milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/24/2018 about Debt collection (Medical debt) with Ability Recovery Services, LLC (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Looking at my credit report on XXXX XXXX I saw an account in collections and I never gave any company the right to share my information whatsoever. I see one for {$230.00} which is listed on my credit report as account XXXX. I sent a letter to the agency on XXXX XXXX requesting that they validate the debt and show competent evidence bearing my signature that I have or ever had some contractual obligation to pay them. I do n't know this company and they have never sent me anything stating that I owe them. The last company I reported about this same account must have sold my information to this company. As a result they are in violation of the FCRA ( Fair Credit Reporting Act ), the FDCPA ( Fair Debt Collection Practices Act ) and HIPPA ( Health Insurance Portability and Accountability Act of 1996 ).

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2016 about Mortgage (Home equity loan or line of credit) with NEW YORK COMMUNITY BANK (DC).
Issue: Loan servicing, payments, escrow account

Complaint: Dear Consumer Financial Protection Bureau, I am writing this complain to inform you about a situation with my mortgage payment, which I am unable to solve. I have purchased a townhouse in XXXX for the amount of {$450000.00} as a first time buyer. Since I did n't have any down-payment, I was offered XXXX loans, an 80 % fixed 30 year loan for {$360000.00} with XXXX, and a 20 % home equity line of credit adjustable rate for {$93000.00} with New York Community Bank. 
I lived in the townhouse for 2 years, but had to move out to a different location due to job change and distant to work. Since the price of the home went down significantly during the housing crisis, I was not able to sell the home, and had to rent it out. The rent amount has constantly been lower then the mortgage ( {$1500.00} a month lower until XXXX, and after refinancing the first mortgage, {$750.00} a month lower since then ). So I have constantly been losing money every month, but have continued paying my XXXX mortgages on time every month since the first day of purchase. I believe it has been and will be my responsibility to pay the amount regardless of the market situation. 
On XXXX XXXX, XXXX I received a letter from New York Community Bank ( XXXX ), my 20 % mortgage lender, stating that as of XXXX XXXX, XXXX, the bank has decided not to extend my mortgage, since the agreement was drafted in a way that the bank could decide if the want to extend the mortgage or not every year up to 14 years. They expect me to pay them the whole amount of {$93000.00} at or before that date! The only other options that I have are to sell the home or refinance. Unfortunately the price of my home is around {$420000.00} and I do n't have the {$35000.00} cash to pay for the difference and closing fees. I have tried both through XXXX and NYCB to refinance, but I have been told since the home does n't have equity they ca n't help me refinance. I have paid my bills every month in the past 9 years, and do n't deserve to be in this situation. I do n't have the money and do n't know what else to do. I sincerely hope you can help me resolve this issue. 
Warmest regards.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I believe the company is possibly involved in an unfair and illegal practices when it comes to consumer credit cards. I was sent a pre-approval from Chase due to my excellent credit, which I accepted. After completing the application, I was informed that I was approved for a $ XXXX credit limit. After receiving the physical card in the mail, I created my online account and discovered that the card shows as " closed ''. I called Chase customer service department to inquire as to the reason. After being transferred numerous times, and speaking to numerous associates, I was finally advised that the card has been closed due to the bank 's discretion and that I my credit history does n't meet the chase preferred credit card requirements. This upset me as I was just approved 4-5 days earlier and had not even had a chance to use the card. If there was something in my credit history to condone closing of the card, this should have been done in the 1st place and the application should have been not approved/declined. Now Chase card appears on all of my credit bureau accounts as a closed card by the creditor. It is my understanding that its an illegal practice, much like what XXXX XXXX has been doing and has been fined by the US government. Chase bank approved my application, their associate received the credit for it, and now 4 days later they are closing the card and impacting me credit history negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 08/25/2017 about Mortgage (Conventional home mortgage) with AMERICAN NEIGHBORHOOD MORTGAGE (MD).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: XXXX loan originator - XXXX XXXX has refused to provide me with the mortgage estimate in standard Loan estimate form referenced in this article : ( https : //www.consumerfinance.govXXXX ). 

After i had provided him with all necessary information including XXXX, he put hard inquiry on my credit report and refused providing me estimate in the form referenced here in the XXXX XXXX website saying he ca n't provide me with this form until i signed disclosure package and commit to them. I were thrown off, because all other lenders had no problem and gave me their estimate in this standard unified form, so it 's easier for me-consumer to compare terms.
Moreover, he was rude and very argumentative, claiming he knows what the guides are and that all other lenders who provided me with this Loan estimate form did it illegally and he completely ignored that it 's clearly outlined on the XXXX XXXX website. 

In other words he made sure, i will take my business elsewhere, at least where the people are polite and have professional manners.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TN).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: At the time of the checkout at XXXX, I was offered XXXX XXXX XXXX credit card. I had asked the counter associate whether it will be a hard inquiry to my credit score. She assured me that no hard inquiry will hit my credit score. I gave the approval for the application and it was filed. I already have fair credit score since I returned to the US after long time. The application eventually could not be approved and it also hit my credit scores to the tune of 24 points collectively both with XXXX XXXX XXXX
This is not good and not acceptable at all. I was given misleading information to promote the XXXX co-branded credit card which is not ethical. My credit score is still building up to an acceptable level and already not good but now it has gone further down. Am an old customer of XXXX since the year XXXX and was not expecting this. 

Tried reaching out to XXXX through their feedback mechanism on the website and one email ID as well but did not hear back suggesting any resolution. 

Date : XXXX XXXX XXXX Establishment : XXXX, XXXX XXXX, XXXX, XXXX XXXX reported to XXXX : XXXX XXXX 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 non-monetary relief
Consumer complaint received 02/24/2016 about Debt collection (I do not know) with First Recovery Solutions, Inc. (CT).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: This company keeps calling me asking for money. Will not tell me where they 're from or what company they represent. They keep telling me to get a lawyer. They want money pay them and they wo n't sue me.

Company response to consumer: Untimely response
Consumer complaint received 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XX/XX/2018 I received an alert that I have a debt. First of all I dont know where this came from. The address listed on this account isnt mine so how could this debt be for me? I have phone services with XXXX XXXX XXXX, I never had any mobile services with XXXX so I am unaware of this error that your company is reporting inaccurately. I have contacted the Police department and this is being investigated as to where this came from. I have filed an FTC Complaint and I am now forced to take legal actions for accusing me of owing a debt to your company. If this debt isnt removed there will be consequences and fines when we are due to be in court I will be suing for damages that you have caused and the distress on my life and credit file. Your company reported an error on my report. I will forward all records of documents to my lawyer and we will begin the process of taking this court immediately. I asked your company to verify and signatures, documents or any contracts bearing my signature along with the steps your company took to verify this debt. I called an explain that this account didnt belong to me and Im unaware of it and the rep told me I would have to pay no matter what. You cant force a bill on a consumer because the name and the social apprears on the account. I am an identity theft victim and I my files have been leaked in the XXXX  credit breach. I believe this may be the reason for this debt. If you continue to place error accounts or information on my credit without doing a thorough 100 % validation that this debt belongs to me then it must be removed by law because youve violated my rights and laws within the FCRA sections 609, 611, 612, 605 and FACTA.

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 06-10-2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (LA).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX ( previous complaint ). The case reference has probably been closed. However - the same people and Wells Fargo - We finally executed deed in Lieu of foreclosure - XXXX 2015. We got a deficiency notice of around {$46000.00} ( the property under-appraised ) The original Loan was # XXXX ( {$320000.00} )! So they advised that our property was worth a lot less .... however, we recently discovered the property is up for sale for {$330000.00}. Is this legal.. we had to consider the deficient portion as income for taxes ... Please advise on what we can do - they have destroyed our credit at this point. 

Sincerely XXXX XXXX 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 07-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
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 contacted all 3 credit reporting agencies on XX/XX/XXXX and XX/XX/XXXX to inform them that numerous inquiries on my report were due to an error. I called the company which was a car dealership by the name of XXXX XXXX XXXX on XXXX XXXX in XXXX XXXX, NC that was responsible for having my report pulled by numerous finance companies. I spoke with the Finance Manager by the name of XXXX XXXX that searched their systems and confirmed that they did not contain any information on my name or social security number. He confirmed that my information had been pulled in error and that I did not give permission for my credit to be pulled by his company. He stated that he would send in a letter to the 3 credit bureaus but when I tried to check the status of that process being completed a few days later with XXXX XXXX I was informed that he had a family emergency and would be out of work for some time. Each time I spoke with representatives at each credit bureaus they read me the same statement about " inquiries being factual data ''. I understand that but it means nothing if I did not authorize my credit to be pulled by this company which results in many inquiries being reported on my credit reports. I requested by verbally disputing, written disputes sent by certified mail, also online with each credit bureaus dispute option. After the dispute is completed I am getting the status as " verified '' which is impossible if the company has already confirmed that my information was used to pull my credit reports in error. I believe that the credit bureaus are not investigating my concern and I would like these inaccuracies removed immediately from my credit 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 non-monetary relief
Consumer complaint received 10-05-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Improper use of my credit report
Sub-issue: Report shared with employer w/o consent

Complaint: I have an employer from 2008 that is listed on my credit report that I was never aware of. I was employed for only 2 months with this employer and have no idea why they would be on my credit report. I have never signed anything from this employer that would warrant them to be on this report and it has been almost 8 years that this has affected my credit. I would like this removed. This was unjust and would please like a response. 
Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/27/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (FL).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: hi my name is XXXX. I have a paypal account in my name as previously stated. I currently opened a paypal account to receive funds from my daughters father. ( we are not married or live together ) I only use paypal to make small online purchases like kids school uniforms, groceries, etc..and to receive money for my daughter.I opened my account on XXXX XXXX and XXXX XXXX they limited the access to the account with no further information posted only to call them. I called them and refused to give me any further information besides that my paypal account is limited and I asked repeatedly for answers on when my funds will be released. AGAIN THESE FUNDS ARE LEGAL FROM MY DAUGHTERS FATHER AND HAVE BEEN CLEARED BY PAYPAL. yet they want to hold them and make me responsible for his paypal account in bad standing. we do n't have the same last names, we are not legally married, we do n't live together so what does that have to do with freezing my account and the availability to withdraw my funds if this paypal account is solely mine. this is illegal to do so. I will be filing complaints electronically and on paper certified in the state of florida with the attorney generals office, the bbb and the united states federal reserve since paypal is n't a bank these complaints are looked into by them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/22/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Deposits and withdrawals

Complaint: The bank received a levy release on XXXX and they have not credited my account yet.

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 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have mailed a multiple inquiry removal letter on   XXXX   in order to dispute information on al l 3  credit reports. in regards the hard inquiries that are being reported on my credit reports. The request i submitted included hard inquiries that are not factual and i recieved the same response for ALL inquiries, which stated all inquiries are factual record of file access. If you believe this was unathorized contact creditor. According to FCRA Rules, FCRA  623 ( B ) ( 2 ) AND 611 ( A ) ( 1 ) it states that any informa tion can be disputed and MUST be investigated and if you do not investigate and respond, the cra  mist  delete disputed information from its files. The fact that i recieved a response 4 days later one can only assume there was no investigation, I am submitting this complaint due to lack of investigation. This is unfair pratices by the credit reporting agencies with no concern for the consumer credit worthiness.     these are the disputed inquiries    XXXX   XXXX   XXXX        XXXX   XXXX   XXXX       XXXX   XXXX     XXXX  Finance   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX      XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX      XXXX   XXXX   XXXX      XXXX   XXXX   XXXX      XXXX   XXXX   XXXX     XXXX     XXXX   XXXX   XXXX     XXXX     XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX    XXXX    XXXX   XXXX     XXXX     XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX      XXXX   XXXX     XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX     XXXX      XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX     XXXX   XXXX    XXXX    XXXX   XXXX   XXXX     XXXX   XXXX    XXXX    XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX     XXXX   XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX     XXXX   XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX     XXXX   XXXX    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 05-12-2016 about Bank account or service (Checking account) with TRUSTMARK CORPORATION (FL).
Issue: Deposits and withdrawals

Complaint: I have a joint checking account with my husband at Trustmark Bank in XXXX. We have used this bank for many years and have never defaulted on the account in any way. After my debit card was denied on XXXX, I discovered that a large sum of money had been taken out of my account. After reporting this to the bank, it was discovered that a cash withdraw was made at a XXXX, XXXX branch. We have never used any XXXX bank, we never make large cash withdraws from checking. There were multiple red flags, yet the teller gave the individual our account number, our account available balance, and finally- all of our money was handed over to this toothless smiling thief. There is video of the person making the withdraw. I was told that the thief has a replica of my husband 's ID, with a different picture. I have trouble understanding this because my husband 's signature, height, birthdate, and race are all on his ID. This thief, whom was physically handed all of my money by my trusted bank, looks nothing like my husband. He is a different race, clearly the thief is older and taller. The signatures do not match. While I do feel that it is taking too long for my bank to refund my money and I want them to give me a better time line, I am satisfied that I will be reimbursed at some point. I can not believe that my bank let this happen, I have no trust in the security of the bank, their policies, or that this will not easily happen again. I want others to be aware of this situation. I want this to be investigated and for it to be explained how this is even possible. I question the intentions of the bank, and their employees. Clearly something huge is lacking in this organization that just simply hands over another 's hard earned money to a common thief so easily, with so many screaming red flags and no regard for their customers security or livlihood.

Company response to consumer: Closed
Consumer complaint received 09-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: on XXXX XXXX, I sent a letter to the credit bureaus requesting an investigation on 5 accounts. Almost 60 days later, and none of them have responded. I have sent follow-up letters to inquire for the reason for the delay, and those have also gone unanswered.

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 09/17/2017 about Debt collection (Medical debt) with Patient Accounting Service Center (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had set up a payment plan with this collection agency to pay {$100.00} a month until the debt of {$1000.00} is paid in full. I payed the first payment of XXXX on XXXX XXXX 2017. I received a confirmation number from agency and confirmed that it was debited from my checking account on XXXX XXXX 2017. When I attempted to make another payment online on X/XX/2017, my account balance was the same XXXX {$1000.00} XXXX and no payment history was reflected on my account. I called the company to find out why my balance had not changed after my last payment and I was told that it would be looked into. I let the agent know I was not comfortable making any additional payments until my account reflected the proper actual balance. I am filing this complaint because I feel that I am being scammed out of my money. I have every intention of paying this debt as agreed but it looks like this agency is taking the money but not applying it to the balance.

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