milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/19/2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: XXXX has purchased an account that has been discharged in my Chapter XXXX Bankruptcy Filing dated XXXX/XXXX/2012 XXXX Exhibit # XXXX XXXX. The original account was by Chase XXXX ACCT # **************** ). XXXX is reporting inaccurate information to all credit reporting agencies which is in violation of federal law and the fair credit reporting act. I tried written to all reporting agencies in an effort to have this false information removed, but have been unsuccessful ( Exhibit # XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/15/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (OH).
Issue: Loan modification,collection,foreclosure

Complaint: my husband got temporarily laid off work on XXXX XXXX. I contacted wells fargo my mortgage lender on XXXX XXXX regarding help with our loan. I explained our situation and started working with a home preservation specialist. I was under the impression that I would be applying for a forbearance or loan modification. I done everything they asked in a timely manner and 30 days later was denied due to lake of income which was calculated incorrectly. I contacted my specialist and was told to file appeal and resubmit income, which I did. I called back a few days later to make sure they got everything and they said they had and it would be 7-10 days for a decision. called back 10 days later when I had not heard from them and they said nothing that I had sent in had been submitted to underwriting but they would send it in today and it would be 7-10 more days for a decision. 20 days later and several phone calls to them checking on the status they denied me again. I called my specialist again and he said denial was due to lack of income because they could n't use my husband as a source of income cause he was a non borrower on the loan. They knew this from day one and still drug it out for over 60 days. So I asked about the forbearance why I did n't qualify for that when I would be going back to work and so would my husband in XX/XX/XXXX and would be back on our feet soon. Also we 've had the FHA loan for 5 years, never fell in default or asked for any kind of help and was current on payments when i first contacted them for help. He told me he never submitted a application for a forbearance which i thought this whole time he had, and he would TRY to get the ball rolling on that. So 65 days later and 2 weeks away from 90 days behind on loan and foreclosure I 'm no further now than what i was on day 1. I feel that they are dragging this out till it 's too late for them t help me. I have XXXX XXXX children and this is the only home they 've ever know, please help me save it!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2015 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Equifax reinserted an account by XXXX Bank and Trust, which the creditor requested to be deleted. This occurred after deleting all of my inquiries and positive accounts for no apparent reason dropping my credit score XXXX points within a month 's time. Enclosed is a copy of a letter recieved from the fdic.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Debt collection (Other debt) with Diversified Consultants, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: this is the 2nd attempt to resolve this matter in relation to a XXXX account that was started in my name. in my previous complaint i have REQUESTED that XXXX or diversified consultants to send me ALL proof of this account when it was started, how it was started, and a copy of the drivers license, or signature that they had on file when the account was started. i have asked numerous times to VALIDATE that this account was truly set up by me or if this account was even started at all. i have been in compliance and mailed my fraud affidavit in XX/XX/2017 along with my drivers license that showed the date of issuance for XXXX fl at the address XXXX XXXX XXXX  XXXX XXXX XXXX fl, along with a savings account bank statement dating the specified times requested. and police report for a miscellaneous crime to XXXX fraud department and have not heard from ANYONE. i am getting weary and do not feel like i have to keep trying to prove that i did not set up nor use said account. so this is my 3rd attempt to ask XXXX or diversified consultants to send me PROOF that it was indeed my account and that I AM REQUESTING the store location as to where this was started and the sales member to be identified who allowed someone to start an account in my name without me being there. the name on the account is XXXX XXXX that alone should suffice that you have the wrong XXXX. my name is XXXX XXXX. XXXX i have never had my name changed to anything else. as stated above i need ALL documents in relation to this account especially how it was started and what verification XXXX went through to make sure that it was indeed I XXXX XXXX that was starting services. if the two company 's can not provide these requested documents then you MUST report to all bureaus for deletion for reasons of no validation. thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/17/2017 about Mortgage (Conventional home mortgage) with AMERISAVE MORTGAGE CORPORATION (VA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: XXXX/XXXX/XXXX I reached out to Amerisave to refinance my primary residence. I advised them that I have both a foreclosure and a bankruptcy on my credit report. They assured me with the time since the bankruptcy there was no issue after they pulled my credit report. 
They started the refi process XXXX XXXX # XXXX XXXX They charged me up front for the appraisal. They had me change mortgagee on my insurance. 
Last week I received a call they can not proceed because the bank resold the foreclosed property in XXXX. The resale was between the bank and the buyer. My foreclosure was in XXXX. Despite providing all the documentation they requested, they insisted they can not proceed. I have requested reimbursement of the appraisal which I feel is only fair in light of the sequence of events. 
Since they are aware they use the resale date not the foreclosure date, this should have been disclosed from the onset. 
I feel this is an unfair practice. 
I now have to pay for a new appraisal since I am using a different 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 07-11-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (PA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: During my last billing cycle for my Lowes store card my payment for the full balance ( {$250.00} ) was withdrawn from my bank account twice. When I first contacted the company about this issue on XX/XX/XXXX they refused to even begin processing processing a refund because according to their internal accounting system the second payment was still listed as " pending ''. I tried to explain to them that the money had already been electronically transferred out of my account and that their accounting system did not accurately reflect the current situation. Timing of the refund was important to me because I had several checks outstanding that would bounce if the funds were not returned promptly. Sadly they were unwilling to budge. Patiently I waited until their system showed my payment as completed on XX/XX/XXXX and called them back. Again I encountered stiff resistance to promptly issuing a refund. The person I spoke with initially that day, and then their supervisor, both claimed the only way they could issue a refund was via check which would take at least seven business days. The supervisor even went so far as to claim that it would be a violation of banking regulations ( a criminal act ) to issue a refund electronically using an ACH transfer. The only way they were willing to expedite the refund was if I sent them a letter from my bank ( on official letterhead ) showing that two payments had been withdrawn from my account. I still do n't understand why they would require proof directly from my bank after making me wait until their accounting system showed receipt of two payments. Nonetheless I offered to send  proof via email but they were only willing to accept a fax, which I do not have access to. Their insistence on communication via fax is perplexing because they are constantly trying to trick me into signing up for email only delivery of my statements via repetitive and confusing pop-up windows. I 'm truly frustrated by the refusal to promptly correct a simple mistake and issue me a refund. Even more troubling is someone in a supervisor position actively lying to me about federal regulations, which of and in itself may constitute a criminal act.

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 11-05-2016 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Does this sound like the response of an impartial credit agency after 7 yrs. of stonewalling! I recently applied for a credit card with my Bank XXXX XXXX. I was required to go into my Bank and along with a Banker have a three-way call with the credit card company. The Banker answered all the questions and so did I. I was still denied. I applied for a credit card with XXXX dept. store and was also denied because of Experian 's report. See the included Doc. From what I can gather, I am dealing with XXXX, XXXX, and XXXX ( International fraud gang released on the world by XXXX ). The true source of the fraud addressed in 2015 by XXXX State Attorney Generals and 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 non-monetary relief
Consumer complaint received 06/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Risecredit, LLC (WI).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Rise Credit, which is the company I acquired this loan from has been harassing me for almost three weeks now. I took out a small loan of $XXXX, after the interest the total payoff is almost $XXXX
I have only missed XXXX payment, after almost XXXX on time payments and ever since the missed payment they have been calling me non stop, almost XXXX times a day between my personal phone and work phone, which they were told they are not allowed to call.
My work has logs of the number calling, they call about XXXX an hour and when we pick up they don't say anything and hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Other financial service (Foreign currency exchange) with STERLING INFOSYSTEMS INC (CA).
Issue: Customer service/Customer relations

Complaint: I am submitting a complaint in regards to a background check performed by Sterling Infosystems. I had recently applied for employement with XXXX for a warehouse job in thier XXXX California location. Staff Management/XXXX is the contracted company used for hiring process. I qualified for every step in the process until the background check. Sterling Infosystems is also contracted to do the background check. I recieved an email and regular mail copy of the background check and the " Notice of Adverse Action '', disqualifying me for employement. The " Criminal Background Check '' information was correct. The problem was that this information was not only misinterperated but due to the in ability to read and understand the court doc info the agency or Staffing company both tagged the information as " High Risk ''. The court dcoument were transcribed, are not an Official Signed copy of the original court docs. Sterling Infosystems claims that there are XXXX ( XXXX ) seperate charges of a XXXX ( c ) XXXX, that is incorrect. The information shows XXXX Docket/case numbers which represent " Transfer of Juricdiction '' from XXXX California to XXXX California. This is due to my moving to another county. The Incidents are the same within 1 day, again typo error. In the " Additional Information '' field you see the transfer to XXXX XXXX but is the same case/charge. Both Sterling Infosystem and StaffManagement XXXX were made aware of this problem vis a phone call using XXXX XXXX of Staff Management and XXXX from Sterling Infosytems on Thursday XXXX XXXX. I have not had any further contacts with Sterling or XXXX regarding this issue. I am troubled that the background check company was neglegent/incompitent in reading the court document and risking my employment with XXXX. Once again the information on criminal background check is correct but was not interpreted correctly by said professionals. I want this claim investigated and all parties made responsiable for this crime in it self, fraud claims, to correct thier said expert positions in background checks. Same goes for Staffing ManagementXXXX, they too did the same or may seek damages for violations to FCRA. 

Sterling InfosystemsXXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Management XXXX XXXX XXXX, Illinois XXXX XXXX XXXX XXXX, Illinois XXXXXXXXtele ; XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Credit card () with CITIBANK, N.A. (WA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I am a victim of identity theft. The fraudster made a purchase on XXXX XXXX, 2016 for {$4800.00} at XXXX XXXX in XXXX, Michigan using my Citibank credit card account. The purchase was quickly identified as fraudulent and I have made a police report to the XXXX, Michigan police as requested by Citibank. Despite this, the purchase amount is STILL included on my Citibank account plus {$420.00} in fraudulent interest charges. I have called Citibank numerous times to get the charge removed, and they say they will remove it, but that still has not happened. XXXX additional things to consider : 1 ) I live in XXXX, Washington and have never even been to XXXX, Michigan, and 2 ) the fraudster made a similar purchase on the same date with the same store using my XXXX card account. That incident was also identified as fraud and reported to the police, and the charge was removed from my credit card bill in XX/XX/XXXX. I fail to understand why Citibank can not get their act together and remove the fraudulent charge from my bill! I am complaining to you because my patient, persistent efforts to resolve this matter have gotten me nowhere.

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 11/25/2015 about Bank account or service (Checking account) with CITIBANK, N.A. (IN).
Issue: Account opening, closing, or management

Complaint: Citibank stopped providing me access to my accounts. They disconnect calls to customer service after hours of wait time, transfers and do nothing representatives. They have not replaced my expired debit card. After months of harassing emails to switch to paperless, I agreed. Now I do not know my account number nor the address registered to the account. I have moved from XXXX to XXXX. They will not help me regain access to the XXXX of dollars I have on deposit. I just want to have access to my money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/15/2017 about Debt collection (Other debt) with Prince Parker & Associates (OH).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: In late  XXXX    XXXX  , I received a phone call from  XXXX   XXXX  of  Prince, Parker, and Associates,  a collection agency, stating that  XXXX   XXXX   XXXX  had referred my account to them for collection. I informed  XXXX   XXXX  that I had been working with  XXXX   XXXX   XXXX  to resolve the bill in question, because they had confirmed it as being inaccurate.  XXXX   XXXX  insisted that if I did not provide payment withi n 4 hou rs, she would make negative remarks to my credit file. I told her I would not pay a bill that has been acknowledged as invalid by the creditor, and that I would get back to her once I spoke with  XXXX   XXXX   XXXX . I then called  XXXX   XXXX   XXXX  customer service again in an attempt to resolve both the billing issue and the collection activity.  XXXX   XXXX   XXXX  opened a dispute case and advised me to provide the case number to the collection agency, indicating that it would stop any further action until  XXXX   XXXX   XXXX  was able to resolve the billing problem. I called  XXXX   XXXX  back and left the information Id received from  XXXX   XXXX   XXXX , including the case number, on her voicemail, and asked her to call me back if she had any further questions or required any additional information. The following week,  XXXX   XXXX  called me again, stating that I needed to make payment arrangements immediately or negative action would be taken against my credit. I reminded her of the  XXXX   XXXX   XXXX  case number that I had left on her voicemail the previous week and inquired if there was a problem with that information.  XXXX   XXXX  indicated that she had not listened to her voicemail, that the case number was meaningless, and she would only accept direct communication from  XXXX   XXXX   XXXX  to cease collection activity. I called  XXXX   XXXX   XXXX  customer service again to let them know that she would not accept their case number and inquire about the next steps to resolve this action, but no one was able to assist. As of todays date,  XXXX   XXXX ,   XXXX  ,  XXXX   XXXX   XXXX  has not resolved the billing issue and  XXXX   XXXX  continues to call with threats of negative credit remarks and further action if I refuse to pay the invalid bill. In each communication with  XXXX   XXXX , she is belligerent, inattentive, and degrading. She refuses to listen to the issue at hand and speaks to me as though I am something less than human.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Debt collection (I do not know) with CITIBANK, N.A. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I would like CitiFinancial to please take off all of my closes accounts from all three credit bureau so I can have a clean report. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Equifax incorrectly " verified '' an error in my credit report, and did not fix the error upon my dispute. This regards my home mortgage account. 
In XXXX 2016, XXXX of XXXX, XXXX purchased my loan from XXXX XXXX of XXXX, XXXX. XXXX was previously the administrator of the loan. 
The EQUIFAX credit report of about XXXX XXXX, 2016 listed this account as XXXX separate accounts, with XXXX different monthly payments. Upon my dispute of this situation, EQUIFAX says that their accounting is correct - that I have XXXX mortgage accounts outstanding that " belong to you ''. The address and phone number for XXXX XXXX provided by EQUIFAX is now defunct. 
It is my understanding that the original error may have been with XXXX, but EQUIFAX is responsible for not responding correctly to my dispute of the error. I am told by XXXX they fixed the problem internally on XXXX XXXX, but on XXXX XXXX EQUIFAX sent me an erroneous conclusion. 
On the attached document from EQUIFAX , please note the last payment of {$3100.00} is incorrect and listed as XX/XX/2016, while the " last activity '' is listed as XX/XX/2016. Since XX/XX/XXXX, I make a single monthly payment of {$3000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Kimball, Tirey & St. John LLP (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Details Last Reported XXXX XXXX, XXXX Collection Agency KIMBALL TIREY & ST. JOHN Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$2800.00} High Balance {$2800.00} Remarks I notified the manager that she had renewed my lease with the wrong date and she never fixed The apparment building become a XXXX with XXXX in and out I told the building manager I had to move the new residents and guess violated the non XXXX XXXX lease and I have a XXXX XXXX who almost got attached in the elevator by one of the guest and I moved when my lease ended ( the actual lease date ) The manager never amended the lease and put me in collection

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (SC).
Issue: Account opening, closing, or management

Complaint: I currently have accounts with BBVA Compass that are frozen : They are : XXXX CHECKING balance {$1500.00} XXXX SAVINGS balance {$3000.00} XXXX SAVINGS balance {$25.00} XXXX CHECKING balance {$22.00} CLEAR CHECK balance {$4100.00} ( pending dispute resolution ) I have requested that accounts be closed. Please advise why accounts without pending dispute resolution cant be closed, or at very least the approximately {$1700.00} that is not due to provisional credit be made available. Again was placed on hold for more than 2.0 hours this evening. My money has been held for more than 90 days and just in the last 2 days over 6 hours on hold, no resolution. PLEASE HELP, or I will have no choice but to seek legal assistance. 
It is my understanding that

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with First Investors Financial Services Group, Inc. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX/XXXX/2017 First Investors Financing made an unauthorized inquiry on my credit report without my consent. I have contacted them on numerous occasions by mail and phone to remove the inquiry to no success.

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