milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-07-2017 about Debt collection (I do not know) with Diversified Acceptance Corporation (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX has been trying to collect a debt that does not belong to me..the account was closed and once I started disputing it XXXX XXXX XXXX   illegally re-aged the debt.It went from being closed and nearly falling off to being reopened and the fall off date is way past the original date..they have not been able to supply me with the original contract and are taking advantage of me..

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Me and my wife filed bankruptcy. It was dismissed on XX/XX/XXXX. We recently have inquired about buying a house. We were told that XXXX and Transunion were reporting a bankruptcy with no discharge or dismiss date. So I disputed with XXXX and Transunion. XXXX updated are credit report within 5 days. With the dismissed/closed XX/XX/XXXX. Transunion came back several days latter with " contractually liable debt '' So I disputed it again, after calling customer service. This time faxing my dispute with the supporting doc. again. Transunion came back again with the same outcome. So the third time I contacted Trans. I asked to speak with a supervisor and was told that they would need to open another investigation. I have sent the doc. from the US Bankruptcy court twice to them, and the supervisor acknowledged that they had it but could not update the credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/23/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: Chase is my mortgage company for my home at XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, IL XXXX with PIN no. XXXX. I have an escrow account set up for this loan. On XXXX/XXXX/2015, Chase mistakenly used the money in my escrow account to pay the property tax of another property with PIN no. XXXX. In XXXX, I have received a letter to inform me that I need to pay the escrow shortage for {$8700.00}. This amount includes the amount mistakenly paid for other property 's property tax. I called Chase to get this issue resolved. They said that it would get fixed in one week. One week later, I received a letter stated that I needed to go to the XXXX County office to ask for my escrow money back. I went to the Chase back office to understand the situation. The customer service told me that I did n't need to do anything. The issue would be fixed in one week since Chase made the mistake and Chase would fix it. One week later, I checked online. Nothing happened. I went back to the Chase office. This time, the customer service informed me that I needed to go to the XXXX County to ask the money back. Chase can not do it for me. There is nothing they can do for me. I went to the XXXX County office today and the clerk informed me that if the other property owner does n't pay the property tax, they would not be able to refund me the money. This is a very frustrating situation. Chase has made the mistake and refused to fix it. I should not be the one who needs to fix the situation. Chase 's action should be considered unethical and illegal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/26/2017 about Debt collection (I do not know) with Kings Credit Services (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: i was renting spot from a man to open a XXXX i pay him first month and a deposit i start open my place on the first month from the first day to the XXXX of the month my place was stolen five times they make me going out stock less in a month i have to move out and lost the place because i cant keep up now the landloard report me to the agency XXXX dollar dont know why kindly asking for help with this man please

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I recently received a copy of my credit report. The credit report showed credit inquires that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. They are included in the upload. Only the ones highlighted in Orange are the ones I did not authorized.

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 07/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: SEARSCREDIT.COM.. log-in easy. But, then tried to redeem almost XXXX rewards points. [ 1 ] Sears dumps its own card holders onto a different web site run by citi.com [ citibank ] ... [ 2 ] Then, impossible no matter which alternative sign-on or verification or new register with THAT website sign up to actually get this Sears-contracted-out website to property acknowledge CORRECT searscard.com info as log-in in order to obtain rewards.
[ 3 ] THAT website repeatedly EITHER WRONGLY says the later-in-process data entered is wrong OR it WRONGLY logs me off even though I did not seek to log of ... [ 4 ] This scam by sears dump-off so it can claim it has nothing to do with the problem is a disgrace. Sears should TAKE RESPONSIBILITY for the citi.com website REPEATEDLY NOT WORKING CORRECTLY. I/we have EARNED these rewards, they are not a gratuitous gift at the whim of Searscard.com. I/we want my/our rewards. [ 4 ] Also, searscard.com 's internal " secure '' e-m does not work either -- - Sears does NOT respond OR it theoretically responds, but its bad IT workers dont allow customers to actually open the reponse " secure '' e-m with SPECIFIC ways to deal with the problem OR simply help us out and order the 2 Sears reward card ( s ) we want [ for {$100.00} and {$25.00} ] ..

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 non-monetary relief
Consumer complaint received 02/24/2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I XXXX experience hardship due to car issues, ill parent, and child XXXX that has caused me to miss work and therefore income. I applied for a loan remodification and was decline. I believe Bank of America does not want to assist me because the property value of my home is high and they will make money but selling the home. The initial modification ballooned my payment higher than what I originally paid. Therefore causing me to fall behind on my note. Now they are proceeding with foreclosure. I do not find this practice just. I have submitted documents which were the same income and bills that approved my first modification. Please help. I do not want to lose my home.

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 02/14/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX, 2016, I deposited an old payroll check via ATM teller ... I found the XXXX XXXX XXXX payroll check within my storage unit. Since there was no expiration date on it, I decided to collect my unpaid funds. After Bank of America cashed it and they later performed a charge-back on my account : XXXX XXXX XXXX XXXX XXXX ) due to the issue date. I was also charged a fee of {$12.00} due to the date of the check by Bank of America. 

I am requesting the amount of the XXXX XXXX XXXX XXXX check in the amount of {$170.00} refunded back into my Bank of America account as well as, the {$12.00} fee taken out of my bank account balance. 

*I can be reached via the following information below regarding my bank account complaint : XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX

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 05/20/2015 about Credit card () with SYNCHRONY FINANCIAL (CO).
Issue: Payoff process

Complaint: I have a Synchrony Bank Care Credit account. I had XXXX six-month no-interest promotional accounts and XXXX 24 month low interest account. I made payments for four months that were sufficient to pay off the six-month accounts on time as well as pay the minimum on the 24 month account. However, Synchrony allocated all of the payments to the 24 month interest bearing account. I noticed this in XXXX and spent over a half hour working with a representative who said she had corrected the problem but she never sent me the promised email confirming this. Then, the XXXX statement arrived and no corrections in payment allocation had been made. I spent another half hour today working with a representative to correct the payment allocation so that the promotional purchases would be paid off in time and the accrued interest would not be charged. The representative indicated that this would be reflected in my on-line account within XXXX hours. The fact that this allocation of payments does not happen automatically and that correcting it took an inordinate amount of time makes me think that this is intentional on the part of the credit card company as they then can collect the accrued interest. Most people do not have the time this has taken to resolve. If you have your payments on auto-pay, you might not even notice.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Credit card () with CITIBANK, N.A. (FL).
Issue: Other fee

Complaint: I would like to submit a compliant about CITI card. My card was over charged interest. I called to figure out how the interest was determined and could not get the issue resolved. CITI card is over charging customers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06-04-2017 about Debt collection (Credit card debt) with Global Portfolio Recovery, LLC (MN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Received a collection letter from   XXXX   XXXX   stating I owe  XXXX   XXXX  a balance of {$1200.00}. I only have  XXXX  accounts with   XXXX    XXXX  and both are current on payments. Please have this collection removed from my credit reports and cease collection since the debt is not mine. Also the letter was sent to the wrong address, it was sent to an address to where i never resided. So I am confused why I am being sent to a collection agency for a debt that is not mine, and an address that is not mine as well. As mentioned please remove account and collection from my credit report. Also checked the account number and have no account number relating to the account referenced.

Company response to consumer: Untimely response
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
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: I submitted a dispute requested investigation and the removal of erroneous conflicting reporting of an auto loan by XXXX XXXX XXXX XXXX in Virginia. XXXX XXXX has been reported over the last 3+ a balance owed in the amount of {$11000.00} monthly terms for 84 months with the intent to cause damage a minimize my ability to purchase a vehicle with fair terms. 

XXXX XXXX placed fraudulent charges on a share savings account investigated ; and failed to resolve over 4 years ago.

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 07-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX, 2017 I sent certified letters to all three credit bureaus, XXXX  Transunion, and XXXX requesting removal of unauthorized inquiries. They returned a letter stating they would not remove them and I needed to contact the creditor directly. I again on XXXX XXXX mailed all three bureaus letters requesting them to remove the inquiries and I also included a copy of my police report from my fraud/theft claim as someone had stolen my identity.

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 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (MT).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: To Whom it May Concern, I applied for a Mortgage Loan, knowing that I am 100 % qualified and thought I have XXXX credit score. When the loan officer pulled up my credit and said that my credit score is XXXX, I was shocked. I paid all my bills on time, never was late with any payments in my life, pay credit cards in full every month and paid my currant mortgage down 80 % within 2 years. HOW THAT is even possible? JCPenney reported Charged OFF account of {$2500.00} that I have no clue about. I have an active account with JCPenney with {$0.00} balance and {$1000.00} credit limit. I called the customer service probably 10 times already and it does n't get me anywhere where I need to be. First of all customer service representatives could n't see any charge off accounts and their managers refused to take the calls and did n't want to be responsible for any actions, they refused to connect me to anybody. Finally after 2 days of trying, they said they will send me the dispute letter within 7 business days, some representative transferred me to the Fraud department to file Fraud ( XX/XX/XXXX ). They provided me with a fraud case # XXXX. I called today XX/XX/XXXX-a week later, nothing has been updated, no info, no progress, no dispute letter that they suppose to mail. Nobody should ever be in this situation, this is stressing me out, it is financially hurting my ability to buy a new home for my family and JCPenney does n't take serious responsibility for anything. Please help me to resolve this issue. 
Best Regards,

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 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
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: Despite four written requests, the unverified items listed below remains on my credit report in violation of Federal Law. Equifax is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their investigations, Equifax stated in writing that the account verified that the items are being reported correctly? I received no written verification of who verified these accounts? Equifax did NOT provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Equifax also have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). As such under Section 611 ( 5 ) ( A ) of the FCRA Equifax is required to promptly DELETE all information which can not be verified. yet they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Money transfer, virtual currency, or money service (Virtual currency) with TD BANK US HOLDING COMPANY (MA).
Issue: Other transaction problem

Complaint: I called to get my account to stop blocking logins for XXXX and was told it would be noted and I 've waited and my account continues to be blocked

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: A debt from progressive insurance was placed for collection after I cancel and switched to another company. the account was removed off of my credit in 2014 from Credit collection services, llc the debt was recently paid to credit collection services in full. looking at my credit report credit control services has it on my credit so XXXX collections agencies was collecting on the same debt. I want this acct to be removed immediately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Debt collection (I do not know) with Platinum Holdings Group, LLC (MI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have received many calls from Premium Receivables ( XXXX ) in the last few weeks. They call while I 'm at work and unable to answer and leave threatening voicemails on my cell phone. They say that I owe money and if I do n't call back within XXXX hours they are going to sue me. I did return their call, and they refused to tell me who the creditor was or what the supposed debt was for. I asked them to send me a statement in the mail so I could verify and they refused to do that as well. They continue to call me almost every day, and now they are calling family members at locations I have never lived. They have told my parents that they will sue me if I do n't pay them within XXXX hours. They also told my parents that this debt was for a property I previously rented. They disclosed more information to third parties than they would even tell me when I talked to them. I have no outstanding debt relating to that property, so I do n't believe this is even a valid debt, but since they refuse to send me any form of verification, I have no idea what it is for. They are threatening and harassing not only myself, but also my family while refusing to provide any information that I could use to verify the debt and resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Consumer Loan (Installment loan) with CITIZENS FINANCIAL GROUP, INC. (CA).
Issue: Taking out the loan or lease

Complaint: I bought an IPhone from XXXX and had it financed their company Citizens One Bank, for which 24 monthly payments were set up through my XXXX XXXX. I wanted to pay the balance in full but when I contacted Citizens One, I was told that they did not take checks, which I found unusual. I also re-read my agreement and I did n't see a clause that stated that I could not pay off my balance before the 24 month term, or accept a check to payoff this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2015 about Mortgage (FHA mortgage) with U.S. BANCORP (WA).
Issue: Loan servicing, payments, escrow account

Complaint: I filed an original complaint on XX/XX/XXXX which was responded to on XX/XX/XXXX by US Bank. In their response they reference bankruptcy discharge from XX/XX/XXXX as being the reason they are now starting foreclosure proceedings. During the bankruptcy, I never filed against US Bank, I continued to make my payments after speaking with a representative, and they state they do n't send me statements. This is not accurate. After speaking with the representative XX/XX/XXXX, I started to receive statements and made my payments in the branch. I am confused on how this is now an issue 3 years later. 
The other issue brought up was the matter of my requesting assistance on XX/XX/XXXX. They state that I spoke with a representative, that is true. They state that they sent out a loss mitigation workout sheet to my email, this is also true. What is not stated is that this was sent to me by the first representative prior to be transferred to another gentleman representative who informed me that I was not eligible for the loss mitigation process. No suitable reasoning was given. 

The last issue states I was assigned a Relationship Manager by the name of XXXX XXXX. I have contacted her several times and so has my personal financial advisor. She does NOT return phone calls or emails. She finally returned a phone call to me this Friday XX/XX/XXXX at, while I was driving. I pulled over, listened to the message and called her back within 10 min. I asked her to call XXXX XXXX, my financial advisor and as of today, she still has n't called. 
I do n't see how she can be a point of contact. To not return calls or emails in a situation like this is just appalling and inexcusable. 
At this point, I am afraid, confused and in need of your assistance since US Bank is inconsistent with their responses and conflicting information. 
I have always fulfilled my obligation and feel since I asked for assistance, US Bank has created a reason to attempt to take my home. 

I thank you for your assistance in this matter

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/23/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: On XXXX/XXXX/XXXX, I filled out an online application for a Chase XXXX account. Except for the payment information needed for the initial account deposit, I entered in all of the application information requested, including personally identifiable information. 

Shortly afterwards, I received a congratulatory email from Chase for saving the application. It contained a link that supposedly would direct me to Chase 's XXXX XXXX page to complete my online application. According to the email, the application would be valid for XXXX  days from the date I last saved it ; however, my application could not be found after XXXX day. I immediately contacted Chase and they too were unable to locate my application and they never contacted me as was stated to me by a Chase call center representative. 

In the wake of recent credit breaches, I am extremely concerned that my PII has been comprised, which could lead to my financial harm.

Company response to consumer: Closed with explanation