milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/17/2016 about Consumer Loan (Vehicle loan) with CONDOR CAPITAL CORP (MD).
Issue: Problems when you are unable to pay

Complaint: I 've been having on-going issues with my automobile lender, Condor Capital. My primary issue of concern, is that the auto company took my loan off of my credit report while I was still making payments. Although I 've made monthly payments, it always appeared that I carried a balance, which in turn additional penalties and interest applied. So regardless of my monthly payment, I was always behind. Although I purchased my vehicle in 2012 for {$15000.00}, I still have a balance of over {$13000.00} after four years. There 's something terribly wrong here. Also, my car was repossessed this morning. I have n't received a phone call, an email, a letter in the mail - only to pay the bill, which I disputed because I had issues with the payments posting incorrectly. I can not understand how a company can operate under such pretenses.

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 09/15/2016 about Mortgage (FHA mortgage) with CITIBANK, N.A. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Citimortgage charged me with fees related to foreclosure while I was in a chapter XXXX bankruptcy. These fees were not approved by the bankruptcy court. Also the attempts at foreclosure occurred while I was under the protection of the SCRA, while XXXX with the XXXX in XX/XX/XXXX-XX/XX/XXXX. My chapter XXXX was discharged in XX/XX/XXXX, and all debts that were approved by the court were paid. Despite my discharge, Citimortgage has refused to remove the fees. I am preparing to refinance and the fees will have to be paid before I close.

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 07/25/2016 about Consumer Loan (Installment loan) with Rausch, Sturm, Israel, Enerson & Hornik, LLP (TX).
Issue: Problems when you are unable to pay

Complaint: I have been sued and a judgement against me. I never knew about the judgement, as I responded but never got a court date to appear. the statue of limitations has passed. When trying to set up payment arrangements I never received any type of office to send the monies. I have now relied a notice of Application for Appointment of receiver. I can not get ahold of either of the debt collector attorneys.

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 10/24/2015 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: While viewing my EQUIFAX credit report, I noticed an unauthorized and fraudulent credit inquiry was conducted by XXXX on XXXX/XXXX/2015. I did not authorize anyone employed by this company to initiate an credit inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681 b ( c ) .XXXX were not legally entitled to unilaterally review my credit report without my written consent, thus, this was a fraudulent inquiry and a serious breach of my Privacy Act.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: i believe this account is not even belong to 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 08-03-2016 about Debt collection (Payday loan) with Global Trust Management LLC (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: On three occasions the debt collection agency, Global Trust Management, hired by XXXX has contacted me at work after verbally asking them to not call me at work because my employer does n't allow it. The last call I received was on XXXX XXXX at XXXX and twice in XXXX. 
I feel they have violated the Fair Debt Collection Act when calling my place of work three times when asked constantly not to.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Shellpoint Partners, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I was denied a HAMP modification based on an income of {$2600.00}. I do not see where or how Shellpoint came up with this income when I provided Shellpoint the documentation reflecting my monthly income to be {$4800.00}. I receive {$1500.00} in XXXX for which I 've provided an award letter and a check stub from them. I also provided my pension award letter which I get as a monthly amount of {$1900.00}. My son is a contributor since my husband, his father passed, and he contributes {$1300.00} monthly to my household income. I have also provided Shellpoint his paystubs and contribution letter. Shellpoint has all the information necessary to reflect my income being {$4800.00} yet they came back with a much lower gross income. I can not afford to lose my home because of negligence. Please help me stay in my home. I have never ever been late on a payment up until now. I need my loan to be modified! I need Shellpoint to help me!!! I have every intention necessary to pay off my loan and pay it on time with a new principal and interest mortgage payment. I have the history to reflect that I have done so all these years so far.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (IL).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: CHASE has been denying use of the credit cards they provided me, even though there has been plenty of credit and cash availability on the cards. I have emailed XXXX XXXX of the CFPB. Please follow with him, he has additional background to share.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I filed for Chapter XXXX Bankruptcy on XXXX/XXXX/XXXX. I signed a reaffirmation that same month and the copies were sent to Wells Fargo Dealer Services. Wells Fargo requested the documents with the wet signatures from my attorney, XXXX XXXX. They were sent inXX/XX/XXXX and were received by Wells Fargo. My bankruptcy was discharged in XXXX XXXX and I began to check my credit report for accuracy. I disputed my Wells Fargo account because it showed that it was closed. I did this twice and both times, nothing was updated. I called Wells Fargo in XXXX and they informed me they never received the wet signatures, so the loan was included in the bankruptcy. I immediately contacted my attorney who did some research and according to XX/XX/XXXXthey did receive the wet signatures, but someone ( it 's not listed who ) determined the documents were not the originals and did not have the wet signatures. My attorney is requesting the documents be sent back to us to prove they are not wet signatures, but I am lodging this complaint as well as I believe my attorney did send the correct documents and we need to know who decided it that the docs were not originals. I pay on my car every month and I should have my credit report reflecting the information correctly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/24/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (IL).
Issue: Application, originator, mortgage broker

Complaint: In XXXX, I initiated a rental agreement with the Homeowner to utilize the backyard for a community garden project in the XXXX of XXXX. XXXX, I began renting the home from the Homeowner on a month to month basis with the common interest of making needed repairs on the property. XXXX XXXX, I was contact by the Homeowner that the property was in foreclosure which was owned by XXXX Bank at the time. In early XXXX, the property was auctioned off to XXXX XXXX. In late XXXX, I attempted to purchase the home from XXXX XXXX and was denied a mortgage. In XXXX, my son, XXXX XXXX who is a veteran, attempted to purchase the home along with his wife and he was told that he did not have sufficient income and he was not approved. He had sufficient income and sound credit when he applied. Eviction proceedings were initiated at that time. Late XXXX, I gave a check in eviction court to XXXX XXXX for the amount of {$80000.00} certified funds and I was told in court that the price was {$390000.00} and that my offer would not be granted. After that court hearing, I had the property appraised showing that the property was only valued at {$70000.00}. My offer was for {$80000.00}, {$10000.00} more than what the property was appraised at the time. The property was then listed on HUBZU.com for {$85000.00}. I have submitted offers to at minimum XXXX auctions on line, I have remained the highest bidder in the last several auctions and my offer has yet to be accepted. At this point, the lender seeks to evict me and my family from the property. I live in the home with my XXXX year old mother who is a recent XXXX and I have made every effort to remain in place and satisfy the debt of the lender who refuses to work with me on any resolution. 
There has been significant confusion of who OWNS the property and who can accept or reject my offers to keep the home. The property located directly north of the home was sold for {$71000.00} which further demonstrates that this property is not worth the requested {$390000.00} of the lender. 
The appraisal of the property cost {$300.00} to verify that all information stated is true and verified.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I paid an account off to the collection agency, XXXX XXXX XXXX ( for the XXXX account ) in XXXX, 2015. After 30 days I had n't gotten a " paid in full letter '' from them so I contacted them. They sent me the letter but, to this date, the judgement still appears on my credit report, as well as the amount showing as still owed and not paid. I will write a letter to XXXX and Equifax about this matter but would appreciate any help expediting this process. 

Thank you ... XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Payday loan, title loan, or personal loan (Installment loan) with Atlas Credit Company, Inc. (TX).
Issue: Struggling to pay your loan

Complaint: I took out this {$300.00} loan in XXXX 2017 and have made the first 3 on-time payments. I got fired from my job and am no longer able to make those payments. I 've discussed my dilema and theh have continued to threaten to keep calling me and my family. I sent a cease and desist letter on XXXX XXXX, 2017 and they have continued to call me and my family. I agree that I owe the debt, but at the moment I do not have any funds to pay it. And no longer live in the area due to an eviction, so I can not come in to speak with someone. I 've spoken over the phone and via text.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Debt collection (Medical) with A/R CONCEPTS, INC. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: This was settled in bankruptcy however they have n't removed it from my credit report and it still shows open!

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2015 about Mortgage (Conventional fixed mortgage) with FIFTH THIRD FINANCIAL CORPORATION (IN).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage with Fifth Third Bank and I continually have issues with the processing and application of my payments. I have also recently discovered that Fifth Third Bank has misappropriated my property taxes which has created a delinquent balance and has been charging unwarranted fees. Also Fifth Third Bank has been misinforming credit reporting agencies which has damaged my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Debt collection (Credit card) with Admin Recovery, LLC (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: A collection agency called Admin Recovery has been calling my workplace. I 'm usually too busy to take personal phone calls while I 'm working so a coworker will take a message for me. This evening, a representative who called himself " XXXX '' called after I had already left and told my coworker that if I did n't call him back that he was going to call my company 's corporate office to complain and he hung up on her. I do n't appreciate my job being threatened over something like this. The behavior being exhibited by this company is, in my opinion, highly unethical. I moved last XXXX and none of my mail got forwarded. It took a while to get it settled and put me really far behind on some of my bills. I 'm catching up as fast as I can but I 'm a single mother working XXXX hours a week in a XXXX and it 's hard. I ca n't believe that man would threaten to call corporate on me like that!

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have many things on my credit report that do n't belong to me. Their are addresses that I have never lived at and my name is spelled wrong as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a foreclosure with XXXX XXXX 4 years ago and they continue to report it as a missed payment every month even though the house was sold 4 years ago so on my credit report it looks as though I 'm still missing payments and in arrears

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Checking or savings account (Checking account) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: Hi, I opened an account with Regions Bank around XXXX XXXX, XXXX. They were running a promo for new checking accounts with the code XXXX. This promo stipulated that 10 XXXX check card purchases needed to be done within 60 days of account opening, as well as enrolling in online statements. Once both were performed, the owner of the account would receive a {$400.00} bonus from Regions. I enrolled and committed the purchases by XXXX XXXX, XXXX. Regions decided to close my account without any notification shortly after that. I did n't receive the bonus and I did n't even receive any information whatsoever as to my account closing unilaterally by them.

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 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I've made several attempt to dispute the bankruptcy showing on my reports to XXXX  but to no avail. I contacted XXXX XXXX the reporting company for XXXX and they indidcated the Bankruptcy in XXXX and 2017 that was claimed to be filed was removed and XXXX  has fail to update or refresh their records. According to XXXX XXXX, those bankruptcy should not be showing on my credit report. I've also reached out to the bankruptcy court who informed me that XXXX has not contacted them for any information.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Bank account or service (Checking account) with DISCOVER BANK (MD).
Issue: Account opening, closing, or management

Complaint: XX/XX/XXXX, I received in the mail an offer from Discover bank to open a checking account and link direct deposits to receive a welcome bonus of {$300.00}. I submitted the application online using the promotion code and supplied information to fund a new account from an existing checking account with another bank. I noticed after a couple weeks that I did not receive any follow-up communications from Discover nor had my initial deposit been taken from existing checking account to fund this new account. I contacted Discover 's customer service and after researching they realized they had a system error when it came to verifying my name. I was told I could reapply even though it was outside the offer period, but that notes would be included in my profile to give me the welcome bonus once I satisfied the direct deposit requirements. I did satisfy those requirements, and confirmed it with customer service in XX/XX/XXXX, and again in XXXX 2016. I was told by customer service I had completed the requirements and that communication would be sent to their rewards dept to send me the bonus. Last week upon inquiring again the status of this bonus, I was told by their rewards dept that I didnt meet the requirements because I opened the account outside the offer window. This goes in direct contrast to what was explained to me when I resubmitted the application so they could correct their error and again when I confirmed I had satisfied the requirements. Had they told me months ago that they could not honor their offer then I would never have gone through the hassle of setting up a new account and linking my direct deposits.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-03-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (FL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: When I opened my XXXX store card I was unaware I was signed up for Synchrony Bankcard security services, the fees were not disclosed to me every month they charged my credit card an Average of $ XXXX plus the interested from my credit card in a year this company charged me over {$160.00} without my consent I recently called to cancel their service on XXXX XXXX, 2017, and I notice even after I cancelled this company still charged me and making the interest on my credit card go up even though I pay more than the minimum on my credit card!

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 05-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I paid XXXX XXXX XXXX for a XXXX Collections for XXXX XXXX XXXX on XX/XX/2015 and they sent me a letter of confirmation however they are still reporting that I owe this money on my credit report. 

RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Partial Account # XXXX ... 
Address Identification # XXXX Original Creditor 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
Consumer complaint received 02/16/2018 about Money transfer, virtual currency, or money service (Money order) with Coinbase, Inc. ().
Issue: Unexpected or other fees

Complaint: In XX/XX/XXXX I was charged XXXX euros for no reason by Coinbase

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Debt collection (I do not know) with Union Adjustment Company, Inc. (CA).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I would like to say false statement is correct on the drop down statements but crime by not paying debit is not correct but system will not go forward without choosing XXXX more choice and there is not a correct XXXX for my complaint ... ..so pls disreguard my choice on XXXX drop down ) Under XXXX report info there is a collections from XXXX CITATION CENTER for {$110.00} which has been paid in full and shows closed, with a derogative remark which I feel very strongly needs to be removed .I continue asking for assistance with this matter. A little background would be in XXXX trauma accident XXXX I share that info only to show how until last year ( 5 years after accident ) I was not in any condition physically or more importantly mentally and emotionally to absorb most things going on around me on a daily basis. In XXXX I came across a bill ( from XXXX citation ) for {$110.00} which showed no indication what it was for ( Ihad had a bill for the same amount for XXXX transpotation which was directed XXXX so therefore I THOUGHT THIS WAS SAME DEBIT AND HAD BEEN TAKEN CARE OF AS IT WAS NOT MY BILL. I called immediately and asked what info was attached to that bill, I apologize at this time as I cant recall what the lady on phone told me but I recognized that the item was my debit and so I explained my circumstances and sincerely apologized and paid the debit immediately during the phone call, as was my responsibility .I have been recently been trying to work on my credit as within 2 months of accident many thousands of debit was fraudulently put in my name, I am very glad to say that for someone who has never had bad debit issues my credit score is now repaired and therefore to read on my credit report that this company choose to put " disputed resolved, customer disagrees " is so distressing to me when I agreed the debit was mine and paid with no problem and I also observe account reported XXXX XXXX XXXX and then again XXXX XXXX XXXX??? what does this mean? ( I question if the customer service with this company gets a bonus or at least recognition for any debit collected and if it seems like they worked hard, put pressure and received payment they shine brighter to management, more than simply taking a payment by phone??? THIS WAS NOT THE SITUATION ) YET this agent felt it necessary to put such a remark which stays negatively on my credit report, its is false .Thank You for your attention in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation