credit report online in XX/XX/XXXX, I saw an unknown debt to a " Continental Credit Control ''. I called XXXX   to dispute when they informed me that it was related to an XXXX. I called the XXXX location and they told me the debt had been sent to the collection agency Continental Credit Control. I never received any phone call or notice in the mail from the collection agency either that that there was an outstanding amount owed. 

My frustration is that the original bill was only {$190.00}. I have worked hard my entire adult life to have a stellar credit score.  Now at age XXXX, when I am finally close to buying a property for the first time, I learn that my credit score has been negatively affected by a bill I knew nothing about and would have paid promptly had I been aware. 

I find it outrageous that the XXXX location and the debt collector can take all these actions that negatively affect me in such a profound manner without ever confirming that I even knew I owed the money. Shouldn't someone have at least called me? Or sent certified mail?

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 10/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: Accepted promotional offers for 0 % interest terms. Paid one entirely and the second expires in XXXX 2018. Company charging interest on second transaction when not supposed to.

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 01/15/2016 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There are several things on all XXXX of my credit reports ( Equifax , XXXX and XXXX ) that are inconsistent with each other. I understand that different creditors report with different agencies however, I am trying to repair my credit and I 've been unable to obtain even a local department store card.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax indicated that my information may have been hacked in the recent data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Credit Technologies, Inc. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: XXXX XXXX refuses to write a letter of each of my payment is the last twelve months they are sending a activity report. All of which prove in the last day of each month a payment was made for the exception where they held a check for an entire month in XX/XX/XXXX and sent in back to me due to no account. a complaint was filed with XXXXthey removed it only to put it back on my report and they have it noted in the system. credit tech. refuses to uses common sense and read my activity that was reported. The offer demanded that it be in a certain format.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I took out student loans for a  XXXX   XXXX  in  XXXX . In  XXXX  I consolidated those loans thru the  XXXX  ( federal loans ) and have been paying on the loans which is serviced by Navient, I think it was originally by sallie mae i am not sure.     I recently retired and called today to find out what i needed to do to ensure my employment information was on file for the public service forgiveness program because i worked for local government and had sent my paperwork in back in  XXXX  and I still had the same employer (  XXXX  county ) and I am now going to a non profit that i believe will qualify.     I was told today when i called that none of the payments i have been making since  XXXX  will actually qualify because i was in a " standard repayment '' not the Income based repayment and so therefore i could enter it now but none of the pas t 3.5 years will count towards the 120 paym ent requirement.     I was shocked by this information because I understood that my payments were qualifying, i have never been la te etc..  so i was hoping to find out if there is anything I can do, I also understand that my interest rate is now fixed at the rate it was set when i consolidated so the only recourse i see is to look for a private lender to refinance the loan at a lower rate if possible AND not get the benefit of the forgiveness program.     I hope you can help

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Disputed final bill amount with XXXX XXXX, for a service activated in XXXX 2015 and cancelled at the end of XXXX 2015 for not providing the services that were promised. This was simply 'bait and switch ' tactic!! 
Contacted XXXX on social media to settle the account. Also sent email to technician that set up the account. XXXX sent a general response but no follow up. 
Supplied evidence to XXXX collection agency on XXXX XXXX with email/ complaint on social media etc. advising them the account was in dispute. 
Supplied evidence of dispute to XXXX collection agency on XXXX XXXX. Agreeing to pay what I considered a fair amount for services used. That was rejected. 
This is unfair and I should not be penalized for services not provided. I am still willing to resolve this matter. I will not pay for the services not provided to me. 
Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 05/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Viking Client Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I rented a car from XXXX. I did not inspect the vehicle because I picked it up late at night in a rainstorm. When I returned the car the following afternoon the attendant asked me how I damaged the front corner panel. I was shocked. I had not damaged the car in anyway. I filled out a statement with Budget that stated i did not inspect the vehicle and I had no idea how the damage occurred or even if it was while I had the car. This was XXXX XXXX. Today, I get a call and a letter in the mail from XXXX XXXX XXXX. The letter has no information on the car, the damage, even the rental date - nothing. It is just a bill for {$470.00}. I called Viking Services and asked for an itemized statement of damage and repairs. I also asked how to dispute the charges. They told me they would send me info on XXXX but have not responded. I told the representative I spoke with i would wait on the line while she collected the info but she said it was a long process. Really? If they want money from me should n't they have all the documentation readily available to them?

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Rewards

Complaint: i never used this card. i was applied as an authorized user. I made a payment inside the branch to bring current and to stay active. the bank never stated my payment would take three - four business days to apply to the credit card. A week later i received a collections letter. i called the collections office and they had no record of my payment. this card should have stayed active as i was making payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/22/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: Well let me start off by saying we're XXXX and can't work, Nationstar thought we wanted to ride for free and make no mortgage payment but that wasn't the case. We was waiting on XXXX to get approve when we try to stay in contact they would hang up or they would talk very rude they say you can't stay for free. I know this but just bear with us for a little bit till I get approve for XXXX and they would hang up.They didn't care if I was on XXXX or not,they we're going to foreclose I told them I needed the make my home more affordable program paper's they say ok then I would never here from them until i call
and this went on for a long time they just wouldn't call just didn't care.Then I would call and for the paper work we will sent it at some point they would stop talking.To us I would call and leave MGS. after MGS and no call so if they really wanted to help don't think they would kept in contact with us.there a lot of homeowner's with Lender that have the same problem just check any web site.We had XXXX suppose to be Dedicated Loan Specialist if they really wanted to help we wouldn't be in this problem.XXXX and all of wouldn't call u back.The last time I talked to XXXX I said I need those paper's to fill out and he ok I'll mail them and he waited till the day of sale date
we need those paper's back now and the sale date was the next day.I call and left a MGS
I need more time.They knew it was to late when they saw my income it was to low they wasn't going to make no deal. So when the sale date was here I called them and they just
hung the phone up and I called a few times. And nothing this Lender just wasn't especially
XXXX people with low income.We can't help it if became XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I received a letter indicating that an account has been sent to collections.I expressed several times that i never received a credit card from these companies and before I take legal actions about this matter I would like for them to resolve this matter.I dont shop at these stores and im not interested in shopping at these stores.I just want my credit to be repaired XXXX XXXX XXXX XXXX XXXX ....

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation