milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/23/2015 about Mortgage (Conventional fixed mortgage) with Residential Credit Solutions, Inc. (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: Our mortgage was sold to Residential Credit Solutions XX/XX/XXXX. RCS does not accept automatic bank transfers, our bank, XXXX XXXX XXXX, must send a paper check to RCS for our mortgage if we use online billpay. The first sign of trouble came XX/XX/XXXX when we paid our mortgage XX/XX/XXXX. We paid on XX/XX/XXXX it was withdrawn from our account on XX/XX/XXXX, and not applied until XX/XX/XXXX, a total of 9 days. We were charged a late fee for this payment. I wrote RCS and the late fee was returned. Over the next few months, payment delivery times varied, but were normally between 5 and 7 days between the time I requested the payment to be made and the time the payment was applied. 
XX/XX/XXXX : payment made on XX/XX/XXXX, withdrawn on XX/XX/XXXX, processed XX/XX/XXXX. ( 8 days ) XX/XX/XXXX : payment on XX/XX/XXXX, received and processed XX/XX/XXXX ( 5 days ) XX/XX/XXXX : payment on XX/XX/XXXX, received XX/XX/XXXX, processed XX/XX/XXXX ( 7 days ) XX/XX/XXXX Payment XX/XX/XXXX, received XX/XX/XXXX, processed XX/XX/XXXX ( 7 days ) XX/XX/XXXX payment XX/XX/XXXX, received XX/XX/XXXX processed XX/XX/XXXX ( 6 days ) The problem was with XX/XX/XXXX. The payment was made XX/XX/XXXX, received XX/XX/XXXX, and processed XX/XX/XXXX ( 15 days ). We were again charged a late fee, even though the money was received before the end of our grace period. We have been told they will not refund the late fee this time, even though it is obvious that the processing time was in some cases THREE TIMES as long as in previous months. 
This seems extremely suspect. The closer to the end of the grace period, the slower that RCS processes payments, but the more {$73.00} late fees they can charge for " late '' payments. In 20 years of homeownership, we have never made a late mortgage payment and yet RCS has managed to say that twice in 6 months they have n't received it in time to process before the due date. No bank XX/XX/XXXX should not be able to accept ABTs. The only way RCS will take an automatic payment is through XXXX XXXX for an additional fee. This is absurd and is outright piracy of people who have no control over who services their mortgage. These fraudulent fees are not fair to consumers when the control on processing time is completely controlled by the company.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Credit card () with JPMORGAN CHASE & CO. (WI).
Issue: Balance transfer

Complaint: In XX/XX/2016, I initiated a balance transfer from my credit card with XXXX to a new credit card with Chase Slate. A balance appeared on the new account of about {$3000.00}, but did not disappear from my XXXX card. Ever since XX/XX/2016, I have been making payments on both credit cards AND accruing interest on my XXXX card despite contacting both companies to try and resolve the issue. 

In XX/XX/XXXX, XXXX claimed they never received payment from Chase Slate. Chase claimed they had made the payment, but that the account number they sent it to was incorrect ( a debit account instead of a credit card ) and had therefore been declined. So although my online account at Chase still showed a balance of ~ {$2000.00} ( I make a {$300.00} payment to the card monthly ), they claim that at that point I did not owe them any money. They also claim that at that point, they REFUNDED the original amount of {$3000.00} to my checking account at XXXX, however there is no record of that amount landing in any of my accounts on or around XX/XX/2016 ( which is when they claim it was sent ). It is unclear whether that {$3000.00} includes payments I made on the Chase card in the meantime, or not. Chase can not provide me with the account number that they DID send the money to, though as of today they have sent me a snail mail letter which they THINK might have the account number on it for my reference. 

Since XX/XX/2016, I have paid {$850.00} in minimum payments and interest to the XXXX card I intended to close, AND paid {$2700.00} ( {$300.00} every month for 9 months ) toward the Chase Slate card that I APPARENTLY DID N'T OWE ANY MONEY TO (??? ) although the balance still appears on my online Chase Slate account. 

I am officially baffled and I do n't know what to do next. All I want is to have the money I was n't supposed to owe be returned to me, and to close both credit cards ( which will require another balance transfer to a yet-to-be-determined third party ).

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: FRAUDULENT NAMES : XXXX XXXX, XXXX XXXX XXXX FRAUDULENT ADDRESSES : XXXX XXXX XXXX, XXXX XXXX NJ XXXX FOR THE ACCOUNTS I HAVE ATTACHMENTS

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 11-05-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I think it is a scam, I received a phone call from XXXX from a person who would n't give me her name stating she was calling from " XXXX '' and stating she was looking at my " Experian '' credit report and she wanted to lower my credit card interest rate. She was not professional and I felt extremely uncomfortable knowing she had my credit information. She stated she could see my last six months of payment history.

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 08/24/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was told this collection account can and would be removed and it was not -- -delete it. 
Violations -- -XXXX XXXX -Does not show XXXX balance. Does not show paid. XXXX 2015 and XXXX 2015 monthly reporting indicators state " failed to pay '' -- -delete it. 
XXXX -- -States date assigned XXXX 2015. -- -delete it. States open -- -delete it. Payment status states late 120 days -- -delete it. Type of loan states XXXX XXXX -- -delete it. States delinquency XXXX reported XXXX 2015. -- -DELETE it. 
XXXX -- -States XXXX failed to pay /late '' in XXXX 2015. 
Please advise the above XXXX + violations.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Original company : XXXX XXXX ( {$94.00} ) Debt Collector : XXXX XXXX XXXX Reason : XXXX XXXX was completely paid because my utility was paid by government program due to my poverty level and joblessness. I left Pennsylvania 4 years ago and this charges showed up recently. I am single divorced mom with XXXX young children.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Debt collection (Medical) with Pinnacle Credit Services, LLC ().
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This bill was pay by tri care when I was XXXX XXXX XXXX XXXX

Company response to consumer: Closed
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: On XX/XX/XXXX, I had {$76.00} past due with a XXXX XXXX XXXX card. The reason I was past due was because I did not receive any communication from XXXX XXXX that I was late. 
I sent a letter of goodwill in XX/XX/XXXX that I had not received notice of my late payment because I was living abroad, but in XX/XX/XXXX, XXXX XXXX denied my request to have the late payment removed from my credit reports. I believe I was denied by XXXX XXXX without consideration that I did n't have knowledge of a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Debt collection (I do not know) with Cottonwood Financial Ltd. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: On XXXX/XXXX/XXXX i received a call from XXXX from the number XXXX, the caller said he was calling about a debt from XXXX and when i asked for more info or to send me something over the mail he laughed and it said i was in position to demand anything and they were going to sue me. I hung up and then he called my employer asking him how it was possible he would employ someone like me? I called them again and he just said he had every right to do what he did because he called my work number and not my personal number. A guy by the name of XXXX XXXX XXXX promised to look into the issue and all he did was have the first caller call me again to work, thats 3 times in one day.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I have attempted to sell my property through a short sale and have a qualified buyer, but my lender Bank Of America will not allow it. They are telling me there is not enough time to evaluate even though I started the request in XXXX, received the approval to participate in the XXXX short sale and an appraisal was even completed. Bank Of American is saying there is not enough time and I feel that this is not fair! This is ridiculous! I understand I have not been the most responsible with my payments, but I could n't help losing my job and dealing with the hardships has been a challenge to get back on my feet. Everyone goes through ups and downs and I want to do what I can to resolve my debt with my mortgage company. This is why I am trying to short sale the home and avoid foreclosure so I can put this past me and grow. My credit has already taken a huge hit and I would like to save it as much as possible from the foreclosure and close with the buyer we have the home under contract with. Bank Of America has wasted so much of my time with a loan modification and never provided updates or other options to help us. It has been extremely frustrating! They set us up to think they were working on the loan modification and in reality they were ignoring us. Every time I would call for updates, I would get the same response that the file was still under review and that a retention manager would get back to me. Next thing I know my home is on the foreclosure list for the following month. Due to the lack of communication and returned calls, I am filing this complaint with Bank Of America. I feel it is because of THEM that I " do not have enough time '', to complete the short sale. If they would of gave me other options I could of started this process a lot sooner. Now I am against a deadline and desperately trying to save my home. I feel that I have been taken advantage of by my mortgage company and feel that this is a wrongful foreclosure. I have always been on time until I lost my job. I want to escalate this to a manager and will continue emailing and calling everyone up the chain at Bank Of America until I am provided with fairness. For XXXX sake, I have a buyer that is ready to close if Bank Of America will just allow it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Debt collection (Other debt) with Duncan Solutions, lnc. (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On XX/XX/2017 my vehicle was stolen.
On XXXX XXXX, 2017 I received a notice from XXXX XXXX XXXX XXXX stating that I have a collection notice for unpaid photo enforcement citation. This notice stated I had a photo situation taken on XX/XX/2017 after my vehicle was stolen. I NEVER received any correspondence stating I had a photo enforcement situation.
The only correspondence I received was from XXXX XXXX XXXX XXXX. I called the photo enforcement for District of Columbia and they told me it was nothing I could do since the ticket was so old. I tried reaching out to XXXX XXXX XXXX and they stated there was nothing they could do I needed to contact the District of Columbia.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This debt is a bounced check with Bank of America. It is seven years old and I am wanting to know the statute of limitations for them to sell and ask for this debt of {$300.00} to be collected. Is it too old for me to respond to, did they sell it to a third party that is trying to ask for payment when it should be charged off permanently? 
What happens since my purse, social security card, birth certificate and passport and drivers license was stolen in 2014? How do I prevent myself from being stocked financially by a person knowing my personal information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: What happened was that I received a bill in my name and p.o. address that I should not have received, but received anyway. The bill amount was for {$320.00}, and was from an account for a cable company ( XXXX ), the account had closed on XXXX of 2015. When I called the debt collector to rectify the issue the manager had asked me if I lived in a certain address in XXXX XXXX, I gave them an emphatic ''NO ''. When he asked if I knew the person of the address I told him that it is MY MOTHER 'S address. At this point I believe she purposely used my name ( WITHOUT MY PERMISSION ) to incur a debt that I do not intend to pay and will not pay. I have never owned cable nor started an account in my entire, nor do I intend to ... .ever. Also this will affect my credit score even more so now than before. I believe this is a form of identity-theft, and I want it stopped A.S.A.P.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Bank account or service (Checking account) with U.S. BANCORP (CA).
Issue: Account opening, closing, or management

Complaint: Hello I contacted USBank and gave them the info that you have provided on my XXXX record. They could not find the account information. Please help Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I am writing to Correct the wrong information put on my credit Report by XXXX XXXX and your Company XXXX, GA XXXX. 
for knowingly supplied this inaccurate information for over a Year on the credit file! 
This has seriously harmed my credit. I have Consider class action Law suit against the Credit Reporting Agency XXXX. claimed that XXXX violated the FCRA by the company XXXX allegedly erroneous reporting of XXXX XXXX XXXX on credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/18/2016 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: According to Experian report number XXXX investigated and verified. However Experian never investigated and fraud Account Name : XXXX Complaint : 1st Delinquent date has been passed 7 Years Experian have never provided result of XXXX XXXX dispute which was reporting after nine years. 
a. Evidence Attached Experian violated FCRA according to XXXX response on CFPB XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. Attached response and direct from creditor XXXX a. Attached Investigation result and XXXX response CFPB Case number : XXXX XXXX contact # XXXX XXXX Contact Name XXXX XXXX XXXX written response attached and also attached with CFPB case # XXXX In addition to attached XXXX XXXX IL foreclosure notice from XXXX XXXX I did not make any payment to my house since XXXX XXXX due to loss of business income and medical health issue Experian in violation -Evidence attached with CFPB case # 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 non-monetary relief
Consumer complaint received 06/29/2015 about Mortgage (Other mortgage) with FIFTH THIRD FINANCIAL CORPORATION (VA).
Issue: Loan modification,collection,foreclosure

Complaint: Back in XX/XX/XXXX I moved to XXXX stayed at brother in laws houseLittle I knew he purchased a house in XXXX under my name using my informationThe house went foreclosure I moved to XXXX in XX/XX/XXXX recently I wanted to rent a apartment the leasing company checked my credit they informed me that I have loan under my name with 5th thirth bank I was shocked I contacted the bank they told me to contact the credit berue I really need help I have never been in this situation before please reach for help thank

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/23/2017 about Vehicle loan or lease (Loan) with CONSUMER PORTFOLIO SERVICES, INC. (OH).
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint: Currently CPS has reported several years worth of negative payment activity on my credit report and now the account has been labeled as charged off. Based on my account history all payments were current and to date until I was scammed into stealing the car where another car dealership agreed to pay the reminding loan balance to retrieve the title. Several months later after the account became seriously past due I was advised that the account was never paid off and the account was past due. I spoke with several account reps at CPS to explain the situations to avoid the daily calls and harassment. After realizing that 's the auto dealer was a scam and no longer in business I reached out to CPS requesting a settlement to clear the debt. CPS denied the settle and now has the account marked as serveley past due and in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Credit card () with STERLING JEWELERS, INC. (CA).
Issue: Unsolicited issuance of credit card

Complaint: On XXXX XXXX, 2015 my then boyfriend and I went to a Kay 's outlet store in XXXX to look at potential engagement rings. At that time an employee named XXXX began began showing us rings and at first was very helpful, however when we told him we were unsure about how my boyfriend could afford to purchase a ring he started telling us he could check and see how much he could be approved for. He started having my boyfriend fill out forms and had another employee show me other rings. Eventually he came to me stating he needed my drivers license, and a few minutes later started asking me about how much I made and where I worked. He filled out half of the form for me and then had me sign at the end. We had made it very clear that we did not want to move forward with anything and the whole time he kept reassuring us that this would just be to authorize him to run our credit scores and that nothing would be opened and there would be no commitments or obligations. He knew this was the first store we had gone to and being that he was very open and friendly we trusted him. We left without buying a ring and said we would come back once we figured out finances. XXXX ended up opening XXXX accounts for us. XXXX joint account with my boyfriend, XXXX XXXX, and I and XXXX for just my boyfriend. We discovered this when the cards came in the mail. I am very displeased with his behavior and conduct. He was VERY deceptive and obviously had every intention of opening accounts. He took advantage of us being first time buyers, he fast talked my boyfriend about him being in the military and distracted me with his other associate, showing me other rings. These open accounts have now dropped my boyfriends credit score, which he has worked extremely hard to improve over the last few years, and have put a hard hit and an open account on mine. We called customer service today and the rep on the phone said they could close it but there was nothing they could do to delete it from our credit reports. Per the customer service rep, she stated that us signing the forms, which I now realize were not credit score authorization forms they were credit cards, meant that we authorized him to open credit accounts for us, and they could not be removed from our credit reports. I understand it was my mistake for not reading the fine print, but like I said we trusted him and were caught up in the excitement of looking for engagement rings. It 's very disappointing to see that this guy preyed on first time buyers and a service member, and now the customer service is unwilling to help us, standing by the fact that what their employee did was ethical. If I need to file a police report to get this removed from my XXXX credit report with our local police I will, but I 'm hoping you can help get this resolved without having to file XXXX and submit a formal complaint on Kays employee conduct.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/26/2017 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: I have  XXXX , I 've been under treatment for years and someone has taken advantage of my situation and stole my identity. All of the  XXXX   XXXX  charge offs,  XXXX  charge offs, and   XXXX   XXXX    XXXX   XXXX . charges on my report were charged without my knowledge.

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