milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-04-2017 about Credit card () with DISCOVER BANK (NC).
Issue: Billing disputes

Complaint: Discover, I am very upset by the way my dispute is being handled. I am seriously considering transferring my balance and filing suit as a result of this dispute for {$470.00}. I initally filed the dispute because it was taking the appraisal company too long to send the documentation, even though as i have stated to you that i never needed the appraisal in the 1st place because i aready had one done myself. There was a mix-up in the communication and my card was never supposed to be ran in the 1st place. Either way XXXX agreed to cover the costs as stated in the email that I sent. I get a notification from discover saying that the case is closed and the merchants favor. I get this and call in on the week of XXXX to reopen the case and it is a hassle to get the case open which I do n't really understand. I am advised by your CSR to submit documentation showing that XXXX agreed to pay which I do. I called in on XXXX to see if the case has been reopened and get a runaround from your dispute team reviewing the documentation and they do not reopen the case based on word jargon. They get fixated on the fact that XXXX states in the email uploaded that I am getting cash back I refuse to reopen the case unless I provide documentation showing it which I have at this point. 
First and foremost I do n't understand why it is such a hassle to put something in dispute in the first place it is nothing like XXXX or other creditcard companies dispute process. I feel like you have to fight to get a dispute opened or reopened discover needed adapt amx 's or other credit card companies dispute process/ methodology. This is because it reopened I am not on close my account I am getting our family attorney involved.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Debt collection (Auto debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I am a victim of identity theft. I am writing to request that they block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft.          XXXX   XXXX  SERVICES  XXXX   XXXX  SERVICES Account #  XXXX  Account Type Auto Financing Companies Balance {$21000.00} Past Due {$1900.00} Date Opened  XX/X/2014    Payment {$0.00} Payment Status Charge-off Account #  XXXX  Account Type Auto Financing Companies Balance {$21000.00} Past Due {$1900.00} Date Opened  XX/X/2014    Payment {$0.00} Payment Status Charge-off

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 02-10-2017 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have send dispute letter to XXXX, XXXX and Experian asking the verifiable proof for the accounts thay have filed in my report. 
They have failed to prove them to me.

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 05/22/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have sent lender package of loan modification on XXXX XXXX, 2015 for review but per my agent told me they need some additional documents for review and no sale date at this point but I still see the sale date active on XXXX XXXX, 2015. I think they are lied to me while I called in to check with trustee company.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Debt collection (I do not know) with Security Credit Services, LLC (HI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Received a phone call from a representative of Security Credit Services advising me that they are attempting to collect an unpaid debt for furniture delivery in Florida. I immediately thought this was a fraud, and I advise the person that I was hanging up because I 've not purchased furniture and do n't even live in Florida. We conversed more and I found that somehow someone opened an account with my credentials with a company named XXXX XXXX XXXX  to purchase furniture - I was even given the address - a 'manager ' of this credit services company was the one whom provided me with this extra information and assured me he would send this case back to the leasing company. 
I immediately looked up this leasing company and called in attempt to clarify this - I was unable to speak to a 'person ' but was able to leave MULTIPLE messages. To date no one has contacted me. 
Pulling up my credit report after the XXXX security breach I noticed a collection account listed for {$1800.00} from Security Credit Services, I also see that one of my past addresses listed is FLORIDA? I 've NEVER lived in Florida - I can provide any proof needed and can attest to the fact that I have NEVER lived in Florida and have not opened any account from XXXX to purchase furniture. 
PLEASE CLEAR THIS OFF MY REPORT as this is FRAUD/I am attempting to purchase property and this should not be on my report - I believe this leasing company did not have a valid right to open an account under my credentials. How could this happen? This is completely false and illegal!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This account was paid in full at the closing of the sale of my home in XXXX 2016. The proceeds were deducted from the sale and delivered to Capital One Bank via the title company attorney that closed the sale. Please review the attached HUD at the foot of page ( XXXX ) were it is stated that a total of {$4900.00} was withheld and further communications with my attorney confirms that the funds were sent and my account balance is now XXXX but this account is still showing as a judgment on my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Debt collection (Other debt) with Receivables Performance Management, LLC (NV).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: see attacked letter of issues and problems sent to threes different collection agency. 
each collection agency and XXXX don '' t address the problem when recieving the letter. 
they pass to another collection agency and nothing get resolved. I 'm a XXXX year old Senior XXXX XXXX who took my time out of my busy schedule to write this letter explaining in details and problems I had w the account.

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 05-03-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (LA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: They are calling my parents, my mother who is ill and telling them that they have court orders and papers that need to be served and they want to speak with me. My mother told them that they are not the contact for me or responsible for me and to stop calling. She said this has been going on for over a year. They wo n't stop harassing her even though she asked them to stop calling.

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 06/16/2017 about Mortgage (Conventional home mortgage) with SANTANDER BANK, NATIONAL ASSOCIATION (MA).
Issue: Trouble during payment process

Complaint: Santander went against their own policy in requiring that I obtain and pay for a home appraisal to remove PMI from my loan. Furthemore, they delayed the process for over a year causing me to have to pay for PMI during that time. In addition they refused to take my complaints and I was hung up on countless times by various people during this time. In the month of XXXX ( 2017 ) alone I had to place more than 50 calls just to get this service request fulfilled despite it being in our contract that they were obligated to do so. Despite numerous requests they could not produce any part of our contract which required that I pay for a home appraisal. I ultimately paid for the home appraisal just to have the PMI removed but only because they forced me to do so as it was not a contractual obligation and they would not otherwise. I last heard from Santander in early XX/XX/XXXX stating that they would refuse any further correspondence with me, including my requests for the contact information of their supervisors so that I may file a formal complaint. All of my calls and emails in the past month requesting that they process my complaints have been ignored.

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 10/24/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Unsolicited issuance of credit card

Complaint: Capital One has made repeated inquires on my credit report. The did this without my knowledge or consent. They even sent me a credit card that I did n't ask for on XXXX XXXX, 2016. The current problem, though, lies with their unwillingness to remove their latest inquiry from my XXXX and XXXX credit reports or to explain why they made the inquiry.. This inquiry appeared on XXXX XXXX, 2016. Since then, I have called more than a dozen times asking them to fix this. Recently I was hung up on 8 times in the same afternoon. Letters are ignored, and no action is taken to make the necessary corrections. I have no idea if they have issued credit to an identity thief using the information they got without my permission or if Capitol One again opened an account somewhere in my name without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/18/2017 about Debt collection (Other debt) with A.R.M. Solutions, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I let my subscription to XXXX XXXX newspaper lapse and did not renew.This was after many complaints about missed newspapers or late delivery and no corrective action.XXXX  XXXX unlawfully sent my account into collection to `ARM Solutions Inc.To protect my credit I was forced to pay an amount of {$98.00} to ARM Solutions on XXXX 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 06/23/2015 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage with Freedom Mortgage Company and after reviewing my paperwork, I noticed some discrepancies on my paperwork. On my HUD-1 my interest rate is 6.5 % with a loan amount of XXXX but on the truth in lending statement my interest rate is 7.078 % with a loan amount of XXXX finance charge amount {$130000.00} total payment {$230000.00}. On the GFE the amount is XXXX. HELOC XXXX. According to my payment schedule payments should be $ XXXX ... However, I have never paid this amount since the beginning of the loan the lowest amount I have paid is XXXX. On XXXX/XXXX/15, I call collections and spoke with rep ID XXXX who informed me I had a escrow shortage of {$1600.00} and my account was being prepared for foreclosure. She transferred me to customer services XXXX ID XXXX ... she said an escrow analysis was done on XXXX XXXX and mailed XXXX XXXX, 2015 to my mail box. The problem with this statement is I do not have a mail box. I have receive all other mail except this XXXX that have been sent to me. She also stated that the new payment did not go into effect until XXXX because I had a short fall on my escrow ; but if you notice my XXXX statement I am paying the same amount for Escrow as in XXXX. This does does not square. I asked about my status with my mortgage and was informed that I needed to speak with someone in collections. I was transferred to Agent ID XXXX. We discussed completing a loss mitigation packet. I informed her that a payment had been sent. She said, the payment would be returned because, the foreclosure process had begun and they would process the documents when received to determine if they are accepted. But they will continue with the process even during the review. In order for the process to stop the entire amount of {$4400.00} is due. But, I question this amount that is due because of all the discrepancy with my financed amount and payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Credit reporting () with NAVY FEDERAL CREDIT UNION (MN).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Navy Federal Credit Union made a mistake on my new credit card. They mistakenly charged a finance fee on my new credit card account which put me over the credit limit by a few dollars. They did not inform me of the fee while the transfer was being made on the phone, the fee of a few dollars could have been taken from my other account to prevent this problem from Due to poor customer service, lack of training on the agents part, and complete lack of effort on their part, I ended up with no option except to file a complaint to resolve this issue when the bank could have done it themselves. Because of these reasons, an overage on the credit card was reported to the credit bureau. 

After multiple conversations with the bank they admitted to the mistake but said that it was passed their time limit and refused to make the reversal. I want this bad mark removed from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft and noticed a collection from ENHANCED RECOVERY I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against ENHANCED RECOVERY in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-06-2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a collection account at XXXX XXXX XXXX that I owed to Capital One for XXXX. They reported the account on my credit bureau the same day they received the account. I did n't find out about it until months later when I pulled my free credit report. Before I paid it I called XXXX and asked them when it would be reported to the bureau as paid. A lady told me if they received it before the end of the month if would take no less than XXXX days. I paid the account in full on XXXX XXXX. I called cavalry today ( XXXX/XXXX/2015 ) to make sure they were going to show it as paid in full and now they are telling me its going to take XXXX days????? Why does it take XXXX days?? They did n't take XXXX days before reporting it. I paid with a debit card and the money had cleared my bank. It should be reported immediately. I felt that they were deceptive, they just wanted the money before the end of the month and so they lied about when it was going to be reported to the bureau. They want the money right away, but they drag their feet when its on them to update it to the bureau!

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2015 about Credit card () with JPMORGAN CHASE & CO. (CO).
Issue: Closing/Cancelling account

Complaint: I have had a XXXX credit card with Chase since 2008. I use it regularly and always pay the full monthly balance. They charged me my annual fee of {$60.00} in XXXX. 
I have already paid my XXXX balance in full. 
Today my credit card was rejected. When I returned home and checked online, it said my account was closed. I called Chase and was told they can not give me a reason or tell me who or why it was closed. They said it is their prerogative. That the only way I can request information is writing and sending a written request to a Chase address they gave me in XXXX. 
I am leaving town Wednesday and will need the credit card for travel expenses as well as have regular incoming bills that are automatically charged to Chase and a charge I have already given to my XXXX to be charged to Chase. 
It is frustrating and inconvenient to be treated with little regard by the banking industry. 
Besides an explanation, I want my full {$60.00} fee returned and do not want this to affect my credit rating.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/13/2018 about Mortgage (Conventional home mortgage) with Seterus, Inc. (GA).
Issue: Closing on a mortgage

Complaint: I sold my house XX/XX/XXXX. The attorney called Seterus Inc. to verify taxes had not been paid. Seterus told tbem they had not so attorney paid taxes and said I would get my money back with escrow refund. I got an escrow check that did not include taxes. I called Seterus tbey stated they paid taxes. I called county and they said it was dounle paid. They would refund money to Seterus. That was 3 months ago. On XX/XX/XXXX Seterus stated they had the refund but were aloud 3 weeks to refund to me. I called back today Seterus stated they didn't get money back from XXXX County. They have had my money for 3 months and noone is helping. XXXX keeps transferring me around to differen people.

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 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: CFPB, Back about 18 years ago I was at sea and I was a victim of identity theft. I caught this when I returned from sea and after about XXXX months I was able to clear up this incident with the help of my local police in the town of XXXX, XXXX I have been a resident here since XXXX, the identity theft happened in XXXX. They used my information to apply for CC and other accounts but instead of using my correct address and employer ( XXXX XXXX XXXX, they use XXXX, XXXX and XXXX XXXX XXXX in XXXX, XXXX. Eventually, after at least a dozen credit denials, a mistake was made by either XXXX, Experian, or XXXX approved XXXX of the credit applications an thus updated my records to show I worked at XXXX in XXXX and lived in some abandoned house in XXXX, XXXX. Neither of this information was true and even though I had a police report about the identity theft, they would still would address my claims to correct their mistake. 
All attempt thru these agencies to try to remove this fraudulent information have gone unanswered all these years. 
I eventual gave up trying to get them to address their mistakes but thought after visiting this website, I would give it a try again.

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 07-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Inquiries on my credit report was removed by Transunion and placed back on without proper writing notification, which is against the law. I would like those inquiries removed please. Thank you.

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 04/20/2017 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Credit decision / Underwriting

Complaint: I am going through a divorce. I was awarded the home and need to re-fi. I inquired with my banker, Ba nk of America, w here I am a preferred rewards customer with all of my savings invested there. The issue involves their refusal to refund the appraisal fee of {$540.00}.      X/XX/17    : I locked i n a 30 y r. re-fi rate at 4 %. Began the application process.      XXXX  : BOA charged my credit card {$540.00} for upcoming appraisal.      XXXX  : BOA contacted me, asking about timeline on divorce separation agreement. I confirmed that I was giving my wife five months to find a new place, and I would temporarily vacate and live with friends.      XXXX  : Appraiser came in the morning. In the afternoon, BOA emailed and said they could no longer offer me the 4 % rate because of my timeline. They said I need to be in the premises 30 days after closing. They said they could still do the loan, but at 4.5 %. I said NO THANK YOU and PLEASE REFUND MY APPRAISAL FEE ( {$540.00} ) since BOA knew about my divorce timeline THE DAY BEFORE THE APPRAISER CAME.     I have escalated to no avail.

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