milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/18/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I recently viewed my credit file and saw that XXXX department store was placed on my credit file, in the amount of {$220.00}, with a stated date the account was opened as XXXX/XXXX/XXXX. I personally do not have a charge account or card with XXXX, however, my dad has a XXXX charge account. I reviewed my credit report and the entry stated that I was added as an " authorized user '', I never gave the authorization to be added to any one 's account, so I figured there was some sort of mix-up, so I asked my dad if he, in fact, added me to his XXXX charge account. My dad stated he may have added me, but could not recall whether or not he did, or did n't.
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All I know is and am concerned about is the fact I never gave authorization, or consent to be place as an authorized user on any account ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Dealing with a mortgage servicer with a loan modfication that was approved, however, at a much higher monthly payment then the original loan. Due to severe hardship with hurricane XXXX and losing employment, put fourth application for loan modification, which the servicer took a year to process almost to the date, and the new loan is setting us up for failure.

Company response to consumer: Closed
Consumer complaint received 08-06-2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I filed bankruptcy and it has been discharged, and am continuing paying my mortgage on time -- it is current. But SETERUS does not send me statements and nor can I download them. When I make payments to them, I have no idea about my new balance, etc. Providing a customer with a statement does not constitute a request for payment. My second mortgage lender, XXXX, provides me statements without payment request, so I know it is possible. I do not understand why SETERUS does not, but at this point I feel it is unlawful to not inform existing mortgage holders of balances, etc after payment is received. They will not talk to me over the phone and insists they can only speak with my lawyer. Again, my bankruptcy has been discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Synchrony Bank contacted Lowe 's even though I paid Lowe 's years ago, have a zero balance, to have my account closed in retaliation. I paid the Lowe 's card off early and the last payment was for over XXXX dollars in 2013. I have other active Synchrony credit cards that have a balance that have no issues. The issues started with Synchrony Bank regarding a Walmart credit card which I paid for years.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: This complaint is to inform the Consumer Financial Protection Bureau of the willful, reckless and negligent inaccurate reporting of the below information on my credit file by TransUnion. TransUnion refuses to provide me with any proof that I authorized the companies listed to receive my credit report. 

XXXX XXXX XXXX XXXX, this inquiry is showing that it was pulled in XXXX XXXX, XXXX XXXX   XXXX, this inquiry is showing that it was pulled in XX/XX/XXXX, XXXX XXXX XXXX, this inquiry is showing that it was pulled in XX/XX/XXXX and again in XX/XX/XXXX. 

Therefore, the XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX, and XXXX XXXX   XXXX, ( pulled twice ) inquiries need to be removed from my credit file from TransUnion. 

I would like to be provided proof ( via wet ink signature on the documents ) that I consented to these inquiries via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. I do not consent to XXXX for means of verification done by TransUnion. 

I do not recall authorizing the following inquiries and demand they be removed from my credit file from TransUnion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Debt collection (Mortgage) with JPMORGAN CHASE & CO. (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: We were offered refinancing due to the Obama Plan through J.P. Morgan Chase Bank. 

My husband and I decided to accept the refinance offer and proceeded with getting the old loan paid off and a new mortgage loan opened. XXXX which were through Chase Bank. 

We were told by a representative of Chase Bank that we had until the XXXX of each month to pay our mortgage. After the XXXX, our mortgage would be considered " late. '' Now, after the first of each month, we continually get calls regarding our mortgage payment. I have told XXXX separate people what I was told by the bank representative. That we had until the XXXX of each month to pay our mortgage and it would n't be " late. '' I asked the people, who were calling from Chase Bank, " Are we late with our payment? '' I was told, " No. '' I said, " Then why are you calling me. '' I then told the callers to please make a note on our account that we pay on or before the XXXX of each month. I was told to call them every month to let them know when I am going to make the payment. I told them, '' I am not calling you every month because you can see that I make the payment by the XXXX of each month. I even told them that I would not answer the phone when they called. 

I continually get more than one phone call per day. 

Could you please make them stop calling me so much? 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have repeatedly disputed XXXX XXXX XXXX XXXX tradelines that have appeared on my credit report for years as not my account. I have requested XXXX to investigate and verify directly and successfully sued them twice for violations of FDCPA ; each time XXXX paying me {$1000.00} for the violation but they continue to report these tradelines. XXXX has continually refused to remove and has confirmed they have zero documentation supporting these are my accounts but rather only that these accounts are on their books. I have served the credit reporting agencies written and online disputes and they continue to allow XXXX to report these fraudulent accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Advertising and marketing

Complaint: I took out a XXXX Chase credit card. The card specified that after {$500.00} in purchases that a {$200.00} credit would be given. The purchases needed to be made within 3 months of taking out the card. In the third month I attempted to make purchases at a pharmacy and the card was denied. The pharmacist tried twice. I then called the XXXX number on the back of the card and was told that the purchase went through. I asked if I was now qualified for the {$200.00} credit and was told yes. I then called the same evening and spoke to representative on the phone to confirm that I had reached the {$500.00} threshold. I was told that the {$200.00} credit takes several months to appear. I checked today because it has not appeared. i was told that they do n't have any record of my purchases going above the {$500.00} threshold. My pharmacy informed me that the purchase that we thought was approved was not! I paid the pharmacy. 

Chase owes me the {$200.00} credit. They refused on the phone today and chose to cancel the card. Can you help me with this. I used the card according to the rules they set out. They chose to block its use at the pharmacy, I called to correct it and was informed that it was OK. 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2015 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (TX).
Issue: Problems caused by my funds being low

Complaint: I opted out of overdraft coverage and have been told that no items would go through and charge me overdraft fees. I was charged XXXX over draft fees this month due to Regions Bank allowing me to overdraft my account. I called and found out that they can only refund {$18.00} of the overdraft fees. It seems to me that they want me to keep over drafting to pad their fee income. I would told that my line of credit I have with The bank that if I did overdraft it would pull from my line of credit, I was lied two about both of these items. I believe CFPB should look into Regions Bank handling of overdraft fees, specially why they allow for these lies to happen. Please help, XXXX over draft fees to the bank is nothing but for me on a fixed income it means the difference of my car being paid.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Consumer Loan (Vehicle loan) with AC Autopay, LLC (NJ).
Issue: Problems when you are unable to pay

Complaint: On XXXX XXXX, I contacted AC AutoPay to request a voluntary surrender because it was costing me more to fix different issues with the vehicle than it is actually worth and I could n't afford to keep fixing everything and make the monthly payments. I was told by the representative that the request would be reviewed and I 'd be contacted when a decision was made. On XXXX XXXX, the company contacted me to do a collection call. When I asked about the voluntary surrender I was told that the request had been reviewed that XXXX and they decided not to come pick the vehicle up, that they had abandoned interest. When I asked why no one had contacted me to let me know. I was told they did n't have to. I called back later in the day to request the decision in writing and was told that they do n't provide things like that in writing. I asked to speak with a supervisor. When the supervisor came on the line, he advised that they do n't provide their decisions in writing and hung up on me. A few weeks later, a rep called me to complete a collection call and I advised him that I had no intentions of paying anything else and that I wanted them to come pick up the vehicle. Since that, I 've had to demand that they stop calling my work phone and block them from both my home and cell phones. Then blocking on my cell phone does not stop them from leaving voicemails and they call multiple times a day leaving voicemails where they do n't say anything, just a minute or more of background noise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (VA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have received a Cancellation of Debt from the IRS, as for 2017, from my XXXX XXXX old debt, and I still have the balance due in my credit reports. Also, as of the Statute of Limitations on Debt, I need that all the old debts on my reports be DELETED, because as of this Statutes, they should not be in my credit records, for the Virginia State are 3 years, only to appear on credit records. 

I will very much appreciate your help, because I need to get a job and my credit report is not helping. I am not working right now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Mortgage (Conventional home mortgage) with Caliber Home Loans, Inc. (CO).
Issue: Trouble during payment process

Complaint: I have submitted an earlier complaint. Compaint XXXX which has been closed. I thought that the CFPB was created to make sure that banks, lenders are treating people fairly??? I do not understand how banks can get away with such fraudulent practices. This is a UNITED STATES VETERAN with PRIVATE CONVENTIONAL LOAN. They have misrepresented to the CFPB what is actually going on and you are just allowing these practices with no actual monitoring of their practices. So what does the CFPB actually do???? What are your guidelines when a seller is facing foreclosure and a loan is being serviced released??? Why are these regulations not being enforced? You do not enforce your regulations?? How is this making sure that banks are treating AMERICAN VETERANS FAIRLY????

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Checking or savings account (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (MA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I checked my bank account at XXXX on Thursday XXXX XXXX, XXXX, all was clear. 

At XXXX I received a text from XXXX asking if I made a {$630.00} transaction to a website in XXXX XXXX XXXX I received a call from XXXX XXXX. 

First I was told my card was blocked for confirmed fraud. Then I was asked to make an international call to a suspect XXXX Website to dispute the charges. 

I was then told that I have to wait until at least Monday but maybe 10 days for my money to be returned. I do n't understand why this transaction was allowed to go through on my bank account? 

This nearly wipe my account clean. It 's not fair, it should been flagged as suspicious before authorizing it. Calling me after the fact after placing a $ XXXX hold on my account, when they knew it was fraud, leaves me in a real lurch. 

Now I 'm on the hook for this until they decide to return my money. I ca n't even formely dispute this until it clear my account the next day. 

I 'm the victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX is not up to date, card have a credit balance not {$8700.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/26/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hi I belong to Experian my credit Report Shows, Some XXXX Ripped me Off by my ID, XXXX, XXXX XXXX Theft and Frauds Acts, I will be criminaly asking these Co, XXXX were it was n't Me applying for, Credit Cards XXXX Financing, Loans, Advances, Cars Boughten, etc will be listed, I have suffered a major financial loss from these and jobs loss, and anxiety problems from these crimes, I Need a Criminal Case Made on all these Co, s to Show Me, Restitution $ $ and a Court Case Will be Made on All of them if Not Settled and Restitution to the Best Amounts, Plus I, de like a Full Report on the Pictures, Emails, IDs, Signatures, Times and Dates of transactions / Finger Prints, Etc in Full Details Back Please, Heres The Co , s that someone Applied and Got Funded $ $ in my ID Entity and went on my Credit Report, Experian XXXX Lists, Free Score Now XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not in service new number? 
XXXX XXXX XXXX Bank = XXXX - XXXX - XXXX XXXX XXXX XXXX Bank = XXXX XXXX XXXX = XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX Bank = XXXX XXXX XXXX A lot of Accounts Here? 
XXXX = XXXX XXXX XXXX Financial = XXXX XXXX XXXX for the Following below # fluris lend up = XXXX XXXX - XXXX XXXX XXXX XXXX = XXXX XXXX XXXX XXXX Total Accounts = XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX accounts there XXXX XXXX = XXXX XXXX XXXX XXXX XXXX XXXX = XXXX XXXX XXXX Credit = and XXXX Cash Loans servicesXXXX =look up Website contact Please?, XXXX XXXX = XXXX XXXX XXXX XXXX Loans = XXXX to XXXX Accounts Please ask Thankyou XXXX XXXX Web Loans XXXX accounts there Accounts = XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX = XXXX XXXX XXXX XXXX XXXX or XXXX Loans, there accounts = XXXX XXXX XXXX = XXXX or XXXX Accounts there Look Up Center XXXX XXXX = XXXX or XXXX Accounts there = Loans XXXX = XXXX or XXXX of them Accounts = Loans Look Up Website & Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts here Please Find All Thanks .. 
XXXX Pay Day loans XXXX Total Accounts = Look Up Website Please, All these Accounts through XXXX XXXX? above, XXXX Bank XXXX XXXX XXXX = XXXX XXXX = XXXX XXXX XXXX XXXX XXXX XXXX, = XXXX XXXX = XXXX XXXX XXXX XXXX = XXXX XXXX Bank loans = XXXX XXXX XXXX = XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I , m Being Monitered while Doing these Co, s I Made a Crime Report to the XXXX XXXX Police Department, I XXXX m giving this to them also, theres a Real XXXX from these Criminals havnt Gone to SCARED STRAIGHT, Class or Death Row Education for further Proceedings,, this is on my Experian Credit Report No lies No perjury,

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 01-11-2018 about Vehicle loan or lease (Loan) with BMW Financial Services NA, LLC (CA).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: I had been paying my due payment plus an extra XXXX to XXXX dollars to reduce and cover late fees on my account. I then come to find out that none of the payments were being applied as the system said they would be. The system for XXXX XXXX indicates that if a payment is made past the due date a fee is assessed.. in order to pay the due fee Id make my payment with additional funds to cover the fee. I come to find out that not only were the late fees not being applied correctly but that there is interest accruing on the fees! I called and got this information from a representative. The rep indicated that it could take time to get this resolved and that someone from BMW would call me. Noones called me. The fees are still there. The thing that BMW did do  however, was apply the extra funds I paid to the next payment due. This was not reflected on the monthly billing statement however, as the monthly payment continued to reflect the full amount. I believe that BMW even marked me as 30 day late one or two time because of this confusion, as I paid the true amount due, as opposed to what was on the statement.

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 09/29/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CA).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: Hello, I 've been on a repayment plan with Navient for my private student loans for over 2 years. In XXXX, I lost my job and since XXXX, I have n't been able to pay my loan. 

Navient has refused to work with me regarding my unemployment status. During a conversation with them in XXXX, they told me there was nothing they could do as my account had used up all of my 24 months of forbearance. Then in XXXX, again they told me to pay them over {$1000.00} in my past due payment or risk being kicked out of my repayment status. 

Then just last week, in XXXX, they reported me to the credit bureaus for 3 months of nonpayment (! ) Wrecking my excellent XXXX XXXX and again, repeated the ridiculous notion of paying them over {$1000.00} in payments ... WHEN I HAVE NO INCOME! 

I do n't know if they 're purposefully being negligent, trying to force me to default, but I have to assume they are handling this account with some sort of violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Debt collection (Medical) with Receivable Solutions, Inc. (AR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Receivable Solutions Inc has repeatedly called even after we stated that this debt is past the AR statute of limitations for medical debt collection. The first day we spoke to them, I told them that this was past statute of limitations and un-collectible and not to call again about this debt ; they called back a few minutes later, and at that time I told them that I was filing a complaint with the government. Then calls came everyday. 
# XXXX .. XXXX XXXX // XXXX XXXX // XXXX XXXX // XXXX XXXX // XXXX XXXX // XXXX XXXX // XXXX XXXX // XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Mortgage (Conventional home mortgage) with TIAA, FSB (CA).
Issue: Trouble during payment process

Complaint: My loan was transferred from TIAA to XXXX XXXX on XX/XX/XXXX. I received a letter from Everbank on XX/XX/XXXX stating that wind insurance was required for our loan. This has not previously been a requirement for our loan and was not disclosed when the loan originated. I called Everbank to ask about this requirement. They stated that they had already purchased a wind insurance lender placed policy. I informed them that they had not provided me with the federally required 60 days notice and two written notifications. They acknowledged that since they 've only owned/serviced my loan for 14 days that they were in violation of this requirement. However, when I ask for the lender place policy to be removed they refused and stated that they would submit a research request that would take 15 days. I then informed them that I already have wind coverage under my main XXXX homeowner 's policy. On a 3 way phone call with Everbank, XXXX confirmed to Everbank that we already have wind coverage. I again asked for the lender placed policy to be removed and they again refused stating that I had to wait 2-5 days for the fax from XXXX confirming coverage to be processed and then 15 days for the research request. I spent 3 hours on the phone trying to remove an illegally placed and unnecessary lender placed insurance policy. This is abusive lending.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Xapo, Inc. (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The hacker wannacry compromised my phone and I work for the ftc and he took out loans credit cards and stole XXXX from XXXX

Company response to consumer: Untimely response