milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/13/2017 about Debt collection (Other debt) with Results Unlimited, Inc. (VA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: On X/XX/17 my bank account which included exempt funds was frozen. I was never notified of impending legal action or court proceedings involving this alleged debt. Upon further investigation papers were served to an invalid address in XXXX XXXX which I was never associated with. Court also had no record of lien until X/XX/17 late afternoon. Funds were withheld prior to that. Funds held caused undue hardship as I am a single mother and those funds were child support received. I had no access to any money whatsoever to care for myself or dependent child. Collection agency also refused to verify any information about debt without me providing them my place of employment. " XXXX '' was rude and unhelpful.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have recently obtained a copy of my credit file and there are many inquiries appear without my authorization

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 12/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: When I recently received my credit bureau report, I am surprised that there is a dispute by borrower posted by CitiMortage. I do not recall that I initiated any dispute with CitiMortgage and I havent received any notice from CitiMortgage about this dispute. Neither when it was posted nor any investigation result from CitiMortgage. Nothing at all. We are applying for mortgage and this dispute is the only hurdle preventing us to get this loan to closing our house. To continue our loan process, I am asking CitiMortgage to send me an email ASAP stating that the CitiMortgage receives my request to resolve this dispute on my bureau profile. My email address is XXXXXXXXXXXX. My loan number with CitiMortgage is XXXX. I called CitiMortgage initially but the customer service declined my request and asked me to wait for the final resolution from their research team. Then I talked with the supervisor who promised to send me an email but I havent seen it yet. This delay could cause us significant financial consequence. We are approaching the timeline stated on our contract to close our house. We are looking for help from CFPB hoping this could be escalated. Thank you very much!

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 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NAVY FEDERAL CREDIT UNION (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am writing to dispute the following information in my file. I recently reviewed my credit report. The credit report shows multiple inquiries i dont recall authorizing. I understand that you shouldnt be allowed to put a inquiry on my report unless i authorize it. Please remove as it is making it hard for me to acquire credit.
Navy Fcu
Inquiry from XXXX XXXX 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX3, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXXXXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Mortgage (FHA mortgage) with FIFTH THIRD FINANCIAL CORPORATION (MI).
Issue: Closing on a mortgage

Complaint: To whom it may concern,I am currently in the process of buying my first home through Fifth Third Mortgage Company in Michigan. My purchase agreement was completed and was sent to the processor on XX/XX/XXXX. We all agreed that closing would take place the last week of XXXX on the purchase agreement and through email due to me going out of the country starting on XX/XX/XXXX. During this process the processer requested for an insurance quote. He also sent me over documents to sign that had the wrong purchase price and wrong purchaser name. I sent emails stating this needed to be fixed on the XXXX. After no response after three days, I called stating the mix up where I was told to sign the documents to meet closing time, even though they were incorrect. I called my lender and told him the issue I had with the processor instructions in which he told me to mark off the incorrect areas and write the correct purchase price and my correct name on the document with initials next to those areas. I then received a call on XX/XX/XXXX from the lender stating that I need Home insurance to close. I proceeded to tell my lender that I sent two different insurance quote stating which one was cheaper to the processor a week ago. My lender told me that I actually need to buy Home insurance that day and that the processor is on vacation until next year and we might be able to close XX/XX/XXXX.I received a call today stating that the title transfer might take longer and that they never received verification from my employer. I sent an email stating why was I not informed because I could have got my company to sign off on this before the holiday break. I now have to call my boss during the holiday break to get him to sign off. They have also now informed me that I will need to get a power of attorney for someone else to sign off on MY FIRST HOME since I will be out of the country.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (LA).
Issue: Loan servicing, payments, escrow account

Complaint: Loan Care ( myloancare.com ) website has been down for the last two months so I have been unable to make payments online. As a result, I must call in a payment and wait on hold for close to an hour before speaking to someone. I want this investigated, the website does n't even work. I 've tried from multiple locations, multiple computers, multiple browsers. I could n't even get their contact information to load and had to find the number in a google search. How can they expect customers to make on-time payments when they ca n't even keep a website running?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Debt collection (I do not know) with Vengroff Williams, Inc (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/X/2017 at approximately XXXX EST, a female representative attempted to collect on a debt for someone else with a similar ( but not exact ) spelling name in the amount of {$74.00} for " XXXX '' XXXX XXXX. I explained I never heard of the creditor/individual. 

What was most disconcerting is HOW she went about the call. She asked to speak with me, would not clarify the name of the company or the nature of the call until I verified PII including my mailing address. She deceptively stated that she could not do this due to HIPAA law, which is obviously medical-related. This appears to be normal business practice for this collection agency and likely a violation of federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Debt collection (Other debt) with Resurgent Capital Services L.P. (SC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: The week on XX/XX/XXXX I sent a letter to the credit bureaus to dispute XXXX XXXX and I recieved a letter from XXXX on XX/XX/XXXX saying who they are and that they were collecting a debt so I sent a letter for them to fill out and validate this debt but they fail to do so. They reported to my credit file " Sisputed by consumers meet FCRA Requirements but they never validated for me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of ID Theft. I submitted the required documentation to Equifax as requested. According to federal law Equifax had 4 days to remove the disputed information from my report. I discussed this with a supervisor named XXXX XXXX and was told that Equifax was in compliance with all federal laws. The other XXXX bureaus have removed the ID Theft accounts. 
I had to take Equifax , XXXX to federal court to settle some disputes relating to ID theft accounts in the past. I was compensated by them to settle the case. Equifax in this case have not upheld their part of the agreement they made with me.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Request SPS to provide the following items to me ( this has been ongoing since they became the mortgage servicer since XXXX XXXX XXXX ) 1.written explanation why my property tax ( 1st installment due XXXX/XXXX/XXXX ) was paid late XXXX XXXX which incurred a penalty from the State of California ( $ XXXX est. ) which as of today has never been provided after 5 requests through letters and faxes 2.request for my impound account that pays my property tax and fire insurance be terminated and have the mortgage note modified to reflect the principal and interest payment without the impound..sent two letters as well as a fax letter and no response in writing from SPS as of today date 3.request a written explanation of why there is a escrow shortage for the tax and fire insurance impound since it is being added to the principal and interest payment and how did this occur..request three times via letters fax to their customer service account supervisor XXXX XXXX, XXXX XXXX, XXXX XXXX without result . last two months to date. 

Please have SPS comply to my written requests without further delay. I have been in contact with them long enough toi realize that it is a total waste of time and energy without your help to force them to comply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Thank you for providing this service. I have gotten repeated calls with no message left from Transworld Systems about a debt owed to a doctor. Although I live now outside of the XXXX area code, they make repeated calls often more than once during the day from different XXXX area code numbers. When I questioned the account representative about this, he replied that they have only XXXX number which is not true. XXXX XXXX XXXX over a 5 minute! time span. And I have received five calls in three days. They repeatedly change numbers and do n't leave messages. I owe money. I understand that. They should leave a message and they should not lie. I appreciate your attention to this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: " Input SSN is not issued by social security administration '' is on my credit report and I have a social from the Deferred Action.

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 02-02-2017 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Customer service / Customer relations

Complaint: Because I calculated my credit card payment thinking that a refund had been processed and not having the ability to check because the Chase Card website was too busy to log me in, my monthly payment was under {$2.00} less than the minimum payment due. This resulted in multiple calls EVERY day, ALL hours of the day. Even holidays ( this is XXXX and XXXX time ) and Sundays, the calls started early in the morning and never ceased. I was already charged the fee and my credit line was decreased. There was no need to continue with the calls. I have screenshots from my phone from XXXX/XXXX/2017 and XXXX/XXXX/2017 but the reality is that this went on for weeks. I should have taken many more screenshots.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/30/2016 about Mortgage (Conventional fixed mortgage) with RELIANCE FIRST CAPITAL LLC (ME).
Issue: Credit decision / Underwriting

Complaint: We tried to refinance our home mortgage with First Reliance Capital. I do not have enough space to explain the entire process. The quick version is on XXXX XXXX, 2016 we applied for a refinance mortgage. We felt we were prey to a bait and switch. Our first loan explanation was for {$240000.00}, points were XXXX. When we received the second closing documents before closing the loan increased to {$240000.00} and the points increased to XXXX. 
We then went through a long series of promised to lower the points, Despite all the documents, we did not have the loan we initially agreed in writing. 
We finally sent a certified letter requesting to close our loan. They again continued to call, hound us, plead to keep going with the loan process. We finally insisted to close the loan on XXXX XXXX, 2016. After firmly telling the loan officer we wanted to close she agreed. 
The next day her supervisor calls, again using very high pressure tactics to keep with the process. I told her she could send the documents but I still feel I want to cancel the loan. I then talked to our financial adviser. He recommended not to continue. I then sent an email asked to close our loan. 
I also phoned my bank telling them not to give any information. Reliance had already called after I asked to stop the loan process. 
I then received another call from the vice president of First Reliance, asking I call, I did not call him. He did finally email me and said he will close my loan. 
This is a very condensed version. There are many more details that are very important and I was unable to fit them in this space. I do have a letter that outlines what happened in full detail I feel this on line company used deceptive tactics, they used high pressure techniques to have me continue with the loan process when I asked to close our account. They also were very pushing with the homeowners insurance and the title company. I had complaints from both that they demanded things they did not need and were very demanding.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-04-2016 about Debt collection (Credit card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NC).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Usaa. Debt collection tactics with XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2015 about Credit card () with DISCOVER BANK (IL).
Issue: Delinquent account

Complaint: I received XXXX calls in a 4 hour period on XXXX/XXXX/15 from Discover Card. I am ill and was sleeping. The fact that this averages a call an hour makes this harassment. Especially considering I have told them in the past of my intent to declare bankruptcy. The calls came in at the following times:XXXX XXXX XXXX CST12XXXX CSTI was left XXXX voicemails ; this includes a full voicemail of someone typing which I believe was left just to harass, and the second the person just states her name and then pauses for a good amount of time before hanging up. 

They know what they are doing is wrong and they still continue.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Debt collection (Other debt) with Receivables Performance Management, LLC (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This collection agency has listed this on my credit profile without proper validation. I do n't have a contract signed with this agency or the original creditor. This collection agency has failed to send proper papers via mail notifying me this before listing on my credit. I have contacted this company and a csr stated it will be removed and sent back to original creditor. This has not happen yet. I will exercise all my rights since this is hurting my credit extremely and proper measure has n't been taking with the company.

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 08/20/2015 about Debt collection (Credit card) with Pinnacle Asset Management, LLC (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company has called repeatedly at my office and my cell phone on a debt which happened when I was laid off in 2009. 

Yesterday they called my cell phone back to back times XXXX during the day. They would hang up and then call back immediately. 

I called yesterday left a voice mail and stated that the harassment had to stop and my job was in danger because of their practices. I had already been verbally warned about the calls and HR has confronted me XXXX because they are harassing the department.

Company response to consumer: Untimely response
Consumer complaint received 07/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (MO).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I have a credit card with USAA Federal Savings Bank. I have had the card for well over five years and have never missed a payment. I received a call on XX/XX/XXXXfrom a collection agent telling me that I had failed to make my payment. I immediately scheduled an online payment from my account at a different institution effective for XX/XX/XXXX in the amount of {$110.00}. I then chatted with a representative from USAA and once she looked at my account waived the late fee because I have never been late on a payment. The payment of {$110.00} was effective for Friday XX/XX/XXXX. Once the payment was applied it should have made my balance on the card {$1900.00} giving me an available balance of {$95.00}. When I checked the account on XX/XX/XXXX my available balance was still showing a negative {$24.00} credit. I started a chat session with XXXX XXXX and was told that due to my card being over the limit by {$24.00} and my payment being missed they had placed a hold on my ACH payment that was effective on XX/XX/XXXX and it would not be released until XX/XX/XXXX. That is 7 days after my ACH payment was made. XXXX XXXX told me he was sorry and that there was nothing they could do about it. This is the first time I have ever had a missed payment and I remedied the situation as soon as I realized my mistake. Holding my ACH payment for 7 days is excessive. An ACH payment only has a two day window where it can be returned by the paying bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Debt collection (Credit card) with Radius Global Solutions LLC (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Today I contacted Central Credit Services LLC and informed that the debt in question had been charged off XX/XX/XXXX.I do not see this debt even listed on my credit report as well as no public record. I was originally taken to court XX/XX/XXXX and because I was on ssi the bank wrote the original debt 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 11/27/2017 about Mortgage (VA mortgage) with Forthright Funding Corporation (WI).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: We have repeatedly received letters in the mail from Forthright Funding, trying to get us to re-finance our VA home loan. We know it is most likely a scam, and too good to be true, plus our current rate is already lower than what they are offering anyways. I have requested multiple times to be removed from mailing lists and they just hang up the phone on me. I have also filed a complaint with the BBB and they still send us mail. 

Reference Number : XXXX This needs to stop, and veterans need to stop being targeted. It 's disgusting and embarrassing. 

Integrity, respect, service are their motto, but they are trying to rob veterans.

Company response to consumer: Untimely response