milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-06-2017 about Debt collection (Auto) with U.S. BANCORP (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: us bank calls me multiple times a day for my husbands debt. says they wont talk to me but continue to call be 5 to 6 times EVERY DAY! they will not stop even after my husband has explained to them when they will get paid ( he lost his job 3 mo ago and just started a new one this week )

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 04-03-2015 about Consumer Loan (Vehicle lease) with DriveTime (NC).
Issue: Taking out the loan or lease

Complaint: On XXXX XXXX i purchased a leased suv from XXXX. After going over contract discovered down payment amounts i never agreed to within XXXX mins i asked for refund but was refused. After looking at numerous vehicles from XXXX different stores i finally decided on a XXXX. By XXXX the following day i was broke down on the roadside after working a XXXX hr shift.Called to get help and was told i had to pay to get car towed. After confronting manager i asked gor refind again still within my XXXX hrs and the store manager refused .After i threatened to call news station i was put into XXXX. And you guessed it XXXX weeks later this car breaks down i need help i was even still forced to make a car payment after only having the car XXXX weeks

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XXXX working in conjunction with XXXX Transunion and XXXX requested my credit file be pulled and reviewed in a 'hard inquiry ' simply because someone got on-line and attempted to use my name, address and date of birth to apply for credit and/or a product or services. 

When contacting XXXX to report fraud, they denied ordering a 'hard inquiry ' yet it does now appear as a 'hard inquiry ' initiated by XXXX with my report being provided by the above XXXX credit reporting agenices. 

My complaint and question is how can any person impersonate someone on-line by applying on-line for credit and large companies like XXXX pulling my credit file before even verifying the party on-line is truly whom they claim to be? 

Should not the companies such as XXXX do more preliminary work beofre being authorized someone 's credit file using a 'hard inquiry '?. Not only does this seem to be a breach of my identity but potentially could have led to further financial calamity on myself and my family. 

So now I am stuck with this hard inquiry that I never asked for and all XXXX reporting agencies are saying there is nothing they can do about it and the inquiry must stay on my credit report. 

My request is that the XXXX reporting agencies be required to remove this unauthorized hard inquiry from my credit file at once. And I also request that XXXX be forced to review their on-line credit application process to prevent further incidents such as this. 

Best regards, XXXX XXXX XXXXXXXXXXXX

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 02/21/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with Resurgent Capital Services L.P. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XX/XX/2017, a 30 delinquency was reported on my credit report, i called the credit card to inform that no purchase was made so no balance due, no payment to be made, The informed me that a monthly charge was hitting my account, even without my knolodge,. I calmly asked them to remove the negative information and they agreed and from that point on i was pleased with their customer services, fast foward the delinquency still showing on my account and i am hopeless at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (LA).
Issue: Loan servicing, payments, escrow account

Complaint: Our home flooded during the XXXX floods in Louisiana. Because we have a mortgage our insurance settlement money is being managed by Chase, our mortgage holder. They require a signed contract with a general contractor to release funds. We have already had work done to our home due to the delays in getting our settlement. Just like thousands of others we are displaced. If we did not have flood insurance Chase would not be involved so why do they have to be involved when it is OUR insurance money?

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Debt collection (Medical debt) with Accelerated Receivables Management, Inc. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: a women calles from accelerated receivables management said i owed a bill or copay of XXXX dollars .and me being XXXX an below the poverty level .i dont pay any copay anything.so she then stated i should pay my bills i again tried to explain it again then she said quote we will see what it does to your credit.so now it is XXXX showing on my credit report.violation of the f.d.c.p.a.

Company response to consumer: Untimely response
Consumer complaint received 01-03-2018 about Debt collection (Medical debt) with Independent Recovery Resources, Inc. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Independent Recovery Resources has placed a collections account on my credit report for XXXX XXXX. I was never to XXXX XXXX. My ex husband took my son there and XXXX XXXX did not submit to my sons medical insurance correctly and therefore did not get paid. By the time I.T was realized, too much time had passed and therefore they could not collect from the insurance. I sent XXXX XXXX XXXX the letter from the insurance carrier proving that I.T was not submitted correctly. There are two accounts from XXXX XXXX with Independent Recovery Resources. They only removed one account from my credit report. I have called over 20 times in the last 3 months requesting someone to call me back. I keep being told that the manager is handling the account. I have requested to have a letter sent to me about the removal of the one account, but once again nothing. I can not believe that this company can completely ignore my requests. I am not the medical insurance holder and I have never signed anything or even walked into XXXX XXXX. How can this company ruin my credit and not even return my phone calls. I honestly do not know what else to do to get them to return my phone call and remove the account from my credit report that is not mine.

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 09/18/2015 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX has reported false information. They have illegally re-aged this debt. The original debt from HSBC Bank was scheduled to continue on record until XX/XX/XXXX and they re-aged it to XX/XX/XXXX. 

I am reporting them for giving false information to XXXX. I received no court summons, and I made no payments or arrangements with XXXX XXXX or HSBC Bank. I made absolutely no deals with them or any others for that matter. I had no money, no life, no job, nothing. I have n't even been in the same state. On top of that I am reporting them b/c they re-aged the debt so that it appears on the credit report to continue until XXXX. XXXXIt is my amatuer understanding that it is completely illegal to re-age an unsecured credit card debt especially with the debtor having no knowledge of it. 

I would also like to report to CFPB to notice it says original creditor HSBC Bank Nevada when in truth it is just HSBC Bank. Are they both the same or is that just another scheme. 

ThanksXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with FIRST CITIZENS BANCSHARES, INC. (CA).
Issue: Application, originator, mortgage broker

Complaint: On XXXX/XXXX/2016 I obtained a Mortgage for the amount of $ XXXX for the building that I perform my business from First Citizens Bank XXXX 
Bank is implementing coercive actions to force me to transfer my business accounts that I have with XXXX to them, although we went through all of my accounts and they can not match the service and the term that I currently have with XXXX, otherwise they will increase my mortgage rate by 3 %!! I keep receiving threatening phone calls and letters from First Citizens Bank. I believe this is an illegal business practice and I am asking you to advise them and make them stop.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Credit card () with CITIBANK, N.A. (MA).
Issue: Billing statement

Complaint: After reviewing my recent credit card statements, I found out that Citibank has charged me 25.49 % interest rate on the credit card I have with Sears. As I know Citibank corporate office located in the state of SD and maximum interest rate allowed in that state is 15 %. I imagine how many people were charged without knowing it 's illegal.

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 02/16/2017 about Mortgage (FHA mortgage) with GUARANTEED RATE INC. (FL).
Issue: Settlement process and costs

Complaint: My wife and I have applied for a mortgage and were approved in XX/XX/XXXX with the company " Guaranteed Rate '' to purchase a new construction home. The house is completely built and finished - I have verbal and written confirmation from the builders, inspectors and realtor that the house is finished and ready for closing. We have earnest money ( {$25000.00} ) already given to the title company. However, XXXX XXXX from " Guaranteed Rate '' who has been working on our loan for almost one year is still repeatedly requesting for the same documentation that has been submitted multiple times to her since XXXX XXXX. XXXX XXXX also advised us to sell our house ASAP and our old house was sold in XXXX XXXX. Our living arrangements have been complicated for the last 3 months and very challenging since I also just had a baby last XXXX. We will be out of a place to live by the end of XXXX. We were promised a closing date of XXXX XXXX, XXXX ( 1st time ), XXXX XXXX, XXXX ( 2nd time ), XXXX XXXX, XXXX ( 3rd time ) and now XXXX XXXX can not give us a closing date - SHE is the last link we are waiting for to close and move into our new house. We respectfully request assistance with this urgent matter. 
XXXX XXXX from Guaranteed Rate - tel : ( XXXX ) XXXX, email : XXXXXXXXXXXX XXXX XXXX ( Loan Coordinator ) from Guaranteed Rate - tel : ( XXXX ) XXXX, email : XXXXXXXXXXXX XXXX XXXX ( Corporate CEO ) for Guaranteed Rate - tel : ( XXXX ) XXXX Sincerely, XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: NAVIENT TOOK ABOUT EXTRA {$110.00} WITH RESPECT TO THEIR OWN MAILED INVOICE AUTOMATICALLY FROM MY CHECKING ACCOUNT, " SINCE XX/XX/2014 ''. THEY REFUSED TO REFUND THAT MONEY TO ME. I WROTE TO THEIR CEO AND GOT NO ANSWER. THIS IS A FRAUD. NAVIENT ALSO REPORTED 60/150 DAYS DELINQUENT IN FROM ONE LOAN PROGRAM TO ANOTHER LOAN PROGRAMONE STUDENT LOAN. NAVIENT ALSO REPORTED 90 DAYS DELINQUENT FOR CHANGING FROM ONE LOAN PROGRAM TO ANOTHER LOAN PROGRAM

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: FRAUDULENT INQUIRIES 1. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 2. XXXXXX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX  XX/XX/XXXX 6. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX XX/XX/XXXX 8. XXXX XXXX  XX/XX/XXXX 9. XXXX XXXX XXXX XXXX 0XX/XX/XXXX 10. XXXX XXXX XXXX XXXX XX/XX/XXXX 11. XXXX XXXX XXXX XX/XX/XXXX GET THE CREDIT BUREAUS TO ATTACH MY POLICE REPORT TO THESE FRAUDULENT INQUIRIES ... THANKS

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 06-01-2017 about Vehicle loan or lease (Loan) with BB&T CORPORATION (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I recently settled an old balance I had with  XXXX   XXXX . Nea rly two months have passed, and they have yet to update the account properly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with CITIBANK, N.A. (MA).
Issue: Other transaction problem

Complaint: On XX/XX/XXXX I initiated a rollover procedure of my XXXX from XXXX XXXX Citi Website ( Citigroup ) to XXXX. When I completed the Rollover instructions, I was then directed to a new website managed by XXXX XXXX XXXX ( XXXX ) to complete nearly identical information requested by Citi with the exception of the address of XXXX which took me a little time to find out from XXXX. Once I successfully completed XXXX inquiries, I was then redirected to Citi Web page at which time a notice that my session with Citi had expired. At that point I truly believed that the entire procedure was completed. There was no indication thru the various inquiries that were completed that a confirmation was required otherwise Citi session should not have expired. 
On the same day, there was another department titled Rollover Central of which I was unfamiliar of its role, so I called XXXX back and XXXX XXXX XXXX informed me that my request was processed. 
On the XX/XX/XXXX, I telephoned Citi Benefits Center to determine progress on my Rollover and I was informed that the request was not processed because it was not confirmed and that my value of my XXXX would be based on the closing day of the XX/XX/XXXX. 
As a result of the delay the XXXX value diminished approximately {$7400.00}. 
There were other telephone calls to XXXX XXXX Citi during XX/XX/XXXXregarding our complaint ; one telephone responders indicated that this was not an isolated incident. One of the managers named XXXX stated to file an appeal with Citi which denied my claim. A final appeal to Citi also denied my case. In essence, CitiGroup told me that I failed to confirm on the XX/XX/XXXX the rollover and would require me to go to court. 
All paper work regarding this case is available by request.

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 07/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Account Liquidation Services Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have written and disputed incorrect information on my credit report that belongs to another individual. The company refuses to delete the incorrect information from my credit report even after receiving my personal verifying information that is different from the negative items they are reporting. They are refusing to pursue the correct individual and remove the information from my account even with verifying proof that my identity and the other individuals are totally different.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/17/2016 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I have been with Bayview Loan Servicing Company since XXXX 2013. I currently pay my homeowner premium and taxes in my monthly mortgage payment. On my most recent mortgage statement, I was charged a fee of {$75.00} for " rec corp advance ''. When I called the customer service dept, I was told that this was a corporate advance fee due to insurance verification. They had no other details regarding this fee. I called the insurance dept at Bayview, who had no history of any kind of bill that was paid on my behalf to the insurance company for this. I also talked to my homeowners company who stated they did not request, or complete, an insurance verification and did not bill my mortgage company. I called back the customer dept at Bayview who again said this was a corporate advance fee and advised me to fax or email Bayview requesting a breakdown of these fees, which is absurd. Why should I have to email or fax a request to find out why they are charging me a fee? I would expect the customer service rep, and especially a supervisor, to know this information. I asked the rep for a copy of the bill, which she could not provide. The rep spoke to her supervisor who also could not provide me any information on this fee. Again I have been with Bayview for 3 years and I have never had a charge like this and I have never had any inspection from my homeowners company. This fee does not seem to be legit due to the fact that no one has any answers for me and could not provide me with any kind of proof. I am very upset and do not know how a company can just place a fee on my statement and expect me to pay it when they do not have any proof that any kind of verification was done or any bill showing they paid it. This company has been a headache and they are always very unprofessional when calling in to speak to customer service. 

They are also charging me a {$20.00} fee for a payment that was late due to the fact that the bank account information was entered wrong. I requested to have this fee removed since we have never been late and this was an honest mistake ; however, this was denied. How can a company not even give a courtesy fee removal one time for a customer who is in good standing with their account?

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NY).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: On the XX/XX/XXXX, I paid nearly the full balance for my XXXX XXXX card. The payment cleared my bank account ( XXXX XXXX XXXX XXXX ) on the same day. Saturday ( XX/XX/XXXX ) the card was declined. When I checked the Chase mobile app, it showed the payment reflected in the balance ( now {$5.00} ), but the available credit amount was listed as {$0.00}. 

I called the bank the next day ( XX/XX/XXXX ) and spent nearly 2 hours on the phone with them, getting repeatedly disconnected and booted back to the main menu. When I finally reached someone who could provide information, I was told that, because the payment amount was higher than my normal payment and I had previously had a payment returned, they had applied a 5 business day hold. I was told that the hold could only be removed if the payment was verified with my bank, and agreed to let the agent call my bank and request verification. Once we had a representative from XXXX XXXX on the line, he told us that the bank 's policy is not to verify transactions with third parties over the phone. 

I later called XXXX XXXX to figure out what to do, and they informed me that the payment had processed and that there was no way that Chase had not received the funds. Furthermore, he told me that it would be impossible at this point for the payment to be returned. I called Chase back with this information, and was told that there was nothing _they_ could do, as their policy is to retain the hold for 5 business days or until the payment is verified with the bank. 

I understand that this may be their policy, and that the law may provide me no protection, but it seems clear to me that this is an abusive policy. Chase has received my money, and they have refused to let me use their service for an arbitrary amount of time, awaiting a verification which can never come. If I did not have other funds available to me, taking what seems like the sensible course of actions ( paying off my full balance when I have the ability to ) would leave me utterly destitute. Meanwhile, Chase has a week to lend out and profit off of my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Dynamic Recovery Solutions, LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX from Dynamic Recovery Solutions contact me XXXX/XXXX/XXXX XXXX from XXXX he said i owe {$1000.00} from original creditor XXXX XXXX original accout # XXXX, he said he had mailed out a settlement letter in XXXX or XXXX to a different address he gave me. XXXX said i could settle the accout for {$700.00}. I told him i believe that account was paid back in XXXX, i asked if i could have the telephone number associated at this time and he did not want to provided it, he asked if i had a checking account or credit card i can give him to pay for this account. I continued to get calls for 3 days 3 times a day i refuse to pick up the phone, on the last day they called his supervisor was on the phone and i was not aware of this, and this rude lady just came on the phone and annonced she was XXXX the supervisor and that she wanted to settle this account today, she was offering me a settlement offer of {$730.00} that i had to give her my back information. Then XXXX said the offer had expired because it was in XXXX, then he changed it to {$530.00} i told her i needed a copy of the original letter that was sent from XXXX XXXX to their company and the balance that they claim i owe. They do n't want to provide any information to me about the original creditor. I told them to send me to my email a bill from XXXX and they only emailed me a collection bill. I called back to XXXX get more information and have got no where. I contacted XXXX today and without the phone number they are unable to find me informaiton they did a name search and ss # number search and nothing comes up with my name. I check my credit report their is not collection on their from XXXX, i called XXXX and they said its not showing anything from anyone but a medical bill that is all. On XXXX and XXXX nothing shows up in collections, only that medical bill.

Company response to consumer: Closed with non-monetary relief