milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-05-2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (NC).
Issue: Trouble during payment process

Complaint: In XX/XX/XXXX, I was charged {$90.00} in fees but after speaking with the mortgage company twice, no one can tell me what they are for except to say that it is late fees from XX/XX/XXXX or XX/XX/XXXX. In XX/XX/XXXX, I have been charged {$340.00} in fees and can not figure out what these fees are for. My statement shows only " fees '' - no explanation as to what the fee is for.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Bank account or service (Other bank product/service) with TD BANK US HOLDING COMPANY (NY).
Issue: Problems caused by my funds being low

Complaint: I paid off my TD Bank overdraft protection in full as stated online. Thursday XXXX/XXXX/2016 I checked my account Monday XXXX/XXXX/2016 and found I had remaining balance of XXXX I paid that amount only to find the same day another XXXX was tacked on after I made the required payment. This has happened on multiple occasions. It is a rip off of peoples money. If a payment is made the bank should not be allowed to ask for more money than originally requested on multiple occasions. I have even called the bank previously to get the amount owed. It was told to me and I paid it only to find the same thing happen. TD bank is robbing people.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Credit card () with CITIBANK, N.A. (IL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On XXXX/XXXX/2016 I opened a new Citi AAdvantage card for a credit on an airline ticket purchase. I used the new card successfully to purchase my ticket. On XXXX/XXXX/2016 I received an email asking me to call Citi about potentially suspicious activity. I never received the actual credit card itself so this was concerning. When I Googled the phone numbers associated with the calls made on XXXX/XXXX/2016 between me and Citi there were numerous reports online about people having the same experience as I was. Specifically, opening a Citi AAdvantage card then having suspicious charges made in Michigan state showing up as fraud. Seems odd that these particular fraud events would be repeated in detail on more than XXXX persons account in the same way. Seems like maybe it 's an inside job.

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 10/17/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: Went to a new Chase Branch in XXXX CA on XXXX XXXX XXXX, was greeted by the branch manager, was trying to deposit a cashiers check in my business account and was told because it was addressed to me personally that I was not allowed to sign the check over to my business which I have done over a 1000 times with every other representative at chase over the last 7 years I 've had this account. I asked if she can ask a supervisor and she said she was the supervisor and that she will NOT be depositing this check into my business account. I felt I was being discriminated against based off how she was responding to me and how unprofessional she was behaving on a simple request. 3 business days later, the completely closed my business account and no one at chase would give me any reason as to why. I have been with them for 7 years with zero disputes or issues and my account has always been in good standing. this was strictly done in spite because the manager was discriminating against me and had no justification for treating me this way and ultimately banning me from this institution. I will fight this until justice is served.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Mortgage (VA mortgage) with Caliber Home Loans, Inc. (MD).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I applied for a refinance through Caliber Home Loans, my existing Mortgage provider, in XXXX XXXX. This originated from a cold call from them to me and I only started this process because I had considered doing a refinance to complete some home improvement projects sooner than I had planned. 

Caliber has since added additional requirements and at each stage, when I have provided everything asked for, or available, a new criteria has been added. 

Now they are DEMANDING that I produce a relative who does not live in my home, and provide contact information for them. When I informed them that the only one I could think of was estranged, and repeated attempts to contact him failed, I provided the information for my child 's mother. 

I was told that this was unacceptable and it was required to be a relative, and since I mentioned that I have a child, I am now required to provide " all pages of documents ''. I have asked what " all pages of documents '' means and advised that if they were implying some sort of court order, that one did not exist and I could not prove the " non existence '' of something. 

The response was that if I did not comply with their policies, they will not process the loan. No response to my questions has been provided. 

This is after a considerable monetary investment of time away from work and out of pocket expenses for appraisals and inspections. 

This is discrimination based on family status and considering that this company had no problem accepting payments for the past XXXX years, they are actively denying a loan based on criteria that has nothing to do with the ability to repay a loan. 

I have the entire email thread to support this.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: One of the issues on my credit report is apparently a junk debt buyer sued me for a debt that is not mine. Now he has placed a judgement on my record through XXXX XXXX XXXX XXXX. A default judgement. I ca n't even get enough credit to buy out my lease on my car. I do n't know how to fight those guys. Also, there is a judgement that was satisfied that belongs to a family member with a similar name. Then there are several addresses and phone numbers that I have NEVER HAD! I 'm frantic!! I have tried to dispute the info, but if I do n't give the answers that are supposedly mine, I ca n't even file it. What should I do? This is so horrible. 30 years ago I was a victim of identity theft and it 's still coming at me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Debt collection (Medical) with The CBE Group, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received Financial assistance from the hospital for all my hospital bills. I do not owe anything and have directly contacted the hospital to make sure. I keep getting phone calls from this third part and i do not owe a dime.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (WA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Based on the statements enclosed fraudulent transactions were posted in the amount {$7400.00} from XX/XX/XXXX through XX/XX/XXXX. According to the statements the majority of the transactions are consistent with common fraud. {$2500.00} are large online purchases or card not present transactions. The other main purchases are large amounts with XXXX XXXX XXXX ( {$1500.00} ), XXXX ( {$790.00} ), and XXXX XXXX ( {$250.00} ). In addition several gasoline transactions took place on days when I was at work ( XXXX XXXX XXXX, XXXX. ) This is undeniable fraud because I have only commuted to work by bus or bicycle for 13 years. Additional purchases were made online during weekends. The fraud is flagrant. All the transactions were perpetrated in the course of 67 days. The amount spent was more two months of my take home pay. I believe the reason that Discover will not release the original application was because they also verified the application with a cell phone number. This is also impossible because I did not have a Cell phone until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Debt collection (Payday loan) with Internal Check Systems, LLC (NC).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I received a call from a private number notifying me that I had been served and to call XXXX and provide case # XXXX. I called that number an the company did not identify themselves until I asked who I was calling. I was transferred to a man named XXXX who proceeded to tell me I owed a Payday Loan from 2010. He had details of an old bank account and old email address of mine. I asked who had called and told me I had been served and he answered a courier company had called me to notify me of a pending judgement. I think this debt is too old to collect on and am not even sure I still owe said loan. He gave me XXXX options for payment and told me I had to pay them something to allow him to put a stop order on the judgement where it would end up costing me $ XXXX to take care of. I told him I would n't and could n't guaranty anything until I had time to thiink about it. He kept pushing for some type of payment which I refused to give. As far as I know thay are not even licensed in the state of NC to be able to collect a debt. I 'm furous that I had to hear about this from a courier company who tells me I 've been served. Is that legal??

Company response to consumer: Untimely response
Consumer complaint received 11-09-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: My bank card was stolen on late XXXX XXXX early XXXX with a balance in my checking account of {$85.00}. Who ever had the card made a series of fraudulent check deposits on for the amount of {$640.00}. The other for the amount of {$940.00}. I immediately went into the nearest branch and informed them as to what had happened and had the card cancelled and opened a fraud investigation. 
After sometime the bank reversed some of the fraudulent but not the others -- seemingly based on amount. What I would like is the before fraud amount restored to the account ( XXXX XXXX, XXXX NON-CHASE ATM FEE-WITH Fee {$2.00} {$85.00} ) and all other fraudulent activity voided.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Balance transfer

Complaint: I have received at least XXXX solicitations for a balance transfer from CapitalOne over the past several weeks. I decided to accept their offer onXX/XX/XXXX at approximately XXXX. Upon completing the informationfor the transfer, Capital One shut down my account due to " suspiciousactivity ''. When I called them, they cut me off XXXX before asking me aseries of questions, which had no answer from a representative whodid not have a capable command of the XXXX language. Questionsincluded the age of my father, which I answered correctly, a car that Iowned XX/XX/XXXX, which I answered correctly, and towns where I lived, which did not exist ( e.g. XXXX, NJ-there is no town called XXXX, NJ, I did tell them that I lived in XXXX County, NJ at some point, whichserved to confused the issue ). They informed me that I would have to filepaperwork to re-open my account due to possible fraud. This is not thefirst episode of ridiculousness that I have had with Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have sent documentation from the judge multiple times to all agencies regarding bankruptcy. 
All were vacated. Transunion has removed XXXX but continue to post XXXX that had the same outcome VACATED. id # XXXX was removed from my credit report however they left the following on my credit report. All were VACATED ... Here are the other XXXX ID numbers associated with the multiple documents sent to Transunion. 
ID XXXX and ID XXXX STILL ON MY CREDIT REPORT AND AGAIN ID XXXX WAS DELETED FROM THE REPORT. MAKES NO SENSE WHATSOEVER.

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 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Medical Data Systems, Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Credit Reporting Bureau XXXX is reporting an unauthorized account on my report that has been proven by the collection company that they do not service the account after it was disputed.

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 11/20/2017 about Debt collection (Medical debt) with Medical Data Systems, Inc. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Have disputed debt several times. This is a debit that belongs to my adult child whom have his own insurance. I was listed as responsible party from when he was under age. He has his own insurance since age XXXX. Hospital fail to collect his information. They assumed everything was still the same. I have since had myself removed as responsible party but the beauru keep stating its me debt. The debt amount is {$3100.00}.

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 07-11-2017 about Checking or savings account (Checking account) with U.S. BANCORP (MO).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: US bank local branch closed my account without informing me until two weeks later and did n't pay out to me remaining funds in an amount of {$390.00}. Nobody seems have an answer as when I will receive my funds.

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 04/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a fraud victim from someone who opened up a XXXX account with my name and social. I filed a police report and was advised at that time not to send any more personal information to them. The cop went to comcast in person and told them I had submitted proof to him that it was not me. They refuse to take the charge off my account. I contacted them later and they said they could n't do it bc I needed to file a report on the FTC website. So I did. They still wo n't take it off. Now I can not get anyone on the phone with XXXX. They keep giving me the run around and have told me TWICE that the fraud dept. will contact me in 72 hours and they have not. I am not 100 % sure of my rights, but if a cop says that I have already proven my innocence, can they still demand more paperwork? Since when should I obey a XXXX rep over the POLICE? I am to the point of backing down to get it over with. I have my proof of residency ready to email, but I ca n't get anyone to give me an email to send it to. XXXX when I tried to call, they just transferred me to the FTC and hung up. We were both confused as to why we were even on the phone with each other. I do not have a problem with the collection agency because they have removed it twice already with no hesitation. However, XXXX every so often sends it back to the collection agency all over again. I really need help getting XXXX to clear my name. 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 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
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: XXXX continues to report inaccurate information on my account -items have been disputed, however, they continue to report and are causing me problems

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 06/21/2017 about Vehicle loan or lease (Loan) with TOYOTA MOTOR CREDIT CORPORATION (CA).
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint: The Toyota   XXXX    XXXX  was totaled in collision back on  XXXX . We have been waiting patiently with  Toyota Financial Service filed out claim with Toyota Gap auto protection. After all this time we received a letter that our claim has been denied because document proving the car has been totaled has n't been received by Toyota GAP. The document proving the car was totaled was sent to Toyota Motor credit Corp by   XXXX  and  XXXX  impound and Toyota put value on the car and decided the car does n't worth impound fee and sold the car to impound.. As indicated on the attach letter. Please send this document and authorization to sell the car to  Toyota Guaranteed Auto Protection to pay our claim, also a copy of it  to me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Transaction issue

Complaint: I have had to call Care Credit and/or talk to multiple representatives six times in twenty days. I have never experienced such horrible customer service and lack of professionalism. Every time I call Care Credit, I am told finance charges are being waived and that the payments will be adjusted from the Promotional Balance and placed on the Revolving Balance as I have requested. I am also told that the payments I am currently making will be applied to the revolving balance as requested. Yet, every single time I call or get a new statement, nothing I have requested has been done, or it has been done at one time, and then reversed to the promotional balance. I have to micromanage this company every single day. They apply the total payment to the promotional balance in order to keep all of your balances active so that they can continue charging the maximum interest and assure that your balances do not go down.

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 08/31/2017 about Debt collection (Medical debt) with CBCS, Inc. (KS).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX XX/XX/XXXX Approached by a debt collector in Nebraska about a bill, requested validation none sent. Reached out to XXXX XXXX XXXX to settle any old debts in good faith, paid all and was assured I had no more obligations to them. 


XX/XX/XXXX XXXX XXXX XXXX sent an account I do not owe to a debt collector who is now trying to force me to pay the debt. I have asked for validation from the debt collector which has not transpired according the Fair Credit Act. Amount is approximately {$1300.00} for a supposed bill from over 3 years ago Attached copies of accounts I settled, and validation letters I sent

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: A collection company has listed a derogatory trade line on my credit report. Instead of disputing the account with them, I agreed to pay the account in full for XXXX which was paid on XX/XX/2016. In return, the company, Credit Collection Services ( CCS ) agreed to report this account to XXXX and XXXX for total deletion. They account was never listed on my XXXX report. After checking with both of these credit reporting companies, they still have not received an updated request from CCS to delete the account and CCS is saying they have done so while the credit reporting companies is insisting they have not requested deletion of the account. In addition, the account still shows and outstanding balance. I have contacted CCS and their standard rebuttal is that it will take 30 days to reflect the deletion request while the credit reporting companies are insisting that if they have indeed requested the deletion of the account, the request was perform immediately upon their but insist they have not received such a request. The document attached do not reflect the actual date the account was paid, it only shows the date I printed the form and as you can see it reflects a XXXX balance. This incident is stopping me from transacting a major purchase and I need the account deleted as CCS promised on a recorded phone line during several conversations.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Debt collection (I do not know) with Essential Retrieval Group (MN).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I have had this loan in the past but was called at work by a man named " XXXX '' who told my secretary that if I did n't answer his phone call I would be handed a subpoena at work in the next hour or so. 
A docket number from the court was attached to the message from the secretary and he said I could either call or they would show up at my XXXX. When I took his phone call he asked for my social security, ATM card number and offered me a " deal '' to pay off this debt. When I called this number in the evening to investigate further someone answered that was unprofessional and unwilling to give me information about his company ERG. 
I called back again and they would not give me an address to send a cease and desist letter to them. They would also not give me a liscence number for their operation/collection office. Doing an internet investigation it sounds like they are misrepresenting the court system and making threats as well as disrupting my co-workers and self. They are pretending to be government officials and coming up with bogus document numbers which in reality would be mailed out if they are legitimate.

Company response to consumer: Untimely response