milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HYUNDAI CAPITAL AMERICA (KS).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I purchased a new car from XXXX XXXX in XXXX Kansas this past XXXX, XXXX. Before going to the dealership, I submitted my information online to be pre-qualified for financing. Once getting to the dealership, they checked my credit again without looking to see that it had already been done. They worked hard to get me financed and were finally successful. 
By the end of the week I saw the two XXXX XXXX hard inquiries on my credit report. In addition to that, XXXX XXXX checked my credit a third time without my knowing. And they also submitted my information to 11 other finance companies and authorized them to pull my credit individually WITHOUT MY KNOWLEDGE OR CONSENT. This whole process created a total of 14 hard inquiries on my credit reports ( XXXX showed all of them ) and brought my score and borrowing power down for the next 2 years. 
The first time I bought from XXXX XXXX XXXX XXXX XXXX XXXX they shopped me around for financing WITHOUT authorizing other companies to check my credit independently. I NEVER would have agreed to 14 credit checks. I would appreciate it if these were removed. 
I have tried to contact XXXX XXXX and a few of the other companies but I never am able to talk to anyone who has the power to remove these inquiries. So I am stuck with no reprieve or apology.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2018 about Debt collection (I do not know) with Source Receivables Management LLC (AR).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: I told the company that I dont owe them and that they should stop harassing and calling me four times a day. I do not Owe the any money. and they should leave me alone. they got rude and started cursing and I hung up. They called right back several times. I dont owe any Debt to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EXETER FINANCE CORP. (GA).
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint: Numerous telephone numbers and accounts that I have no knowledge they existed. Attempts to collect debt have been attempted on accounts that have been cleared or have previous judgment to be satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Chase closed all m y credit cards and checking accounts without notice. When asked about the reason, none was given except the answer of " due to compliance ''.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2015 about Debt collection (Credit card) with Resurgent Capital Services L.P. (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: why are my wages still under a garnishment when my debt went into default in XXXX and LVNV funding did not show original signed documents from XXXX..there is no proof of ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Debt collection (Medical) with OPTIMUM OUTCOMES, INC. (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I find a debt of {$270.00} listed on my XXXX Report for XXXX XXXX XXXX - via Optimum Outcomes - from 2013 - no attempt to collect or notify me of said debt or to validate it has been made to me. I want it off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Debt collection (I do not know) with PNC Bank N.A. (WV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Last year my identity was stolen and I reported it to all the proper entities. Yesterday in the mail, I receive a form letter from a company called  XXXX   XXXX   XXXX  claiming that they were trying to collect a debt owed to PNC Bank. I have nothing with PNC Bank. I have tried to contact the company 4 times since last night. I spoke with one agent who had me call another number last night andnwhen I called the nimber I was put on hold for about  9  minutes. I called them back today and the first time I called the guy hung up on me. The second time I called, the guy wanted me to give them my social security number before they would proceeed and I told the guy again that I had had my identity stoloen before and that I was not going to give someone my social security number over the phone who I did not know. He told me that if I would not give him my social security number that he would end the call. I told him to end the call and I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: A XXXX XXXX Charge is showing up on my Credit Card. They were not authorized to put any charges on my Credit Card. I did go on their website looking at flights and cancelled the transaction and did not purchase anything. For some reason, they took the information input and charged my account. I called them within 24 hours to ask why they charged me and they would not return the funds even thought they were not authorized to charge 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 monetary relief
Consumer complaint received 01-10-2018 about Debt collection (I do not know) with Nationwide Recovery Systems, Ltd (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I am repeatedly being called by Nationwide Recovery. The preliminary call is a robo-call asking to return a call to XXXX. I have received these calls 1-2 times per week for several months. On 3 occasions I have called back to speak to a representative. In each case I have been informed that they have no debt associated with me. On one occasion I asked to speak to the supervisor. I was transferred to a voicemail and left a message explaining my situation and my concern that I was being harassed. I left contact information to get back to me to discuss my concerns. I was never contacted by the supervisor, however, the robo calls continue.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2015 about Credit card () with SYNCHRONY FINANCIAL (ID).
Issue: Billing statement

Complaint: Noticed a fraudulent charge on my account on XXXX/XXXX/2015 for a charge on XXXX/XXXX/15 for an amount of {$260.00} thus increasing our monthly minimum amount. This minimum amount would not have increased if there was not this fraudulent charge, and now the credit card company Walmart will not reduce the difference of the minimum amount that is in arrears do this fraudulent charge. And now also wants to penalize us for the next six months of a higher minimum due to the supposed missed minimum payments made during XXXX and XXXX and XXXX which since we had not been using the credit card was unaware that the minimum payment amount had gone up. I want this minimum amount difference due to the fraud charges to be refunded. Because we were making the minimum payment. it only changed due to this fraudulent charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-12-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MD).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company keeps showing a large outstanding balance online and in statements which is not due. Customer services keeps saying it is a glitch in their system and to ignore it. At this point I dont trust what I owe them and I want a full accounting of what I have paid to made sure it was applied properly. I want a full history for two years because this has been going on that long. I was behind and I think they are taking advantage of that.

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Struggling to pay mortgage

Complaint: In 2004 we were encouraged by a loan officer we knew well at XXXX XXXX to take out a home equity line of credit. XXXX -- no appraisal, no verifications. We actually did 4 more equity lines!! Interest rates increased, values fell!! We retired & have had difficulty paying on these lines although somehow we do it each month. We have begged XXXX for help -- loan modifications ( lower interest rate, reduction in pricipal ) Something!! They acted like they wanted to help but could only offer a possible short sale -- we live off the rent incomes -- how could that possibly help? Please no response from XXXX XXXX, Office of the President -- she has been NO HELP WHATSOEVER!!! Now we receive a letter from XXXX, XXXX XXXX saying our equity line is available & open to use!! WHAT IS WRONG WITH YOU PEOPLE AT XXXX????

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Credit card () with BARCLAYS BANK DELAWARE (MA).
Issue: Rewards

Complaint: When I signed up for my credit card, I received an XXXX pass good for a year ( I activated my card and received the passes on XXXX/XXXX/XXXX ). I called BarclayCard support on XXXX/XXXX/XXXX asking for the specific date of expiration of my pass. The representative said that my pass expires on XXXX/XXXX/XXXX, and I confirmed with that same representative that I can use the pass through XXXX/XXXX/XXXX. I found out today XXXX XXXX/XXXX/XXXX XXXX that my pass expires on XXXX, contradicting the information given by the representative. I contacted BarclayCard today asking if they can either extend the date or reimburse the cost of a pass ( {$100.00} ), and they only offered me XXXX or XXXX points, worth {$20.00} or {$50.00} respectively. Had I been informed of the correct date by the representative I spoke with, I certainly would have used the pass. Instead, I was misled and unable to use the benefit I intended to use when I signed up for the card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/19/2017 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: The company has been contacted many times about these medical bills which are n't mines. I have reached out to the company many different times and advised of these not being my debts the have stated that this is my debt and they will not adjust it although they have sent me notification of the debts being adjusted on other accounts which I have disputed as not being mine. The accounts are XXXX for XXXX date of service XX/XX/XXXX ; XXXX DATE OF SERVICE XX/XX/XXXX FOR XXXX ; and account XXXX for XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Mortgage (VA mortgage) with MONEY SOURCE, THE (OK).
Issue: Loan servicing, payments, escrow account

Complaint: The Money Source Mortgage Company made errors in posting our payments incorrectly. This has caused a chain reaction of late payment postings to our account. Our payments, which have included additional monies toward principal and escrow shortages, have been made approximately 2 weeks prior to the due date. They have turned our account over to the credit bureau as late/slow pay even when they assured us they would not. One of the Representatives that we spoke to did indeed find that this was entirely their fault. However, their reporting to the Credit Bureau has caused our credit rating to drop XXXX points. Repeated phone calls to the mortgage company has only created more problems. We have documented proof of every payment made, phone call and supposed resolution to our account. We have not been able to talk to a Supervisor concerning any problem when we requested. This company has not been able to post our regular payments, additional principal payments or additional escrow shortage payments properly. 
We would very much like to have these problems resolved, our credit re-established and in good standing. We have never had a problem with any other mortgage company that we have dealt with in the past as we have with The Money Source!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Debt collection (Payday loan) with High Point Asset Inc (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I got a call from High Point Assest, Inc on behalf of XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX. These same people have been calling my family, in particular, my XXXX year old mother who wants to give them money my behalf. All of my payday loans were paid years ago. I received a letter via email but not U.S. mail. 

These are people who change their names and identities. This should be criminal. I had payday loans during the down fall until I could pick up a XXXX job. 

I believe I am going to create a script to possibly scare them as much as they are scarring my family.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with U.S. BANCORP (CA).
Issue: Loan modification,collection,foreclosure

Complaint: USBank LN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX On a recorded line, XXXX with USBank has violated CA State and also required us to hide money from XXXX by saying the homeowner needed to bring in funds to close the short sale. USBank had previously approved this short sale at $ XXXX. Now they want {$11000.00}. I told XXXX and her XXXX XXXX, that what they are asking us to commit XXXX ILLEGAL ACTS 1 ) Violate State Law by asking a homeowner to bring in funds in a short sale, and 2 ) Violate Federal Law by giving a XXXX TD more money than is allowed by XXXX. 

With all the stuff in the media with XXXX XXXX being fined by the CFPB for this exact same loan fraud, it amazes me that USBank is now so blatant as to ask us to commit federal loan fraud by providing funds outside of escrow - essentially asking us to HIDE MONEY FROM THE FEDERAL GOVERNMENT.

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 11/13/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The company will be called XXXX XXXX in the morning. Report to XXXX XXXX XXXX 2015, for an account opened by the store that was not supposed to have been created. Have been on the phones with XXXX for three months about this account. Have received final response that account will not be closed. Account was opened for a second extended warranty on a dryer. The dryer was functional and needed no repair at the time of service for washer unit. Employees dropped dryer. This is in XXXX records. Store required a new warranty to be purchased. Two months later, an agent from XXXX advised I should not have been made to pay an additional warranty ( original was approximately {$400.00}, unit on sale at time of exchange reduced second account to approximately {$250.00} ) and created a service ticket. XXXX records show collection efforts were to halt until a decision was made. XXXX was advised in the event they can prove the contract I signed requires I be held liable for the employee negligence, I would simply close out warranty account ; this way no money is to be collected and there would be no debt. Issue not resolved as of XXXX XXXX, 2015. XXXX reported delinquent account despite open ticket on XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (VA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Per my statements, starting in XXXX, XXXX XXXX XXXX began implemented a minimum monthly charge without notifying me. Since I had not made any purchases using this card I was not checking my online account/balance. I was unaware and the minimum charge subsequently resulted in 3 months of late fees and delinquency which is now noted on my credit report. I already had 2 months of delinquency on this account so this extended period of delinquency has resulted in my FICO score dropping 120 points. XXXX XXXX XXXX did refund me the payments I made for the late fees and minimum charge ( {$7.00} ) but the delinquencies have not been removed from my account. When I contacted the company about this they had obviously realized their wrong doing and terminated the monthly minimum charges. Additionally, I had been enrolled in automatic payments for the minimum balance due back when I used the card more frequently but they were no longer being completed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: NOT AUTHORIZE INQUIRY TRANSUNION XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX XXXX XXXX, FL XXXX XXXX  XX/XX/XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX XXXX XXXX, FL 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 01-11-2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Account opening, closing, or management

Complaint: This company is not allowing me to dispute the matter which caused me to be on XXXX. I did not open this account with Chase

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Transworld alleges a debt that has never been owed and, even if it were, the statute of limitations would have run more than five years ago. Total fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: In a previous CFPB case, # XXXX, I disputed incorrect reporting status from Transunion in regards to my XXXX XXXX XXXX XXXX XXXX XXXX. Transunion responded as follows : " We received your complaint about the XXXX Home Loans # XXXX and XXXX Home Loans # XXXX in your credit report, and apologize for any difficulty you may have experienced. XXXX items identified in your complaint have been updated to reflect as paid with zero balances. '' About 30-days later, that information was updated by XXXX XXXX XXXX! Transunion again reports a balance owed and the account in open status.

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 01/24/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am one of the many borrowers that has my loan serviced by Navient. When I tried to arrange for a more affordable payment, I was forced into forbearance ( multiple times ), this year I paid basically nothing in principal and about {$3000.00} in interest! I did not fully understand how much I had been taken advantage of until I got my XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (OH).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I have used a Sears charge card for many years. I have always received a paper statement and always paid my bill on time. In XXXX 2016 i used my Sears card for a purchase that I did not receive a paper statement for. After tracking this down, I found out that Sears was now sending my bills through email. I had never authorized this. In fact I would never authorize this! Not only do email accounts " go down '' or get hacked but sometimes computer viruses themselves will kill email accounts. As result, I rely on paper statements for all my charge cards. After phone calls to Sears and on line chats with Sears representatives, I am now once again receiving paper  statements. However, after paying for the purchased item, i continue getting bills for the accrued late fees and interest charges. I have made a concerted effort to resolve this but to no avail. My most recent " new balance '' due XX/XX/XXXX is for {$270.00}, ALL interest fees and late fees! This was Sears at fault. They should never have changed my account information without my consent.

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
Consumer complaint received 10/17/2017 about Debt collection (Medical debt) with The Collection Connection (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: This company is trying to collect on a debt that is not mine. I do not know this company. 

according to FCRA XXXX this debt must be deleted or blocked within 4 days as of the receipt of this complaint

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation