milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-05-2016 about Debt collection (Credit card) with LTD Financial Services, LP (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: There are several numbers the debt collector calls from. I have talked to them repeatedly and have asked for more time to pay the debt and I have told them I will pay them. My problem is they call me every 15 minutes all day. The numbers are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and that is all from today. That is six times already and they called 11 times yesterday. I asked that they stop calling so much, to call once a week. They are going to get me fired and then I will never be able to pay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-01-2016 about Mortgage (FHA mortgage) with RoundPoint Mortgage Servicing Corporation (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was sold to them this past month, and I 've been trying to get a hold of them to inquire steps and billing in order to make my first payment. It seems that they have been ignoring my calls, emails, etc. I want to think this company is honest but i 'm finding it hard to think they are. My accounts have been locked, and when I call I 've been on hold for over an hour.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Prepaid card (ID prepaid card) with NETSPEND CORPORATION (PA).
Issue: Managing, opening, or closing account

Complaint: Brinks Prepaid MasterCard failed to replace a stolen card and refused a deposit under the XXXX act of 1999

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2017 about Debt collection (I do not know) with Commonwealth Financial Systems, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received a notice from my credit monitoring service that Commonwealth Financial has added a derogatory ( collections ) account on my credit profile with XXXX. I have never heard of this company, never received any collections notice nor notice of right to dispute as required by federal ( FCRA ) and California ( CCRAA ) law.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Debt collection (Credit card) with Second Round Limited Partnership (NJ).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: reported case number XXXX Second Round did respond to my wife 's case but left mine unresolved. Second Round made no effort to contact me. Reporting debt in " collections '' to XXXX is a " false representation '' of the actions made by us to settle this debt, it violates the Privacy Act of 1974. Second Round used deceptive means to collect the debt and to obtain additional information by means of phishing while threatening legal action if my wife did not commit to a monthly payment plan. My credit has been unfairly tainted since reporting to XXXX, my rights of due process were ignored, Pursuant to 31USC 3711 ( e ) we did not receive a 60 day notice of intent to report to credit bureau. No written or phone communication was received. I have faxed to Second Round, Compliance Dept a letter stating that the " handling of this debt '' violated my right to settle since they let it go and to cause further harm to my credit, listed the debt in collections with XXXX. i will attach the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Checking or savings account (Checking account) with REGIONS FINANCIAL CORPORATION (AL).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I had an event that I thought was fraudulent. I was confused as to how a company, who I had given my old card number and had canceled due to me feeling that they were a fraudulent company, had my new card number. After calling my bank, Regions Financial, today, XXXX, after receiving a letter from them stating that the withdrawal of the funds was not fraudulent, I was told that it is Regions ' policy to persist payment on all debit cards that are set up for withdrawals. I asked if this was something that I signed to say that this was okay to do and I was told that it was n't anything that I signed to give permission, but rather a policy of Regions. I 'm not sure if this is the practice of all banks, but I would think this falls under the overdraft protection where I would give permission for that service and would know that if a company has my card for withdrawal that it would not stop due to my card cancellation. 

The other issue is that the agent I talked to in the bank had no idea of this practice. He was actually confused and thought that the company who continued to charge on my account had access to my account number. So, this is definitely not " known '' information within the bank because those agents of the bank who opens accounts do not know in order to inform account holders. I ended up canceling the account that was attached to that card and opening a new one because I thought that a company had my account number.

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 06-09-2017 about Mortgage (Conventional home mortgage) with Fay Servicing, LLC (CA).
Issue: Trouble during payment process

Complaint: As the result of a family emergency, I requested that  Fay Servicing  halt my ACH mortgage paymnent for  XXXX  on  XX/XX/XXXX . The payment was scheduled to come out my account, as usual, on  XX/XX/XXXX . I was told on  XX/XX/XXXX  that the ACH would be halted and would resume as normal in  XXXX . I told the account agent that I would make the payment prior to the end of  XXXX , that I had to move some money around and that I needed a couple of weeks to do that. On  XX/XX/XXXX , the payment was debited from my account. In reliance on  Fay 's a ssurance that the payment was paused, there was insufficient funds in my account to cover the mortgage and my other obligations. I ha ve called Fay every  day since the  XX/XX/XXXX , sometimes twice a day, in effort to get them to make this right. In addition, I have emailed someo ne at Fay every day for the last four days to explain this problem and have included pdf attachments showing the NSF fees for that d ay. In the meanwhile, my account has been charged at least {$260.00} in NSF fees so far. Everyone I speak to promises to call be back, but over the course of  four days, I received one call back, with no resolution and no one at Fay seems to be able to figure out how to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (CO).
Issue: Loan servicing, payments, escrow account

Complaint: My home in Florida suffered flood damage from Hurricane XXXX on XX/XX/XXXX. I took mitigation action IAW FEMA rules and worked with my insurance company for claim resolution. After four months I received a claims check and forwarded it to my mortgage holder - US Bank. I fully explained my situation with US Bank and followed their instructions to submit receipts and detail the work accomplished on the property. We were unable to get a contractor to even start repairs on our house for four months so I did much work myself and brought in specialists as necessary. I documented all of this to US Bank but they want more information before they will even consider processing an " exception '' to reimburse me from my flood claim payment. I will provide them the info but have no doubt they will continue to delay reimbursing me in order to use my insurance money to their benefit. As a XXXX veteran living on a military pension I am now financially hampered after using over {$60000.00} of my savings to repair my home so I can live in it. US Bank has taken my insurance payment of over {$66000.00} and is unwilling to provide it to me to reimburse me for work completed or finish the repairs. 
US Bank Loan acct # XXXX Claim tracking # XXXX Property address XXXX XXXX XXXX XXXX, XXXX XXXX, Fl XXXX XXXX XXXX XXXX XXXXXXXXXXXX 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 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of Identity Theft and the Credit Bureaus are refusing to honor my request for a block of fradulent accounts and information under FCRA 605B. I have sent my FTC Identity Theft Report, my police report and have also submitted my information to the Attorney General in my state. I have fulfulled ALL the needed requirements and the bureaus are WILLFULLY non complying. I spoke to a representative from XXXX to ask if they received my police report and she said " we can't use this police report '' and we have opened investigation and you will hear in 30 days. '' I told her no, they had all they needed for 605B and they were to block within 4 days. She said they was not going to block because anyone could just go down and get a police report and claim ID theft. I told her that wasn't a judgement call for her to make that 605B requirements have been met and they needed to block I know the law well enough to know that there are only 3 reasons a CRA can refuse to block : 1. If the request is made in error. ( It's not ). 2. If the facts were materially misstated. ( how could they possibly know or obtain evidence to prove that or reach that conclusion ( especially within 4 days ). 3. If they had knowledge the consumer received goods or services with the transaction ( which I have not ). If the CRA follows the FCRA exactly, then it MUST put the identity theft block in place, within 4 business days, once it receives an identity theft report from a consumer. None of these is the case, so I want to know exactly why they are willfully breaking the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/13/2017 about Debt collection (Medical debt) with Capio Partners, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have now have four medical debts that were once removed reappear on my XXXX credit report. When I disputed 1 of the 4 all which was from the same company AssetCare LLC were removed. The other three were not. This is my second credit report that AssetCare LLC has reappeared on. I was never sent any type of letter from AssetCare stating that they would be adding any debt to my credit report so I had no idea and I di not have a chance to ask them for proof of debt or to advise them that they are not licensed in my state as a collection agency before the debt was added to my credit report, I did advise XXXX that these were not my accounts and they were removed in the past. Also that in XX/XX/XXXX 2016 the accounts were under Capio Partners LLC and once I disputed, all were removed. Capio Partners LLC is just another name that is under AssetCare LLC.Then I also stated to in the latest dispute letter to XXXX that AssetCare LLC is not licensed in the state of Florida ( which is where i reside ) to be a collection agency. Also I asked for proof since AssertCare and XXXX states this is my account and was verified by AssetCare LLC. All I received back from to my request for proof from XXXX was that the accounts were verified and that I could file a report with CFPB. I tried calling and still get the same result. I have done everything I feel I can do and still have not had the proper resolution. I am attaching all the proof I have to show I disputed all the bills and the results that I received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have applied for a mortgage and there are so many errors on my credit report that need to be addressed. I have not looked at my credit for years so there should n't be anything on it honestly.   I never had an account with  XXXX   XXXX  and s o I d ont owe  XXXX   XXXX   XXXX  anything.   I never had an account go past due with   XXXX    XXXX  this is an error or someone did this in my name.   Again I never have activated a  XXXX  account this account is incorrect or opened without my authorization. I dont owe them or  XXXX  anything and they 're on here twice. Please remove these incorrect items off of my report.   I have no idea what this medical collection is and I dont have any outstanding medical bills.    XXXX   XXXX   XXXX   XXXX  is another account i never authorized anyone to open in my name.

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 07/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My full name is XXXX XXXX XXXX XXXX. Somehow another name was added to my personal information causing me to have negative accounts in collection affiliated with that name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Debt collection (Auto) with Tate and Kirlin Assoc (OH).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Tate & Kirlin Associates were calling me after I told them I 'm on Social Security XXXX and Ally had already " Charged Off '' loan as bad debt on both my wife 's and my credit reports. I also told them to stop calling. Now they are starting to send mail wanting to collect on the debt. 

Today, we have sent them a " Cease and Desist '' fax but not sure they will receive it or honor 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 03-06-2017 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (IL).
Issue: Settlement process and costs

Complaint: My complaint is that, I have been working with SPS for over a year on a short sale, as of XX/XX/2017 the first lien holder has agreed to an amount of XXXX to move forward with the short sale, the second lien holder is asking for XXXX this is a XXXX approved loan and should be accepted by SPS, both institutions have give me dates to have the short sale closed on, I have been waiting for a approval since XXXX XXXX. 
with out having a negotiator to follow thru with this request, when i call i just get a person in the ombudsman Dept. updating me with no answer yet!! this need someones attention, for this matter is time sensitive. 
thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
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. (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have been the victim of on going and troubling ID THEFT. I have several fraud items reporting on my credit report. I have sent police reports as well as other supporting documents showing this to be true. Transunion has stopped responding to my request to remove these fraud items. The person responabile for this ID THEFT is a wanted fugitive and is begin actively sought by law enforcement.

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 06/18/2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (NY).
Issue: Settlement process and costs

Complaint: After an initially delightful and responsive initial period, Citibank reneged on their written promises and confirmations. I will never get a loan from Citibank nor would I ever recommend getting a mortgage loan from them. 

Earlier this year, we found a condo that we fell in love with and made an offer. After getting our mortgage shopping done, we chose Citibank because they offered us an initial rate of 3.375 %, which was fantastical and better than the rate we could get at our own bank. 

Signing a contract for 90 days after getting our pre-approval, we were ready to close and move in. From the moment underwriting began, it became a nightmare. The amount of documentation required kept ballooning again and again with each time the lender assuring us that we were complete. 

After weeks of this, Citibank 's attorneys then caused even more delays, which my attorney fixed in fifteen minutes of writing an indemnification letter. At this point, our purchase agreement had long since expired, and it was only by the kindness of the sellers that we were able to keep our considerable escrow deposit. I had multiple written assurances from the bank that the rate would be locked in at 3.375 %. 

With underwriting complete, we set a close date. Just a week and a half before the close of the property, we received an email from Citibank -- a day after they had confirmed our original interest rate -- that they were going to hike the interest up to 3.5 %. They did this because they had to pull my credit report again causing my score to drop. This hard inquiry was completed WITHOUT my permission and WITHOUT notice. 

After several days of protestations, I spoke with the VP of lending at the bank, who said there was nothing he could do. I could either pay XXXX more dollars in discount points or risk losing my XXXX of dollars in escrow by going to another lender. This was simply extortion. I was left with literally no acceptable options. 

We reluctantly agreed to pay the discount points and closed just days later, but I will never get a loan or recommend Citibank for another mortgage. They do NOT keep their written word or deal in good faith.

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 04/30/2015 about Credit card () with JPMORGAN CHASE & CO. (VA).
Issue: Late fee

Complaint: This is a written dispute regarding a previous credit card and private school account that reported me 30-days past due for one month 's charges. My recent credit bureau score report labeled 'Account 30 days past due ' that I am requesting to be reviewed and expunged. I had previously contacted the company directly without success, as well as having reported this exact complaint to XXXX but no action was performed. 

Chase Bank USA : 30 days past due in XXXX 2012. This was a standard credit card account through XXXX XXXX. I was scheduled to receive electronic statements monthly ; unfortunately, I would not receive the emails as scheduled, having happened multiple times while my account was active. I spoke with customer service regarding this on multiple occasions, having been assured any glitch was rectified, of course them deferring the blame to me for simply disregarding the email or not be responsible, which I then argued to review my history of payments. Upon realizing I was overdue, I immediately paid the total charges, in turn they reimbursed me the {$25.00} late fee. I have copies of the XXXX and XXXX statements representing this. I have since closed the account due to not wanting to deal with what I believe is deliberate maneuvering.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-10-2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (VA).
Issue: Loan servicing, payments, escrow account

Complaint: We have had numerous issues with Nationstar, from refusing to correct my name to my married name despite being sent essential documentation on 3 occasions to overall terrible customer service where they refuse to let you speak with a supervisor. This most recent issue came when we thought we were finally free of them. We sold our home and the loan was paid in full leaving an overage on the escrow which is to be paid out to us. We called to verify the amount owed to us and when we should receive it. We were told 2 weeks which we happily accepted. After 2 weeks had passed we called again only to be told that there was n't any progress and it could take up to 18 business days. Annoyed, I asked to be transferred to the escrow department where, in the very same call, another associate tells me that it will take up to THIRTY BUSINESS DAYS. Every time we talk to these people we are wasting hours of our life to get the run around and conflicting information. We just want our escrow paid out to us as soon as humanly possible so we can put this terrible company behind us.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I 'm complaining against Equifax because of the following reason. Please see the docs that I 've attached which substantiate my claims : Equifax is reporting judgements against an XXXX on my personal credit file. 
" A business lien against the assets of an XXXX is recorded against the business credit report of the XXXX, not against the personal credit report of individual members. Ideally, the creditor should have no access to the Social Security numbers of members, and should use the EIN of the XXXX only for credit reporting purposes. If a business lien shows up on a member 's personal credit report, he has the right to request its removal. The asset and debt belong to the XXXX under established law, not the individual members. '' Equifax is reporting dates that do not exist such as XXXX Equifax is reporting balances when I 've provided proof that the balances should be {$0.00} Equifax has court names that do not exist such as " XXXX XXXX '' Equifax is the only credit bureau that has not removed these unlawful items from my credit report after disputing with them for 2 months straight.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am supposed to have a security freeze on my credit file in which when my credit is ran I am supposed to be contacted by the credit bureau. I now have multiple inquiries on my report that I was not notified about. I have contacted XXXX, equifax, and XXXX as well as the creditors who ran my credit asking that these inquiries be removed from my credit report. They have not been removed at this time.

Company response to consumer: Closed with explanation