milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/17/2017 about Debt collection (I do not know) with D2 Management LLC (MS).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I received the first call  XXXX   XXXX   2017  from a representative  of D2 M anagement. I was not advised this was an attempt to collect a debt. The caller asked for me, stated the last  XXXX  numbers of my  XXXX  and continued to say I owed this money and without paying I 'd be served small claims summons for various infractions. When I asked for verification and stated I had no knowledge of this debt I was told I did n't need it and the call was disconnected. On  XXXX   XXXX ,    2017  I again got a call with the same initial statements. When I told the lady I had no idea what she was talking about, she gave generalized information and stated that the only notification I would receive would be court summons. When I asked to not be called again and was disconnecting the call, I was then told this was an attempt to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have 2 Accounts that have been paid off and they are showing derogatory on my credit and I will like them deleted for reporting incorrect information, XXXX XXXX XXXX and a XXXX XXXX account I need help in getting this updated or removed from 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 explanation
Consumer complaint received 05/19/2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Customer service / Customer relations

Complaint: Chase Bank Slate Card : Handling of dispute between myself and an automobile repair facitlity was grossly mis-handled and after being assured that it would be investigated and I contacted if anything updated, the disputed {$150.00} charge was put back onto my card on XXXX/XXXX/16 without so much as a message to that effect.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/22/2018 about Checking or savings account (Savings account) with CITIBANK, N.A. (CA).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: Hi, I 'm a Citibank customer. They offered saving promotion which you deposit Requirement : {$25000.00} minimum and then you would get {$700.00} Savings Bonus after 3 months. 
So I applied for the promotion online around in mid-XX/XX/XXXX. 

Then after around 2 months, I called Citibank and asked about the reward. The customer support told me that it is not 3 months yet and told me to call back later and gave me the promotion code. Promotion code : XXXX. Then around 4~5 months time, I called in again and asked why I have n't received the money. Then the customer support told me because many people applied for the reward Citibank has to gather the money and distribute all the money at once and asked me to wait. 

Then in XX/XX/XXXX, I called in again and asked why I still have n't got the reward. This time Citibank told me I do not qualify for the promotion so I that is why I have n't got the money. I told them why I 'm not qualified, I kept {$25000.00} in the saving account. They told me I did n't deposit the money during that promotion time and was deposit before. Then I asked them, then why did n't you tell me the first time I called the customer support. This is the 3rd time I call and you are telling me I do not qualify after all these months. Why did n't tell me the first time? They blamed on the previous customer support and I was furious. 

This is really bad business practice and a dishonest bank.

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 04/19/2017 about Mortgage (Conventional fixed mortgage) with M&T BANK CORPORATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: A qualified written request was submitted to the lender on   XXXX     with no response and no postponement of the sale date to allow time for there research to provide the requested loan information and history to assist the client in keeping there home ).

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 09-04-2017 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: Credit inquiries on your report that you don't recognize

Complaint: Several inquiries on my credit report which I did not authorize and/or recognize. Please remove these unauthorized credit inquiries immediately. 

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/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.

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 04/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I received a notice on my credit report today that indicated that XXXX XXXX and Walmart ran a hard inquiry on my credit report from XXXX Florida which I never authorized. I called and they claimed to have cancelled my application and that there was only one application from today. However, I have voicemails from last week from XXXX XXXX seeking to verify my loan application for fitness equipment ( XXXX ). I separately received a phone call from XXXX asking about my purchase. The Synchrony representative claims that they don't have any record of this other application as well. This is clearly a sketchy finance company based on the other records in the complaint database. I do not know where they are getting my 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 non-monetary relief
Consumer complaint received 03/21/2017 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Transaction issue

Complaint: USAA credit card division has a collection agency harassing me daily for a phony charge of {$3500.00} for merchandise that USAA has been in possession of for over two years!!!!!!!! 

USAA is full of lying, dishonest, scheming, unprofessional corporate creeps!!!!!! 

ATTENTION ALL MILITARY PERSONAL, PLEASE DO NOT BELIEVE THE USAA COMMERCIALS STATING THEY SUPPORT YOU!! 
THEY DO NOT!!!!! 
THEY WILL STICK IT TO JUST LIKE THEY DID ME!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Mortgage (Conventional home mortgage) with WATERSTONE MORTGAGE CORPORATION (IA).
Issue: Closing on a mortgage

Complaint: Around XX/XX/2017 I was in the process of getting a home loan with XXXX XXXX XXXX in XXXX IA, in that process I had received my letter of credit approval, I did everything the mortgage company asked on paper submitting paper work in. Well we got to closing date and then after all that work and having the seller ready to close the mortgage company said we couldn't close because I did not qualify. Well I called the company and then the confusing part and what makes me want to share so public know. Is that my Wife had used them in the past and my daughter was in the process as well of getting a mortgage loan from them. They started mixing my personal stuff with my wife 's company files from when she had used them. I asked them with what authority or who had let them go through my wife 's files so they could qualify me? My wife called as their agency was calling her company to get financials from her which were not necessary. She let them know that she had nothing to do with the loan that I was getting or her company. Then when I talked to them again they were trying to mix my file with daughters file so I could get qualified. Then the Seller reached out to them letting them know how unprofessional they looked in doing so they told the seller without my consent giving them false financial information about my family. I ended up taking my business somewhere else and luckily the seller understood and we closed with another mortgage company. Again the suspicious thing is they had no authorization to do that without my daughter and myself being aware. to We stopped the process I wanted a proper explanation all I got was that I had no need for the loan and that they made a reference towards my family as we did not have money without facts that excuse seem the most unprofessional excuse. I would not recommend this mortgage company to anybody their employees say one thing give you papers and then last minute always changes with huge increases and little explanation to why, also the fact that they are using other peoples files to approve another person raises a flag. I do urge this be investigated in dept so this experience and public people files are safe.

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 09/23/2017 about Mortgage (Conventional home mortgage) with BB&T CORPORATION (GA).
Issue: Trouble during payment process

Complaint: My complaint is against the Escrow Department with BB & T Mortgage. I have tried numerous times to resolve this issue. I have Paid my mortgage payment on for over 15 year, even through a bankruptcy. My home value in XXXX XXXX Georgia is XXXX or more according to XXXX XXXX assessors office. I pay taxes on a home valued at XXXX. But BB & T bank is valuing my home at XXXX for the last 9 years with no increase in value. I pay my taxes and insurance payments out of my own pocket not from Escrow. this past year. .How would any person feel paying property taxes on a property that the bank is saying is worth half of what I 'm paying taxes on ... .Enough is Enough BE Fair

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 09/21/2017 about Vehicle loan or lease (Loan) with World Omni Financial Corp. (GA).
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint: On XXXX XXXX this year I went to XXXX XXXX in response to an add that they had offering XXXX % interest on a new Rav XXXX. I spoke to salesman conf ; irmed with him the XXXX % rate would apply to my sale. They had a card sent from another dealership and I returned on the XXXX. On the XXXX I spoke with the salesman again confirming XXXX % apr rate as advertised. stressing that I would not be buying were it not the case, in fact had been looking at a XXXX and generally preferred it but the rate would save me so much money that I was convinced to go with XXXX. The salesman wen through his speal, we had agreed on a price the day before, he actually came in a little lower in this particular vehicle. i did not try to haggle with him as I was saving so much on financing. I have puchased vehicles on prior occasions from XXXX, just not this dealership. We went to the finance girl who typed up the documents. HEre again we discussed how great the XXXX % rate was. THERE WAS NEVER ANY MENTION OF ME PAYING ANYTHING OTHER THAN XXXX % during our conversation. I left the dealership thinking that I had signed up for XXXX months of XXXX % as advertised, and as was sent to my XXXX mail.- The print on the documents was too small for me to make out without a magnifying glass. 
and the documents were fed too me in such a m anner that I did not see the rate. As I trusted this Company and had no reason not to trust them I did not question anything, until I recieved a letter from XXXX XXXX XXXX XXXX, stating that the APR had been incorectly stated as XXXX and should have XXXX instead. This was the first I knew about the bait and switch. I called the dealership and was told to come in and speak to XXXX XXXX the following day. I did and he told me that what they did was legal, I signed the paperwork and I woulod be sued if I told anyone about what had happened.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: An IRS Tax lien was withdrawn on  XXXX / XXXX /   2017  and after filing multiple dispute with Equifax the lien record has not been deleted from my personal credit report. The status was only changed to " Released '' which is not accurate. I demand that the entry be removed as it has been in all other credit reporting agencies. I am aware of numerous complaints for the same issue against Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (TX).
Issue: Trouble during payment process

Complaint: We have a Mortgage with DITECH and on XX/XX/XXXX. Hurricane XXXX  hit our city here in XXXX TX . One week later XX/XX/XXXX we get a letter stating that we had an overage on our Escrow account. We are out of town at the time we spent 2 wks in XXXX and XXXX XXXX because we did n't want to ride thru the storm with our little kids, no food or lights.

We have been a couple already and did n't want to go thru this one seemed like it would be a bigger one than we have dealt with. Needless to say we did have a little water damage. Compared to others here in Town. I called in our insurance claim after we got back and DITECH said that they had rehimbursed our " Flood Insurance ''! They said it was because we were no longer in a " Flood zone '' which I have confirmed that there was no such change to our Flood Map! That was a lie and the reason we could not contact the insurance company our selves is that we were always paying our Flood Insurance and Hazard Insurance separate from the Mortgage Payment. This last year DITECH forced insurance on us and it was lower than the Flood policies we found ourselves. I never got a copy of the binder or policy from DITECH or Insurance company for that fact.

I have called DITECH and requested online for a copy of my old policy and they will not send to me. I suspect that they did n't have an insurance policy during the time they said they had a policy and tried to hide there tracks by giving me the run around.

I am tired of being given the run around and am seeking help to fix our house which we thought we had insurance for and we were paying them for. I do n't know what we can do at this point since I feel like we are at there mercy and it does n't seem like they want to help us out when we need it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Debt collection (I do not know) with National Arbitration Forum (ME).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: someone from XXXX XXXX XXXX, phone number XXXX has been calling daily stating they will take legal action. They do not state whom they are calling for and the message is a robo-voice. I have received no written information on this debt and there is no listing anywhere for a collection agency called XXXX XXXX XXXX. I do believe this is a scam

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I am not able to get through either to the Credit Card company or to Equifax or XXXX. There is a report by XXXX of my being an " authorized user '' on a Credit card that was not paid when my husband XXXX in XXXX. As I am sure you know, as a matter of federal law, this is not my responsibility. TransUnion answered the phone and was very considerate about the matter and assured me that an investigation would be opened and it should be removed in about 30 days. XXXX hung up on me. Equifax and Experian only respond to requests regarding recent fraud and security breaches. Can I get some help? I am a very frustrated widow, here, with a XXXX year old trying to get a credit repair.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
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: Collection added to my credit report a collecting in amount of {$100.00} I sent Information sent this is not my account it was removed and then added back with new company XXXX XXXX i 'm disputing this and requesting that this be deleted from my credit report XXXX XXXX this was added onto my credit report I sent an information showing that it was not mine they took it off for a month or two and now when I look at my credit report is back on there for them out at {$200.00} i 'm requesting that this be deleted from my credit file Collection on credit report from XXXX XXXX XXXX XXXX sent information and stating that this is not my information this is not belong to me and it was not removed or nor was it investigated requesting that this be deleted from my credit file All three of my credit reports have significant inquiries that I did not get permission for anyone to run my credit I am requesting and have requested from all three bureaus to remove these from my credit file there still on there I 'm requesting that all inquiries be removemycredit file

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 11/23/2016 about Credit card () with CITIBANK, N.A. (PA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: XXXX XXXX - Multiple unauthorized/fraudulent charges were placed on my Citi Best Buy Visa card ( ending in XXXX ). The largest was for {$500.00} at XXXX XXXX # XXXX, reference number XXXX. 
XXXX XXXX - I received a text message from Citi inquiring about the {$500.00} charge from XXXX XXXX. I immediately called customer service and was informed of this as well as XXXX other unauthorized charges ; I indicated that these were unauthorized/fraudulent charges. I was assured at this time that I would not be held responsible for the charges and that my account would be closed and XXXX with a new account number opened. I indicated that I just wanted them to close my account permanently. 
XXXX XXXX - I logged into my account online and saw that not only had a new account ( ending in XXXX ) been opened in my name, but a {$500.00} balance had been placed onto it as a transfer from the original account ( ending in XXXX ). I called customer service immediately to inquire and was informed that this amount would be under investigation and a resolution could take 60-90 days ; additionally, the fraud department was closed and no further information could be provided. 
XXXX XXXX - I called customer service and was transferred to the fraud department. I explained the situation once again, reiterated that I wanted the account closed, and further reiterated that I wanted this balance removed from my account. The representative indicated that she 'd transfer the balance back to the old account, where it would stay while the amount was under dispute. The resolution could take 60-90 days on their end and possibly longer on the merchant 's end. I said I found this unacceptable but asked if my account was at risk of being placed into collections. I was told " I do n't think so. '' This is completely unacceptable. 
XXXX XXXX - I again spoke with Citi customer service, the agent of which spoke with the fraud department. I was told that the process was n't properly explained and that the {$500.00} balance was in the process of being removed from my card. 
XXXX XXXX - I logged into my account online and saw that the {$500.00} balance had been transferred from the new card ( ending in XXXX ) to the old card ( ending in XXXX ). The end result being that I still have a {$500.00} unauthorized/fraudulent charge sitting on an account associated with my name. This is even more frustrating because XXXX other unauthorized charges which apparently occurred at the same time have already been removed from my account. Even worse, the old account now has a payment due of {$25.00}. All throughout the process I was assured I would n't have to pay on the amount in dispute, yet here they are trying to bill me for it.

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 12/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: CAPITAL ONE AUTO FINANCE Date Inquired :XX/XX/XXXX I received an alert from my credit monitoring company on XX/XX/XXXX and was informed that an inquiry has shown up from Capital One Auto Finance. I have not and did not authorize any applications with Capital One. I do not have any records of inquiring for an auto loan with Capital One. I called capitol one and they did not have an application on file for me name. I contacted bureaus and placed a 90 day freeze on my account and I also filed a police report for fraud activity. If you have any questions please contact me at XXXX. 

Thank you.

Company response to consumer: Closed with explanation