milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/16/2016 about Debt collection (I do not know) with Financial Credit Service, Inc. (TX).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I received a call today at XXXX XXXX XXXX/XXXX/2015 asking for XXXX XXXX my daughter. The person refused to provide me with there name. I asked if I could take a message he proceeded to say we are following up on a previous arrangement made to remove a summons. If she does not contact us today the summons will be processed and she will be charged and possibly prosecuted. I asked him if this was a collection agency he said no we work for XXXX XXXX we are not a collection agency. I said you are not and your calling from an XXXX number. I know fraud deception when I hear it and I could hear the other reps on calls in the background. I told him not to call again to remove my number they will be reported. He kept talking and I hung up. Why did this fool call me right back saying threatening nonsense. I hung up called the number from my cell the company name stated ARA. First of all he broke every FDCPA law in place for dept collection. He did not provide his name or company name, He provided personal information to a third party and stated he was not a collection agency when they are and he made threats. My daughter needs to be compensated for deception, fraud, and providing wrong and untruthful information to a third party. These people could of called somebody else and stated the same information to them. There phone number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: loan was opened by my now XXXX wife on or about XX/XX/XXXX. At the time my wife and I were legally separated prior to this date XX/XX/XXXX. We did not live at the same address at the time the loan was fraudulently taken under my name. I did n't find out until XX/XX/XXXX that there was a charge off on the account. I thought I was doing the right thing by paying off the loan. After many telephone conversations with the company 's manager she stated the loan would be removed from my credit report. it has taken this long to report to you because she told me it would be 45 days at least until it was removed. She closed the account but did not remove it as promised the late payments were not caused by me but my ex wife refused to pay. Made several attempts to correct the issue but to no avail.The company is XXXX XXXX located at XXXX XXXX XXXX in XXXX Georgia XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: My XXXX XXXX Credit cards are not populating on my XXXX  credit report. I have collection items that are paid but are still showing on my report.

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 11/24/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (WV).
Issue: Loan modification,collection,foreclosure

Complaint: I have received a letter from XXXX about Green Tree Servicing. I am responding by saying I have never received a check in the mail.I have called and spoke to someone about it. Maybe I 'm not at the right website but I would like to make a complaint about them. I understand that times I have been late and my credit is not that good but they have harassed me for years with nasty threatening phone calls. My account is always messed up causing lots of late charges. I have tried to make arrangements to correct my account unsuccessfully.Thank you for bringing this out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Mortgage (Conventional home mortgage) with BOK FINANCIAL CORP (CO).
Issue: Trouble during payment process

Complaint: I have a mortgage with Colorado State Bank and Trust. Account # XXXX I mistakenly thought they were auto collecting from my bank account. Come to find out they were no longer taking auto draft payments. Somehow they notated my file as " do not contact '' so they never contacted me. Today I discovered 5 months have gone by without a payment. I immediately called to make a payment in full to bring my account current. They refused my payment and referred me to a foreclosure attorney. The Foreclosure attorney XXXX XXXX XXXX XXXX XXXX File No XXXX has not processed the file. They said it was a brand new file and nothing was on record yet. They have not filed foreclosure. I called the Public Trustee Office and confirmed Foreclosure has not been filed. Both the Bank ( Colorado State Banks and Trust ) and the Foreclosure Attorney XXXX XXXX are seeking to publicly file foreclosure proceedings against me instead of allowing me to bring the loan current. They are refusing forbearance or to accept any money.. I have all of the money they are seeking to bring the loan current and instead they are seeking to incur unnecessary legal fees and file a Notice of Election and Demand against me, at some point in the future, instead of accepting my money today. I have spend over three hours on the phone with both the mortgage company and the foreclosing attorney and their united and consistent goal seems to be - refuse my money. Take my house. Take my equity. They refuse to work with me whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Debt collection (I do not know) with CREDIT BUREAU OF NAPA COUNTY, INC. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Since XXXX I 've been receiving calls from a debt collection company, Chase Receivables. 
Their number is XXXX XXXX XXXX Their website is XXXX I 've checked with my XXXX banker and they 're not affiliated with XXXX XXXX They say I have a delinquent account They wo n't ever say what the account is because they say it 's federal law that I need to verify my identity first They tell me that I have to provide my DOB or my SS # When I do n't provide it they say that they need to make a note in my file that I 'm " refusing to verify. '' When I tell them I 'm not providing any information unless I see something in writing they say that they 've sent me mail, which has been returned They call regularly and when I do n't pick up they never leave a voice mail

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: There are  XXXX  accounts on my credit report that are reporting late payments when I was in fact never late.      XXXX   XXXX   XXXX   XXXX  -  XXXX  ( 30 days past due  XXXX ,  XXXX ,  XXXX  )  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ( 30 days past due  XXXX  )  XXXX   XXXX   XXXX   XXXX  -  XXXX  ( 30 days past due as of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  to  XXXX   XXXX  ) I was never late on these accounts and should not have any late paymetns.

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 04/18/2017 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: 1 year and a hAlf ago .. . .I req uested and received my credit report and notice numerous accounts that were inaccurate, erroneous, outdated, beyond  statue of li mitation, and JUSE Not MINE..and put a FRAUD ALERT ON MY REPORTS.I wrote all three credit bureau 's disputing the NEGATIVE ITEMS . .. .I Rec eived numerous responses stating items were 'VERIFIED'..However when I exercised my FCRA RIGHTS and requested VALIDATION..METHOD OF VERIFICATION, OR CONTRACT BEARING MY SIGNATURE from the  XXXX  CREDIT BUREAU 'S . (   XXXX  ... .. XXXX ..EXPER ) ..TO THIS DATE   XXXX   XXXX    2017..I H AVE NOT RECEIVED NON OF MY FCRA LEGAL ENITTLEMENTS .. . ..I am bein g VIOLATED and I need help and assistance. ... ..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 01-07-2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Problems caused by my funds being low

Complaint: On XX/XX/XXXX, I had a number of items presented to my checking account for payment. At the time the items were presented, I had an available account balance of {$290.00}. The following items were presented : {$30.00} {$30.00} {$20.00} {$100.00} {$440.00} I knew that there would not be sufficient funds to pay all items but at least the top four items to totaling {$180.00} would be covered since there was {$290.00} available in my account. 
The next morning, I received notification that I was charged three fees @ {$34.00} each. I called the bank to inquire why there were so many fees when there was enough money to cover XXXX out of XXXX items presented. I was told that the bank policy is to pay the largest item first then all items follow. I still disputed that because there was n't enough to cover that {$440.00} item. I told the rep that was an unfair practice designed to overcharge their clients. She could n't dispute and said sorry but there was nothing she can do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/18/2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX, 2015 I would like to file a complaint against Citi Mortgage. They refuse to consider modify loan, that I now believe was inappropriate to begin with. I have been trying to get this loan modified for several years. The only reason they will not even consider modifying the loan is because I am not delinquent. If I can not get any assistance, I will become delinquent. I do not want to ruin my credit or become delinquent on the debt. 
When I purchased my home as my primary residence, I was put into an interest only commercial loan by XXXX XXXX ( now XXXX XXXX ) for XXXX % of the loan amount. The interest rate was 5.875. In addition, there was a second mortgage with Citi Mortgage at a rate of 7.5 %. XX/XX/XXXX my loan will change from Interest only to Principal and Interest. I will not be able to afford this loan. In fact, I know believe it was inappropriate to put me in a commercial loan for my primary residence, especially since I have excellent credit. I was sold on this loan not really knowing what and why? 
Over the past several years, I have attempted to get these loans modified. I was told several times that no one would talk to me because I was not delinquent. In addition, it seems I am not eligible for a HAMP because it 's a commercial loan. 
I have tried everything to avoid damaging my credit and losing the property. Since I could not get the loan modified or refinanced, a few years ago, I rented the property and moved with family. The rental income covers the interest only loans, but will not cover the principal and interest payment amounts. I continued to try to get the loan modified to no avail. It was my hope to modify the loans and return to my home. 
When the loan was approved, it was based upon my stellar credit and my household income including my income and the income of my husband. I was told I could refinance this loan. In trying to modify these loans, I have had nothing but trouble because I have never made a late payment. In addition, I am now going through a divorce and my household income is reduced, however, I maintain my stellar credit. I am unable to refinance the loans because the value of the property is less than the loan amount. This is my last effort to try and get some help to modify these loans. I am in a situation at this point that if this modification does n't happen I will be forced to walk away from the home completely and allow the property to go into foreclosure. I know I can pay the modified mortgage amount as agreed. 
I keep getting the run around by rude people that stops my process of saving this house. I would like to modify it so I can move back into my home. I need help, quickly and I am resorting to you as I do n't know what else to do. 
Respectfully XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Closing/Cancelling account

Complaint: I opened several accounts at the XXXX, NY Chase branch on XXXX XXXX : checking, savings and XXXX credit cards. I already had a credit card with them. I completed all the documentation with the banker and provided all the original ID required ( SS, driver license, passport ). He scanned everything and I went home. He called me the next day and said he forgot to ask me to write my name on some form. I went back to the branch, completed a brand new form and left. A month later, I received a letter from Chase saying they coul n't verify my SS. I called them to ask what it was about since the banker had had my SS twice in his very own hands and scanned it twice. I had to complete another form and I took it ( again ) to the branch. The banker called the service responsible for this situation and asked them what he should do. They told him to send ( again ) the form with the scanned SS and other ID, which he did in front of me. After wasting a few hours on this matter, I thought the matter was settled for good. 

On XXXX XXXX, I checked my accounts on Chase website and discovered my XXXX credit cards accounts had been closed without any warning. I called customer service and they were unable to give me a reason why they would do that. On XXXX XXXX, I went to the local branch, my banker called them and those idiots said they had n't received the completed SS verification form that was sent them THREE TIMES. So I completed the same form all over again, the same banker scanned the same SS card and send it to the same idiots. My banker apologized profusely and told me everything would be back to normal within two days ( that is what he was told over the phone ). The next day, I discovered my banking and savings accounts had also been frozen without any reason nor warning. 

I finally received on Friday XXXX letters, XXXX dated XXXX XXXX and the other without any date, stating my accounts had been frozen and/or closed because they could n't verify my SSN. Fed up with wasting my time going to the branch, I called my banker so he would take care of the situation. He went back to me and said my checking and savings accounts had been unlocked and the credit cards would be restored within 5 business days. That should have been on XXXX XXXX, over a week ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The credit bureau is reporting that I owe {$410.00} for an account under the name "   XXXX   XXXX   XXXX   XXXX   XXXX   ''. My report shows that it was opened in  XX/XX/XXXX  with an account number of "   XXXX   ''. I have never had any business dealings with this company and do not understand why this is being reported to my credit. I have never received any bills or letters in the mail explaining that I owe this debt or even why I owe it. This is not my account and I do not have a delinquent debt with this company. I have disputed this with the credit bureau numerous times ( since  XX/XX/XXXX  ) only to receive bogus responses saying that the account has been verified? I 've done research of my own and I even called this company using the phone number provided in the credit bureau response letters. The representatives I have spoken to can not find an account that matches my personal information. Clearly something is not right. I need this to be addressed immediately. It should not take this long to conduct a proper investigation and confirm that this account is not mine.

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 07/31/2015 about Debt collection (Credit card) with Resurgent Capital Services L.P. (VA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have sent a letter to this firm on a debt to XXXX, XXXX XXXX XXXX XXXX XXXX. To please send me the information on this dept, ( as per the sample letter you provide. The letter was sent Certify mail. So I can obtain proof of my actions within the thirty days. They have returned a reply, with a some papers that was looked up online. No original signatures, No Statement of last activity of the account. they stated its a judgement, but not on my credit report. ( SOL must of ran out, if it was on their ). I will send them another Certified letter again but highlighted with info required and have it notarized. I will also give them a order to stop until proper info has been provided on this debt. That I will take full legal actions against their firm in the state of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (FL).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: Due to XXXX XXXX own negligence they allow someone to open several accounts in my name and because they did n't take the proper protocol I have several accounts on my report that they wont remove. I will not give any company a dime and I wasnt responsible for spending the dime. I have contacted them on several occasions to fix this matter be for I take legal actions against the company.This is having a negative impact on my credit. Why would anyone open so many accounts at one time and that doesnt give the bank a red flag XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2017 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CO).
Issue: Deposits and withdrawals

Complaint: I 'm not certain if this is a USAA banking issue or a general banking issue, but it is an issue. I deposited a check via mobile banking on XX/XX/XXXX. I should have shredded the check right away but USAA said it could take 3 business days for them to accept the deposit. I set the check aside, then XXXX happened. On XX/XX/XXXX my husband saw the check and thought I had n't deposited it yet. He took it to a local bank and somehow it was deposited into a seldom used savings account. Neither my husband or I realized this had occurred. On XX/XX/XXXX USAA deducted the deposit that was made on XX/XX/XXXX from our account and said it was a duplicate deposit. They could n't tell me anything else, where and when the other deposit was made, etc. Of course, my first thought was that someone must have stolen the check and deposited it somewhere. I looked at the details of the XXXX other checking accounts we have and there was no duplicate deposit. I did n't think to look in that savings account as the only transactions there are automated savings deposits and we do n't even have deposit slips for it. However, to be sure I pulled up the info on all of our accounts including that one, and there it was. How it went there is still a mystery but that 's our issue. My point is that while the mistake was absolutely ours, in these days of so much theft and fraud it would have been helpful if USAA could have given us the information about the duplicate deposit - bank and date of the duplication. If it is a Federal rule to either not provide that info to USAA or to not allow USAA to provide the info to the consumer, maybe that can be changed. Thank you for considering this issue.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2015 about Bank account or service (Checking account) with SCOTTRADE BANK (CA).
Issue: Account opening, closing, or management

Complaint: There is an ongoing dispute between myself and Scottrade Bank that has caused me to loose access to my funds and suffer hardship as a result of Scottrade Bank 's delays on letting me access my account. 

Specifically, I submitted a complaint against Scottrade Bank and the OCC for what I would consider to be illicit actions by a Scottrade Bank employee, regarding the handling of customer information and critical financial information. Days after sending the complaint, Scottrade Bank locked my account, but failed to inform me of this action. Weeks later, when attempting to access my account, I noticed that my account had been locked. 

I called the XXXX XXXX XXXX who said I needed to call the local branch. I then called the local branch and they said I needed to call the XXXX XXXX XXXX. I was caught in a XXXX with no access to my account or my funds. 

I am writing this complaint as well as providing the attached in hopes that the CFPB can investigate the fraud at Scottrade Bank and mediate a helpful resolution.

Company response to consumer: Closed
Consumer complaint received 06/15/2017 about Debt collection (Other debt) with I.Q. DATA INTERNATIONAL, INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I moved out of  XXXX   XXXX  in  XXXX   XXXX . In  XXXX   XXXX , the apartment complex engag ed IQ Data International dba R ent Collect Global to collect a debt of {$120.00} they claimed I owed for cleanout of the apartment I vacated in  XXXX   XXXX .  <P/> I disputed this debt with both the apartment comple x and IQ Data. B oth parties maintained that I owed the debt.  <P/> I sued the apartment complex  in Justice Court to have the d ebt cleared and my apartment deposit returned. On  XXXX   XXXX ,  XXXX  t he Justice of the Peace issued  the judgement on this case in my favor. In  XXXX   XXXX , the  XXXX   XXXX  wrote a check to pay the court costs and return my deposit.  <P/> 
IQ Data has refused to stop reporting this debt to the credit reporting agencies   XXXX   XXXX   XXXX   XXXX  . I   disputed the debt directly with all  XXXX  credit reporting agencies.   XXXX   and   XXXX   have removed the collection from my report.  XXXX  has not.  <P/> Per my current  XXXX  credit r eport, IQ Data Collections has inc reased my debt due to interest owed to {$130.00} and continues to report this debt as of  XXXX   XXXX ,  XXXX . I have written  to both IQ Data and  XXXX  on multiple occasions to remove this mark from my credit history, but IQ Data maintains that I owe the debt despite being presented with the court 's judgement.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief