milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with KBHS Home Loans, LLC (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I went to XXXX XXXX this past weekend on Sat XX/XX/XXXX to purchase a new home. They stated they would have to cross qualify me. I did not authorize or sign anything for them to run my credit. I did fill out the basic paperwork and contract which did include my ss #. However, I told the lender I would have my lender send them all the current information I just gave them. I had the lender from XXXX XXXX XXXX call me on Sunday  XX/XX/XXXX stating he would need some information. At that time, I told him I was on vacation until a week more and told him not to run my credit as my current lender would send him all my recent information. I received notification today from my credit company that a hard inquiry was made on my account. I spoke with him and he admitted to running my credit today and said he thought he had the form. I am super upset that this person XXXX XXXX took it upon himself to do this. This has now lowered my credit report number. His information is below. XXXX XXXX Loan Originator KBHS Home Loans LLC XXXX XXXX XXXXXX/XX/XXXXXXXX, 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
Consumer complaint received 12/21/2016 about Debt collection (Medical) with Io, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is an inaccurate and invalid collection account placed on my credit report that is not my own. I have sent letters to all XXXX credit bureaus regarding this debt and still continue to see it reporting, this is a gross violation of my consumer rights and under the Fair Credit Reporting Act, I demand that they either furnish documentation verifying this account as my own or immediately remove this file from my reports

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I was an authorized user on my grandparents checking account-only for emergencies. In either XX/XX/XXXX or XX/XX/XXXX, the account was closed. I was not aware of the accounts status because another family member began overseeing the account. Hence the fact that I had not been active with the account, I forgot that I was actually authorized for emergency use. Four years later, the charge-off appears on my credit report. I am not responsible for any charges remaining on this account.

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 11-08-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I spoke to a representative at Bank of America on XXXX/XXXX/XXXX on XXXX occasions. The first XXXX informed me that the extensive holds that they had on my funds XXXX in the amount of {$1000.00} was scheduled to be released to me on today which is XXXX/XXXX/XXXX and checking my account online before going to bed i see where the {$1000.00} was no longer there it was combined with another hold showing {$2700.00} on hold which all of these hold began on a XXXX XXXX deposit in the amount of {$6800.00} that is in violation for holding this long. There is also a hold in my savings account in the amount of {$3800.00}. This has caused a hardship and lot of stress and mental anguish on 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 08/30/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I am seeking the legal dates of first delinquency on my former XXXX XXXX, now Navient, loans. Navient 's website, my recollection, the Navient phone reps, and my credit reports all disagree. Despite emails to Navient and phone calls and multiple requests to speak with a supervisor, I am given multi-levels of conflicting and inaccurate information. I believe that Navient has purposefully misstated the original delinquency dates in it 's records/credit reports to manipulate me into paying the debts. I am currently paying their collection agency, but some Navient representatives say they do not even have access to the name of the collection agency, that the Navient website no longer works, that the Navient website does n't get updated anymore, that the Navient website is not updated for people in collections, and that the website works fine and there is no reason for someone to have told me that. No one seems to be able to access my records other than to give me inaccurate delinquency dates. I am trying to obtain a legal document in writing detailing my dates of delinquency for each loan. I have tried to reach someone to explain why I think that they have the dates wrong, and to discuss searching for the correct ones, but I have been unable to reach anyone who can help at Navient. Furthermore, I was told repeatedly that I could not speak with a supervisor. Eventually, after arguing my case for getting a supervisor on the phone for an hour, I was transferred to someone 's voicemail that was so garbled, I did not even understand the name of the recipient. I left a detailed message asking for a call back and have not received XXXX. Therefore, I am concerned that said document may be inaccurate anyway and would prefer to discuss live in addition to receiving a written letter ( not an email ).

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Consumer Loan (Vehicle loan) with LOBEL FINANCIAL CORPORATION (CA).
Issue: Taking out the loan or lease

Complaint: Lobel financial called me the employer several times requesting sensitive business information and kept threatening me that they were not going to give my employee the loan because of me. They asked for my banking information. They are just supposed to verify employment. Very unprofessional.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Mortgage (FHA mortgage) with LAKEVIEW LOAN SERVICING, LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was sold to Lakeview Loan Servicing/XXXX in XX/XX/XXXX. I have been having one problem after another with them, from not paying my homeowner 's insurance out of my escrow account and threatening to take out a very expensive policy on my home ( this has been resolved ) to failing to respond to or resolve a property tax error that is costing me hundreds of dollars every month in additional fees. 

According to XXXX, my estimated total annual disbursement amount is {$5400.00}, when it should be {$2700.00}. 

I first notified XXXX by email of the error XX/XX/XXXX. I received a notification that the issue was being forwarded to the tax team for review and resolution on XX/XX/XXXX. No one from the tax team corrected the error or contacted me to request additional information and the problem was not resolved. 

After speaking with a customer service representative XX/XX/XXXX, I emailed a copy of my tax documentation as instructed. In the meantime, my escrow account was assessed at XX/XX/XXXX and {$200.00} in additional escrow payments were added to my monthly payment. 

More than a month after reporting this problem, I mailed a letter with delivery confirmation, as detailed on the XXXX website, documenting the issue and providing supporting documentation. The letter was delivered on XX/XX/XXXX. According to XXXX, I should have received confirmation of receipt within five business days and a more detailed letter with a timeframe for resolution within 15 calendar days. I have received no communication whatsoever. 

I made one additional attempt to communicate with XXXX by phone on XX/XX/XXXX. The representative I spoke with spoke with his supervisor, who confirmed I have submitted everything required. I was told it had been escalated to the tax team and that I should not make my monthly payment until he called me to confirm the issue had been corrected. I asked that these instructions be emailed to me and was told they would ; I have received nothing. 

I have followed all procedures to communicate about this error and made every effort to resolve it with XXXX. At this point, I have to wonder whether this is simple incompetence or whether the company is illegally padding escrow accounts. Either way, I am trapped with this dreadful company until I am in a position to refinance my mortgage.

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 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX  signed reaffirmation agreement for mortgage ...  Wells Fargo.     XXXX  called  Wells Fargo  for another reaffirmation agreement. I received it in late  XXXX  and sent it back to them. They said it took long to receive and the debt was now discharged. My bankruptcy papers show where I am reaffirming my mortgage and my car. It 's listed on page  34 .    XXXX  asked  Equifax  to investigate and sent them proof of payments and BK information.

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 07-08-2016 about Debt collection (Medical) with Revenue Recovery Corporation (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was involved in a car accident and was not at fault. The claim was filed with the other person 's insurance company. The insurance company never paid the claim and as a result I was held responsible for payment of the ambulance transport. The ambulance fee was sent to collections on my credit report. I paid the balance and it is still showing on my credit report as an unpaid and open collection.

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 06/30/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NJ).
Issue: Account opening, closing, or management

Complaint: I received an offer to apply for a Citibank CitiGold Checking Account, with a sign-up bonus offer of XXXX XXXX XXXX miles after completion of the terms ( a direct deposit, 2 monthly bill payments, etc ). I completed the terms of the offer. I sent a message asking to confirm completion of terms and when to expect the miles. I was assured that I completed the offer and I would receive the miles on XXXX/XXXX/06. On XXXX I sent a message to make sure the miles would post as promised, only to receive a reply that I was not eligible for the offer and therefore would not receive the bonus points. I am not satisfied with this. I have evidence of the terms of the offer I signed up for, a message from Citi acknowledging that i was 1 ) eligible 2 ) have completed the terms and 3 ) should expect to receive the bonus. I would appreciate your assistance with this matter!

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 10/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (IL).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: OK ... .FIRST OF ALL, I HAVE A CEASE AND DESIST ORDER AGAINST THIS COMPANY. I RECIEVED A LETTER YESTERDAY ASKING FOR MORE XXXX DOCUMENTATION REGARDING MY ID THEFT CLAIM. I AM NOT SUBMITTING ANYMORE STUFF TO THESE PEOPLE!!!!!!!! I WAS LUCKY TO EVEN BARELY FILL OUT THAT XXXX FRAUD PACKET AND SEND THEM A COPY OF MY XXXX ID, AND THEY STILL WANT MORE XXXX!!!!!!!!! I AM NOT DOING IT!!!!!!! GOT IT?!!!!! THEY WERE XXXX TO YOU GUYS ABOUT GETTING A FRAUD PACKET, THEY GOT EVERYTHING THEY ASKED FOR AND STILL WANT MORE!!!! UNACCEPTABLE!!!!! THEY ARE NOT SUPPOSED TO BE CONTACTING ME AT ALL ABOUT THIS DEBT, AND THEY ARE STILL DOING IT, I GOT NOTIFICATION FROM THEM YESTERDAY BY MAIL!!!!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2015 about Consumer Loan (Vehicle loan) with BMW Financial Services NA, LLC (CA).
Issue: Managing the loan or lease

Complaint: I purchased my certified pre-owned vehicle from a reputable BMW dealership in XXXX, 2014. I then had to take my vehicle in due to the car stalling and having to be restarted at times when I stopped at red lights or random traffic stops. I took the vehicle in this last time a couple of weeks ago as the car did not turn back on in the middle of a busy traffic Intersectin in XXXX California. A BMW dealership had to replace the complete fuel system at this time. I asked that BMW repurchase my vehicle since it has been documented that it is no longer safe. BMW, NA only offered to make me a lump sum payment of {$1500.00}. I do not feel that this vehicle is safe. I do not have the resources to not drive it and purchase another one. I have tried to deal with BMW but I feel like I 'm being pushed to the side and that they are not concerned with the serious safety issue this vehicle poses. I need help because I do not want to get into serious injury or worse because of the factory vehicle deficiencies.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have an account with TransUnion that allows me to view mt credit report and credit score. The score that Transunion publishes is called a XXXX ( TM ). They listed my score as XXXX. I contacted a mortgage company for a Refinance, and they told me that based on their model, my score is XXXX. Even though I understand that there are different criteria and methods for calculating a score, one would not understand there could be such a large discrepancy. I was mislead by the high score calculated by Transunion criteria. Now I am at a great disadvantage having made plans to refinance at this time.What recourse do I have, since I am dissatisfied with the service I have paid for with TransUnion for XXXX years at {$17.00} per month? By the way- the lender called the scores entered by the credit bureau services " FAKE-O '' scores instead of FICOH scores. It seems very unfair, how can consumers play this game if we are not on a level playing field.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (FL).
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: Chase XXXX XXXX has reversed several alleged fraudulent and/or unauthorized purchases to the primary account holder that were made by me, as an authorized user and very known to the primary account holder, without any investigation whatsoever, which has locked me out of many of my accounts including my XXXX account. The primary holder decided to make these fraudulent disputes after I had moved out of the residence without contacting me. This has caused a very dangerous situation, including reversal of FIVE ( 5 ) car payments that I had made, causing my car loan to become over 120 days past due, insurance payments and additional bills that I had paid, as authorized user, while the primary holder was well aware of EVERY SINGLE TRANSACTION I HAD MADE AND HAS MADE NO ATTEMPT TO CONTACT ME PRIOR TO REPORTING THESE CLAIMS. THE PRIMARY USER HIMSELF HAS COMMITTED FRAUD!!! 
Chase had issued two credit cards that were requested by the primary holder for me to use as authorized card holder, cards ending in XXXX and XXXX, that were personally requested by the primary cardholder and given to me by the primary card holder for use as an authorized user to make purchases, with my own cards that included my name, that the primary account holder acknowledged and personally handed to me at the residence where we lived together. I have paid several of my bills that are very known to the primary holder and I have also paid the primary holder thousands of dollars towards said bills. MONTHS later, I am finding out that most of the charges that I made ( ALL THE WAY BACK TO XXXX HERE WE ARE IN XXXX ) were REVERSED AND THE PRIMARY HOLDER HAS RECEIVED SEVERAL REFUNDS!? NONE OF MY CHARGES WERE FRAUD OR UNAUTHORIZED!!! This is a very dangerous situation causing me to repay several of my merchants that I was previously authorized to pay bills to by the primary cardholder. Chase will not speak to me since the primary holder has removed me from the account. Chase should not be issuing authorized user cards and then allowing primary holders to claim at least NINE ( 9 ) claims of fraud/ unauthorized use without any investigation. Without some proof of " unauthorized use '' ( which is impossible if I was an authorized user and was permitted to use the cards ) I should not be subject to repay my merchants because of Fraud/ Unauthorized use under Federal or State laws which include as an element actual, intentional, unauthorized use. This is bad faith to consumers. HOW do my charges, as authorized user, get reversed MONTHS LATER!? MY CHARGES ARE NOT FRAUD!!!

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Mortgage (Conventional fixed mortgage) with Servis One, Inc. (MN).
Issue: Loan servicing, payments, escrow account

Complaint: Working a short sale for XXXX of our clients. File was submitted to the jr. lien holder on XXXX. On XXXX we received XXXX lien approval in which the approval letter expires on XXXX. There has been no contact to the law firm from BSI except for a couple of occasions. On XXXX BSI was informed that the XXXX lien approval letter expires on XXXX. On XXXX BSI was contacted for an update - no updates were made to the file. On XXXX was advised that the file was submitted to the investor for approval and to allow 10 business days for the approval letter to be received. As of today XXXX we still have had no contact from BSI to the approval and not approval letter has been received. This is unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Payday loan, title loan, or personal loan (Installment loan) with FIRST NATIONAL BANK OF PENNSYLVANIA (PA).
Issue: Struggling to pay your loan

Complaint: I have 2 loans with XXXX XXXX in XXXX, PA ( formerly known as XXXX XXXX XXXX XXXX ). I am having issues paying on the larger payment loan ( $ XXXX/mo ). I have done my best to keep up with the payments but due to illness and income issues, I have fallen behind and a friend brought me current 2 months ago. Because of communication problems with XXXX, it was established that my account was only to be handled by a manager, however, today a rep from XXXX  showed up at my residence demanding that I bring the account current and requesting a post dated check. When I told her my bank does not allow me to issue checks unless I get them preauthorized ( to guarantee funds availability ) she became abusive and harassing. I believe I have legal protections that shield me from being harassed or abused about the debt and I need help in getting this practice stopped. They have already discussed personal information about the debt to a non-authorized person and this needs to be stopped, as it is unacceptable. 
Any assistance you might provide is appreciated. 
Respectfully, XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 10-07-2016 about Credit card () with TD BANK US HOLDING COMPANY (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: TD bankUSA, N.A. issued a Nordstrom Credit Card under my name without my authorization/application

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In XX/XX/XXXX, my 1st and 2nd mortgages were held by XXXX. After trying to proceed with loan modifications for both loans, I was not given any resolution. Instead, both loans were sold off instead of responding to my request. The 1st mortgage went to XXXX XXXX Loans and the 2nd loan went to XXXX XXXX which is now XXXX. This 2nd is listed as a charge-off with all three credit bureaus, however, the dates vary as to when the loan was placed in default. The total current amount due is {$56000.00}. My credit reports shows the last payment made on the 2nd was XX/XX/XXXX. Yet each credit bureau shows differing dates of either XX/XX/XXXX or XX/XX/XXXX. I have tried to dispute this 2nd loan with all three credit bureaus and it has worked against me. I have proof of the documentation and it states the statute of limitations has passed ( 4 years in California ). I am upset at the fact that XXXX sold this loan off instead of making arrangements with me to modify. Now, XXXX keeps changing the dates this loan was purchased and it is reflecting on my credit reports. I would like an investigation done to have the dates updated. I know XXXX XXXX had a case against them due to this very 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 explanation
Consumer complaint received 05/29/2015 about Debt collection (Medical) with Credit Bureau Collection Services, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I habe received numerous letters from a collection agency regarding a XXXX bill that I do not owe. I replied several times including copies of bills that show there is a XXXX balance, but I continually receive letters that they checked on this and that I still owe this bill. I have now wasted so much of my time speaking to both the billing office at the doctors office and speaking to this debt collector and writing letters that it has become ridiculous. It is not the money but the principal of the matter that I should have to pay a bill I do not owe. Also I am worried about my credit, which I am trying to reestablish after a bad credit history due to a criminal act. Please help me with this.

Company response to consumer: Closed with non-monetary relief