milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/20/2016 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX XXXX shows on my EXPERIAN credit report that we filed for a CHAPTER XXXX Bankruptcy and that {$1200.00} was written off. The account history states : Filed Chapter XXXX Bankruptcy on XXXX XXXX, XXXX - THIS IS INCORRECT. 

When we advised XXXX XXXX Bank of the error in the Experian Credit Report they responded on a XXXX XXXX, XXXX letter that the ownership of this account had been transferred to XXXX XXXX and if I wanted more information on the account to contact XXXX. 

Several written attempts have been made to reach XXXX XXXX via correspondence. Phone calls have been met with a request to make payment on the account, despite the fact that the account has been satisfied via our XXXX Bankruptcy.

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 06/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with HSBC NORTH AMERICA HOLDINGS INC. (NV).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I have been repeatedly called my a company who has left voicemails stating that it was an alert message notification and that I needed to call XXXX to provide my statement. I did not return the phone calls. On the morning of XXXX XXXX, 2016, I received at phone call at XXXX from an unknown number. I answered the call. A lady spoke to me and asked me if I was XXXX XXXX and I said yes. She asked if my address was XXXX XXXX XXXX XXXX and I said no, and then asked what this was regarding. She said that legal paperwork had been delivered to that address for me and since I had not responded they were attempting to get a response from me. I asked what sort of legal paperwork and was told it was a complaint filed with the XXXX XXXX Sheriff 's Office. I said again that I had not received any paperwork. She transferred me to the " legal department '' where a man then picked up the phone. I again verified that the address was incorrect and asked what this was regarding. I was told that it was regarding an account of mine that was in collections and had been transferred to this law firm. He said it was regarding an accounts previously had with XXXX XXXX for the amount of {$1300.00}. He stated that he was going to email me paperwork that would require my electronic signature to agree to voluntary repayment in order to stop further legal action. He asked me to make a verbal agreement on a recorded line to make payments on this account. I told him I would not make any agreement without proper notification and delivery of paperwork. At that time, he told me that he was going to send out the email and would need an immediate response. He listed the name as XXXX XXXX and that his direct line is XXXX. I gave him my email address and was told he would email the document in XXXX mins. He asked me again to verbally agree to payments and I again stated no. At this time, he stated that he wished me the best of luck when we went to court and hung up on me. A few hours later I received an email with an electronic document attached. This document stated that immediate payment of the full amount was due today to prevent further legal action. After the phone call, I determined that I did previously have a joint account with XXXX XXXX with my exhusband that had been sent to collections, however this account has been paid in full. I also researched the numbers listed and have found them to be listed as fraudulent on many websites. The address listed appears to be a motel in XXXX XXXX CA. At this time, I am unsure what I can do to stop the harassing phone calls. I also concerned that these people have my personal credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Vehicle loan or lease (Lease) with ALLY FINANCIAL INC. (CA).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: This is the letter we just mailed to ALLY Financial. 

As I am typing this letter as I am again on hold with your XXXX number. No one ever answers. This would be our 9th phone call with hold times over an hour. Last night we held for 40 minutes and it just hung up on us. 

This letter is to dispute a bill of late charges that we have repeatedly called about and they need to be immediately removed from our bill. The entire reason we leased this car was to establish perfect credit as you can see by our payments have been on time if not early every single month since we drove out of the dealership. We have no idea why this {$31.00} charge is on our bill and is now totaling {$880.00}. 

We have repeatedly asked your representatives to clarify the fees and specifically exactly the full payment amount is so we can pay it. They have refused to clarify these questions. We have asked to pay what they said a one time XXXX late fee which we didnt even know where that was coming from but paid it anyway. They never told us that this was every month or recurring and also at that time never told us that there was this XXXX balance hanging over us. 

Your regulator CFPB was specifically established to protect consumers against these types of abusive practices. In this case, we are talking about failures to disclose fees, failure to disclose amounts due and refusal to answer questions and an overall evasiveness and lack of responsiveness. We will be filing a formal complaint with the CFPB on this matter. 

Please consider this a formal complaint as we will be filing such complaint with the CFPB on this matter. PS I AM STILL HOLD AND WHO IS GOING TO PAY ME FOR ALL THE HOURS SPENT ON HOLD AND TYPING THIS LETTER.

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 06-04-2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TN).
Issue: Deposits and withdrawals

Complaint: Someone called me and said that I had leftover scholarship money. They had all of my prominent information. They just needed my bank account information. I just moved from XXXX to XXXX and my old bank is not local here so my dad opened an account for me with USAA. I was going to switch my banking from XXXX to USAA. But they did deposit and now my account is negative around {$4800.00}. They closed my account out but I need help finding out who these people are and where this money came from.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NELNET, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The college I was attending abruptly closed and went out of business. The reason I was told they closed was because they were mishandling student loan monies from the students that were enrolled. They ended up filing for bankruptcy. I was enrolled in that college for 2 years and they kept every penny of the federal loans I applied for. I never had a chance to graduate or receive any type of diploma or certificate. I explained that I will not be responsible for a debt that I did n't mismanage. That was the school 's doing. They mishandled  MY  loan money so therefore I will not be repaying back money they fraudulently stole. I applied for loan forgiveness because students from that school are/were eligible due to this whole situation. They denied me because they said I took an unexcused leave of absence which is not true. I also explained that if I were to receive the services with the outcome promised by them, I would have no problem paying the debt back but services were not rendered therefore my obligation to them is null and void. I have written and called these people on numerous occasions to remove this debt from my credit report. I have formally disputed the validity of this debt and they refuse to do anything. I want this debt erased from my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: The loan was sold. The servicer was XXXX XXXX, but they sold the loan. In the process I was not notified properly and payments to not make it to Navient. Have disputed multiple times with no result. Loan payments were made immediately when this was brought to my attention.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I paid off my mortgage by cashier 's check ; It was acknowledged as received, I believe, XXXX XXXX 2015. Two days later, what had been an automatic withdrawal for the normal mortgage payment, was again taken from my account. My bank immediately contacted me, and advised that my account was over {$600.00} overdrawn ( including a hefty service fee. XXXX On XXXX XXXX, I contacted Nationstar, went through endless sendings of documents by email, and was assured that the wrongly-taken amount, plus the service charge, would be wired to my bank account by last Thursday. Nothing has happened. 
I have had XXXX subsequent, lengthy contacts with Nationstar since then : they seem to be in chaos ; they do n't have records of my previous calls or emails ; they do n't even have a record of having received the wrongly-taken extra mortgage withdrawal -- even though my bank has provided me with ample documentation -- all of which I have repeatedly provided to Nationstar. 
They refuse to give me any contact information so that I can deal with XXXX person ; they give me vague promises of action, which are never fulfilled -- and I am expected to call their generic contact phone number in order to get any info on the progress of my crucial info. 
No one at Nationstar seems to be accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (SC).
Issue: Credit decision / Underwriting

Complaint: We would like to file a complaint with the Consumer Financial Protection Bureau and or the Federal Trade Commission concerning the inability to resolve a recurring issue with Caliber Home Loans. 
This is the second time in two years we have had to contact the CFPB/FTC concerning Caliber 's refusal to stop sending out statements, and now solicitations, via USPS, in which our personal information pertaining to our mortgage data including balance, name, address and interest rate is printed as well as the last few digits of our account number. We have explained to Caliber countless times that our mail service is not reliable and continuing to send this information leaves us vulnerable to potential identity theft should our mail end up in the wrong hands. We have requested instead that they send us correspondence via email. These requests were made multiple times every month for over a year including countless phone calls, faxes, emails and letters ; ALL of which Caliber denied receiving. 
Furthermore, only after the FTC became involved and asked for Caliber 's written response did Caliber finally stop sending monthly statements and agreed to start sending emails. Although the hard copy statements did stop we have NEVER to date received an email statement from Caliber. 
Several months ago Caliber started to barrage us with letters soliciting us and no doubt other customers to refinance their existing mortgage. In these letters under the headline : Let 's Get Personal ... Caliber states our mortgage balance, our interest rate, my husband 's full name, address and the last XXXX digits of our account number once again our requests to have Caliber stop this reckless behavior has fallen on deaf ears. Additionally, as our prior experience has taught us ; Caliber only has XXXX phone number available for customers to call. Each and every time we have called this number the result is always the same. Repeatedly, we are put on hold and then told that a supervisor is not available. Promises to return calls are never fulfilled and the insanity continues. 
We are hoping that the CFPB or the FTC will require Caliber to provide a more transparent access to management in all areas of the company including published phone numbers, names and titles of individuals within their company in an effort to provide their out of state customers with real help rather than a generic phone number manned by individuals that according to our experience have neither knowledge or the ability to handle customer issues. Additionally, we would ask that the CFPB or the FTC investigate Caliber 's refusal to comply with our countless requests to cease and desist sending out any correspondence via USPS that contains our personal information and that Caliber stop the harassing practice of solicitation. 
Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Please be advised that I am in receipt of your letter dated XX/XX/XXXX concerning the above captioned dispute.  By way of this signed letter, I will continue with disputing the above listed information.  On the evening of XX/XX/XXXX, I placed a take out order for two #5 combo sandwiches and two #6 combo sandwiches.  The merchant made a mistake by giving me two #7 combo sandwiches (see attached sales invoice).  Immediately, after arriving home, I called and informed the merchant, driving to make an exchange at the merchant was not an option as it is a 40 minute drive.  Subsequently, I received a phone call from the owner XXXX XXXX who was very sarcastic and condescending claiming they "rarely make mistakes", "I must be wrong" and that he records videos and voices of all his customers.  In fact, the same cashier who took my order, ran out the door after me to inform me that she forgot to give me my soup.The merchant sent a lengthy and wordy letter that basically proves nothing to the contrary, unless, the merchant can provide concrete proof and evidence that I as a customer placed the wrong sandwich order, than my initial dispute should stand as being correct.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a loan that is now well over 30 % LTV and the lender still will not remove the PMI

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (NY).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: My checking and savings accounts were both hacked. Almost {$320000.00}. was taken. 
Citibank has promised to return the funds but has not, except for {$20000.00}. 
Checking Account # XXXX - {$160000.00}. 
XXXX Account # XXXX - {$160000.00}.

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 10/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Castle Credit Co Holdings (NC).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I am currently try to clear up an account on my credit report that shows as a home improvement loan ( and it was not ) and is stopping me from aquiring an mortgage loan. I have asked the company on multiple calls to send me a letter stating they no longer hold the account and they refuse. On both conversations with a XXXX XXXX XXXX ( supervisor ) and XXXX they screamed at me on the phone and laughed and said they would not help.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with FIRST ADVANTAGE CORPORATION (MI).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I recently applied for employment with XXXX XXXX XXXX. During that hiring process, XXXX solicited a background check from First Advantage, XXXX. XXXX XXXX, XXXX, IN XXXX First Advantage communicated inaccurate & criminal information to XXXX, which had a negative impact on my reputation. 
Either this is a case of identity theft or there is another person, which shares my name & DOB. These are the only two explanations I can offer on how this could happen. 

The background check furnished to XXXX by First Advantage outlines the following ; There was a XXXX XXXX convicted of " XXXX XXXX XXXX XXXX '' & " XXXX XXXX, XXXX '' in XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX. 
XXXX XXXX # XXXX XXXX XXXX # XXXX This person was found guilty and convicted on XXXX/XXXX/XXXX. 


I have contacted to First Advantage at XXXX ( EST ) on XXXX/XXXX/XXXX and informed them of this issue. First Advantage states they may have referenced the wrong information. 

Presently I 'm unsure of the severity, scope and total ramifications of having been associated with this criminal conviction. How this criminal record may have negatively influence my life from XXXX/XXXX/XXXX to present day.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Received a letter in the mail from Midland Credit Management claiming I owed {$5800.00}. The original creditor is listed as " XXXX XXXX XXXX XXXX '' despite the fact that I 've never had an account or any sort of contact with said bank. On top of that, the charge-off date is listed as XX/XX/XXXX even though I did n't have any sort of credit account until XX/XX/XXXX. The claims are completely bogus as far as I know and have no merit to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: What I am asking for is your verification source. As I am told by the bankruptcy court they do not verify information to anyone. I feel my rights to your verification method have been violated and and prompt removal of this bankruptcy should be done because of your refusal to give me the proof and the source of your verification.

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 09/17/2015 about Mortgage (Other mortgage) with VIRGINIA HOUSING DEVELOPMENT AUTHORITY (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Selling house found issue on vhda loan. I must have forgotten to pay the XXXXdollars on my loan and got no correspondence that I was late. I was trying to change my name on my loan and they told me a month ago I was 30 days past for 7 months. The man I originally spoke with said they had sent out a letter every month for seven months that they had proof of that. I squared up this month. Meanwhile selling my house and I 'm told I need a statement of my loan history for my lender. Apparently this is a big problem being late on a Morgage payment so I spoke with me XXXX XXXX he said it was OK. So I signed my papers and finished off my loan. When I talked to him next we determined it had n't gone to credit reporting. Because I had filed bankruptcy. Then he said he would get back to me later that day, the next day same thing he did not. I had left messages and let him know how bad of a situation I am in with my XXXX dogs, husband, so, and my XXXX mother XXXX ... no response. I insisted not be sent to voicemail ... wanted to speak to his boss he was out got sent back to him. He know explained that because I filed bankruptcy they are not obligated to send out notices ... XXXX XXXX XXXX has no problems with this.they are my first Morgage company. I am in a huge pickle and feel seriously misled. Hoping my family and I sent going to end up without a home.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Debt collection (Medical) with Credit Bureau of Carbon County (CO).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I am being sued by a company called CollectionCenter out of Wyoming. When I try to call them to discuss and see what can be done, as we already paid the bill through insurance, they never answer the phone. 

I leave messages day after day. The voice recording asking to leave a message states someone will call back within 24 hours, but this never happens. 

This is unethical and is not right as I am trying to make an effort to communicate but no one wants to call back. If you cant call me back, how am I supposed to figure all this out and get it handled.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Mortgage (VA mortgage) with PNC Bank N.A. (OH).
Issue: Settlement process and costs

Complaint: Veteran with XXXX, trying to refinance home to lower years and lower payment, found out my VA home loan got changed by PNC to a conventional loan. Having a hard time doing a VA streamline refinance when you 're being told you do n't have a VA guaranteed loan anymore. Have talked with numerous people at PNC, some say records have been purged, VA does n't have to guarantee a loan ( I already had a VA guarantee in XXXX on this home before I refinanced with PNC in XXXX ), all my closing Documents for XXXX state VA rider, VA guarantee, and so on, my hud-1 says VA. I would like this done ASAP so my new refinance can proceed expediently

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax was breached, sharing important personal and financial information.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2016 about Debt collection (Credit card) with CITIBANK, N.A. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had made the required payment for my Citi account and they still continue to call.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief