milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AllianceOne Recievables Management (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: ALLIANCEONE RECEIVABLESis a creditor that 's on my credit for the amount of {$800.00} by the Court of XXXX XXXX. This amount was added to my account after I had already completed doing the payments on XX/XX/2015. I have reached to ALLIANCEONE RECEIVABLES and the XXXX XXXX Court house and both have communicated that the {$800.00} should have never been put into my credit and its an error. According to both ALLIANCEONE RECEIVABLES and the XXXX XXXX court house they do n't have the power to remove anything from the credit reports. They have filed and updated the credit Bureau since it was placed on my credit but it still has n't been removed. Please contact me to remove and fix this error. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-08-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (VA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I have a debt with XXXX for an old XXXX card, my debt was sold to a company called midland financial. In XXXX of XXXX I recieved a letter informaining legal actions will be taken to receive money for the debt, however i could stop this if i call there legal office and set up an arrangement, which i did on XXXX/XXXX/XXXX and the first payment of XXXX dollars was made on XXXX/XXXX/XXXX and after that until XXXX/XXXX/XXXX monthly payments of XXXX dollars was made on the account. Now when i set up the arrangement last XXXX i informed the rep to leave notes that I would be laid off on XXXX/XXXX/XXXX, i was informed to contact the company when it close to that day and I did on XXXX/XXXX/XXXX. The manager who took the recored calla and I asked him to leave notes on my acct said he will have the last payment come out on XXXX/XXXX/XXXX and he stop all other automatic payments and he would send me new paper work and that i had to return with my termination letter. Now as of yesterday XXXX/XXXX/XXXX I received a credit monitoring notice information me i had a judgement on my record and it was found it was placed by Midland with the county of XXXX in Virginia on XXXX XXXX XXXX ( while payment were being made on the acct ). I called the company and asked why this had taken place they said because I stop making payments and that I didnt return the paper wrk that was sent to me ( this is the paper work i have been waiting on ). It was later discovered that they sent said paper work to an old address of XXXX XXXX va and not the address that all my payment reciepts have been coming to of XXXX XXXX XXXX XXXX va.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Mortgage (Conventional fixed mortgage) with Fidelity National Financial, Inc (OH).
Issue: Settlement process and costs

Complaint: Hi, I am not sure where to begin. I closed on my house in XXXX 2014. Unfortunately, my real estate taxes were not calculated correctly on my HUD. I just received word that I owe all of 2014 taxes even though I only live in the house for 45 days in 2014. My bank sent a mailing stating that I owe approximately {$10000.00} for all of 2014. I went back to the title company and the company that owned the home before and XXXX are telling me that it is not their fault. I did not understand the HUD well enough to figure out what was happing. I do n't have the money to pay and do n't know where to turn. I am still shaken how unethical the selling company is being. They did not pay their taxes in 2014. I am trying to avoid reaching out to an attorney due to the expense. Is there any help you can provide?

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (DE).
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: My old/ previous student loans are being reported on my credit report twice as derogatory accounts. Same accounts are reported by FedLoan Servicing and then again  by US departmen t of education. All of my student loans were refinanced and consolidated into  XXXX  loan  in 2012, but yet  my credit report is showing that I am in default with a balance of {$32.00}. Prior to me refinancing my loan it was in forbearance, prior to my loan being in forbearance I was enrolled in automatic payment which saved me .25 % in the interest rate. I spoke to a customer service rep that assured me that once the loan was out of forbearance the automatic payments would simply continue and I would n't have to do anything. Somehow my loan was transferred from   XXXX   XXXX   to FedLoan Servicing and then from FedLoan Servicing to US dept of Education. I never received a notice of this transfer or any changes until I received a transferred call from my supervisor at work. I immediately refinanced the loan afte r in 2012. I   am now informed that the call made to my supervisor informing him of my student loan being in default was illegal and violated quite a few laws and I will most likely be pursuing legal action. Either way there should n't have never been any negative reporting on my credit and most certainly not after  the 2012    refinance because my loan has remained in auto payment with  XXXX   XXXX  and remained in auto pay even after the current loan was transferred to  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HYUNDAI CAPITAL AMERICA (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have several hard inquiries on my credit with the date of XX/XX/XXXX and I never authorize them to check my credit. They did it with out my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I am having personal difficulties with Citibank that I hope you may rectify. I have been a customer since XXXX XXXX with XXXX credit cards totaling approximately {$45000.00} in available credit. I use my Citibank credit card for all of my daily transactions. I had a breach of my card number in XXXX resulting in XXXX unauthorized transactions totaling {$4600.00}. I did not receive XXXX alert of potential fraud and I found out when I received my statement. I immediately called and had the card deactivated and initiated the claims. The card has always been in my possession. Unfortunately, the level of service that I have received has been extremely poor. I still have {$4000.00} unauthorized fees that have not been credited to my account and it has now been one month that I have been actively seeking a resolution. I have called and emailed from the web portal multiple times to at least receive provisional credit as the case is being worked and I have not received any assistance in resolving the total claim. I have only received a partial claim for transactions that happened after the statement. During multiple calls, I have discussed with various supervisors whose ID numbers I have notated, but each time I am told I will receive credit within XXXX7 days. This has not happened. On XXXX occasion, a supervisor was extremely rude to me and did not offer to assist in any way. He actually told me to stop calling. I have exhausted my attempts to resolve this matter and I am hoping that you may assist me in rectifying this situation. I have stopped using my Citicards for my daily transactions until my issue is resolved and I am in the processing of changing my auto payments conducted with these cards. I would like to mend our relationship and I thank you in advance for your assistance. 

I have called to attempt to resolve my issues with Citicards 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 monetary relief
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CREDIT ACCEPTANCE CORPORATION (FL).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I have a car loan that I did with credit acceptance for 10k or more, monthly and it 's not showing up on my credit report. I tried calling credit Acceptance they said they will fix this problem but they have n't fixed it with the three major credit bureaus. I would like for them to update my credit information showing a pay off on a loan that I had with this lender.

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 06-09-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 've repeatedly told XXXX XXXX XXXX, XXXX XXXX, XXXX, and now XXXX, that the delinquent student loan document # XXXX is not mine. I did not fill out the loan documents nor did I sign them. This student loan is for XXXX XXXX. I did not attend XXXX. I 've reported to all XXXX credit bureaus that this is not a valid loan and shown proof of signature verified by an XXXX Notary here in XXXX XXXX. Someone created this loan in my name and XXXX will not wish to recognize my argument. I 've repeatedly have been denied credit for home refinancing and purchase because of these false derogatories. IT ISNT RIGHT THAT I SHOULD SUFFER BECAUSE OF XXXX CARELESSNESS IN LOAN PROCESSING! Frustrated, I have on retainer XXXX XXXX Attorney of XXXX XXXX number XXXX. Feel free to contact me at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Debt collection (I do not know) with AFNI INC. (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have a XXXX bill that is way to much and it 's affecting my credit score never saw a bill that high please help me for it can get my credit score back on track

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Deposits and withdrawals

Complaint: I had several charges that I disputed on my debit card. Some were not me and some were double charges and one was service that I did n't agree to and was suppose to be an estimate to have my car fixed. After I did n't agree to the price I was charged {$150.00} diagnostic charge and I found out that the diagnostic was wrong after taking it to another shop. 
So I called Chase customer service Dept. and I was transfered to claims Dept. I told them about the charges and was told to file a complaint. 
So that 's what I did. I was told to cancel my Debit card and they would send another one. I said I would rather go into a bank and get one in person since it was a few days before XXXX. I went into a branch in XXXX CA. and was issued a new card and I also got 3 months of bank statements. The card worked that day but on XXXX XXXX I was getting denied after purchasing a XXXX on XXXX. The next day XXXX eve my card was still being denied. I called customer service again and I was on the line for hours and transferred to different departments to find out my account may be closed. I was told to call the next day and speak to the claims dept. and I spoke to a manager that told me my account was closed for having to many claims! She was very mean and could care less that I had no money on the holiday. 
I was told it would take 10 days before account would close. That would have been on XXXX/XXXX/16. 

My XXXX direct deposit check was returned because of the closing of my account and I did n't have enough notice to change it nor open another account at another bank. 
I still have n't gotten my check because it has n't returned to XXXX yet. 

I had over {$1300.00} in my Checking account at that time. I was told I could n't use a debit card but could write checks and withdraw funds at any time. So I wrote one check that did go thru but when I went in to make a withdrawal there was a freeze on all my funds and was told I now needed to call the fraud dept. I was now told it 's gon na be an additional 10 days before I can get funds out. I was also told that I was a victim of Identity Theft from a use to be friend. They knew about this 4 months ago when there was a charge from XXXX. I 've spent almost 5 hours on the phone left on hold for very long periods with many of the customer Reps being incompetent and/or poorly trained and giving wrong information. I have been a customer with Chase Bank for over 5 years and was treated like a criminal during the holidays. I have been traumatized by the treatment and even 2 managers agreed. One said that my account should n't been closed!

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I understand that the credit bureaus are reporting that a federal tax lien is being reported. This lien should never have been filed in the first place. As you can see the lien was filed and that taxes were paid on exactly the same date date of XXXX/XXXX/2010. This item should be removed. The IRS has indicated that the lien has been paid and released. In the interest of all parties this should be removed

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Credit card () with SYNCHRONY FINANCIAL (NC).
Issue: Billing disputes

Complaint: I have been dealing with this nightmare for 9 months now.   I purchased  XXXX  mattress sets from   XXXX   XXXX  . They say if you do n't like the mattresses there is a full money back guarantee minus {$150.00} for pick up as long as all is handled within 30 days. I returned  XXXX  set to the tune of {$1600.00} and paid the {$150.00} for pick up.   XXXX   XXXX   had just this  XXXX  bed on it ... the other  XXXX  were paid in full at time of purchase. This was  XXXX   XXXX ,  XXXX . Come  XXXX  of  XXXX  I was in a dispute with    XXXX   XXXX  ,  who kept sending me to  XXXX   XXXX . On  XXXX   XXXX ,  XXXX    XXXX   XXXX      sends me a  XXXX  balance with a letter that copies off to  XXXX   XXXX   XXXX  Stop billing. It is now  XXXX   XXXX ,  XXXX  and   XXXX   wo n't stop billing me ... I have a past due balance of  XXXX  that they want to negotiate with me and keep  XXXX  on fees that I did not incur ... I fax them the full package of information every single month. No response ... just a new bill every month.

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 10/16/2015 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX XXXX on or about XXXX/XXXX/2014 on EXPERIAN credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-04-2016 about Bank account or service (Checking account) with KEYCORP (NY).
Issue: Deposits and withdrawals

Complaint: A billpay transaction on XXXX XXXX, XXXX was not received by the payee after 11 days and I asked Keybank on XXXX/XXXX/XXXX @ XXXX to stop payment on the transaction and reverse the charges replacing the funds in my account. During my call with the Rep I was never advised of the {$34.00} service charge nor did she request authorization to debit my checking account. She did not say there is a charge and do we have permission to debit your checkling account. I advised Keybank the same day on XXXX that to me this is a UDAAP issue but they ignored my complaint. To me thus is a pattern of failure to advise the customer and provide them the opportunity to agree or not to the fee or direct the bank to which account to debit the fee. Their failure to advise my checking account would be debited may have resulted in an overdraft of funds. I am one of the lucky ones who signed up for alerts on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: Borrowers submitted request for mortgage assistance and attached all required information, including Request for Mortgage Assistance form, proofs of income, bank account statements, 2014 tax return, and IRS Form XXXX. Subsequently, borrowers received correspondence from customer service stating that application is incomplete with the same forms previously submitted attached.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Deposits and withdrawals

Complaint: I needed an easier way to get a list of electronic Fund transfers to my bank for my staff. I spoke with Wells Fargo. They presented me with a service that would be {$400.00} to {$700.00} a month. I stated it costs too much for the benefit. The following year I found that wells increased my monthly service charged and I contacted my business service person and he gave me his assistant ... ... months went by and I would have to initiate the conversation every month or so and finally said I was going to get an attorney involved. In the end thye stated I gave them verbal permission on XXXX XXXX ... when I asked for proof because I highly doubted they did not provide ... my business agent said he credited the account but t but I am not sure how much we really lost. I have received multiple credit cards for the account also. I still have in my possession. Another issue is I scan in desposits and I would receive letters months later saying there was an error and they took the money out of my acct to correct. However I have a staff member add it up and I input the bank system accepts only if it adds up so I am not sure how the mistake would take place ... 

I hope this helps others to come forward ... .These issue seemed intentional that is why I am posting.

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 10-12-2016 about Debt collection (Medical) with Allen & Withrow (AR).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Debt firm purchased medical debt for XXXX on the dollar, got a judgment, let the account sit dormant until about a year and a half near end of the 10 year statute for a judgment, are trying to garnish my wages. 
I called the firm and asked if I could settle it for a lump sum and they refused, stating they are n't allowed to settle medical debt. I asked why she said, " We do n't write the law so I dont know '' I called the Collection firm who placed it with the Attorney and they also refused to settle, stating they wanted every XXXX from me. All of this and I find out the hospital wrote the debt off -- {$2000.00} so I 'm assuming the firm paid maybe {$500.00}, and are now forcing me to pay {$5000.00} to them through garnishment without consideration of a lump sump payment of a lesser amount. Where is the CFPB when you need them???

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Mortgage (Conventional home mortgage) with QUICKEN LOANS, INC. (AZ).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: My wife and I were cold called by quicken loans/rocket mortgage to refi our existing loan in XX/XX/XXXX. We were explicitly told that they were applying lender credits and our loan amount would not increase and they could do a 0 out of pocket refinance. Quicken ran our credit, told us we were approved so we provided over 60 documents they requested. 
Over the next 4 months they kept telling us everything was good and we were ready to close. When it came to the final stage they told us we had to come out of pocket XXXX dollars and they tried to increase our loan amount by almost 6 thousand dollars. Their representatives lied to us on multiple occasions regarding pmts and why they didnt want us to put money down. Every time I thought we were getting ready to close they would change the numbers on us. Total bait and switch. We went to closing on XX/XX/XXXX ... ..7 months later. They lied about rate locks, they lied about closing cost and they lied about payments. I learned a valuable lesson and will in the future require anything told to me in writing. I may contact an attorney to have their phone records transcripts but I dont know if they keep em. I am severely disappointed in their business practices and feel that they should be held to the same ethical standards as anybody else who sells a loan to a consumer. Their Refinance department was shady and the worst part is they have no sense of responsibility to make right what their loan officers and loan specialists say to consumers. 
Im use to reading contracts so I was able to catch their deception however I feel sorry for the countless people who have been bent over unknowingly by Quicken Loans. 
I have been contacted by their team as we did close on the loan however we are still weighing our right of rescission while they attemp to make this right. As of now I think that something should be done on a foundational level when it comes to clear and concise explanations of whats actually going on with a consumers loan.

Company response to consumer: Closed with explanation