milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/24/2017 about Debt collection (I do not know) with ERC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I am a victim of identity theft and noticed a collection from I am a victim of identity theft and noticed a collection from XXXX. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against XXXX in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Enhanced Recover in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-12-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BAYVIEW LOAN SERVICING, LLC (CT).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for a mortgage modification as I was unable to make the payments on a home I own. This is not my primary resident, but rather a home I rent out to others. The mortgage company did offer me a modification where I can pay {$540000.00} for the home which has been appraised at {$320000.00}. So this modification would allow me to pay over {$220000.00} more than the home is actually worth.

Company response to consumer: Closed
Consumer complaint received 01/31/2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for and was approved for the Making Home Affordable Modification and was assigned a single point of contact. I madd mt trial payments as required andcwas told I had turned in all documents. I followed up on XXXX and was advised I was set on my plan and was good on my modification. I received a call XXXX XXXX advising I was removed from my modification due to not returning the signed trial document from XXXX which I was never informed of. This is poor communication and misinformation as I was given confirmation I had completed all required steps to compjete the trial. I was then told I was no longer eligible for MHA as it was no longer offered and I would have to restart the process. This is negligent and criminal in my opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Consumer Loan (Installment loan) with Capital Accounts, LLC (NY).
Issue: Managing the loan or lease

Complaint: After moving from a house that I was renting I received a collections notice in the amount of {$4700.00} from Capital Accounts. When asking them what the amount was pertaining to they stated it was from XXXX XXXX XXXX whom we rented from. I do not owe XXXX property management any debt nor this company. Upon viewing my rights I sent Capital Accounts a certified letter to dispute the debt, Capital accounts did not validate the debt. They did not send any documentation proofing the amount they claimed I owed instead they placed the account in collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Mortgage (Conventional fixed mortgage) with AMERISAVE MORTGAGE CORPORATION (CA).
Issue: Settlement process and costs

Complaint: I refinanced my mortgage with AmeriSave back in XXXX 2015. At the time, they promised me a {$400.00} refund of my home appraisal fee. I have yet to see any of that money. My attempts to reconcile the issue have been ignored by the people in charge.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/23/2015 about Bank account or service (Checking account) with Comerica (MI).
Issue: Deposits and withdrawals

Complaint: On XXXX/XXXX/15, someone created fraudulent checks and went to XXXX different Comerica Bank locations to cash checks from our accounts. In total XXXX checks were cashed on the same day. The bank branch suspected fraud and called us but could not get through to us immediately. We were able to speak to the bank branch that day, instructed the bank that it was fraudulent, to stop cashing those checks and to call the police. The police were able to arrive and arrest one individual while he was trying to cash a fake check. The police noted the other assailants fled the scene. Comerica Bank originally returned all of the stolen money to our account after they had us sign affidavits at their branch. Then on XXXX XXXX, 2015 they informed us they were deducting the entire stolen amount from our remaining balance and we were to be held liable for the fraudulent check cashing. Despite the police report showing the checks were fraudulent, Comerica Bank is still holding us accountable even though we are not the ones in a position to determine whether a check is fraudulent or not nor were we in a position to stop the cashing of the checks. Comerica Bank has a duty to ascertain whether checks are fraudulent before cashing them. In this instance, they already suspected fraud yet still continued to cash the checks. This issuspicious to say the least. So after signing affidavits attesting to fraud, they can collect from their insurance at our expense. By law, we have 60 days to report fraud. We reported it the same day it was occurring and by our own hand stopped more fraud from occurring. Comerica Bank on the other hand, negligently cashed fake checks and perpetuated repeated fraudulent check cashing when they clearly suspected fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I have a XXXX mortgage with Citimortgage. I requested assistance by way of approval for a short sale. They XXXX made me go through a modification process even though a short sale was requested. It appeared that they purposely waited to start the short sale process as a last resort. After they understood I wanted a short sale ( even though it was stated and requested on their paperwork ) they required that I submit all my documents again because " it was another department ''. After weeks of this repeated process they denied my short sale because the loan was " charged off ''. They continued to keep the process going even though the loan was elsewhere. Now after following up XXXX they have apologized that they have not done an escalation and will " send another email to remind them it needs to be done. '' I started this process with them back in XXXX 2014 XXXX almost six months ago ). In the meantime, my primary mortgage lender has approved my short sale process, I have an eager pre-approved buyer, and the process is being held up by Citi Mortgage. At this point I am concerned that I will lose the buyer and have to start the process XXXX again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/29/2015 about Credit card () with DISCOVER BANK (IL).
Issue: APR or interest rate

Complaint: About a month ago, I changed the due date of my Discover card. I am enrolled in Discover 's automatic payment program, and on XXXX/XXXX/15, Discover scheduled the automatic payment of the {$3.00} minimum payment, which Discover showed cleared my bank. However, because apparently Discover decided to withdraw this payment XXXX days after the bill 's due date, they decided to announce a penalty increase of my interest rate, as well as threaten decrease in my " creditworthiness. '' Resultingly, they removed my promotional option to make no-fee 12-month 5 % APR balance transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with First Recovery Solutions, Inc. (MD).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Caller stating co name as First Recovery called abd left msgs with my family member. I called the number back using case # XXXX provided by msg. Their number which did not state a company name XXXX. They said I had XXXX cases out on me, said i would be arrested at my job. They claim it was for an outstanding payday loan that I know nothing of. That asked me to verify my ss #. They claimed they wouls send the police to my jon. I asked for company unfo. They hung up on me. I called back for a fax number and was given XXXX. I said i wanted to send simething in wtiting to not call mt family or job to send info by mail. They hung up in me and continue to call.

Company response to consumer: Untimely response
Consumer complaint received 02-11-2017 about Credit card () with CITIBANK, N.A. (VA).
Issue: Delinquent account

Complaint: I check my XXXX score on a monthly basis to make sure that my credit score remain very high. I was never late with payments and all my accounts were in good standing. XXXX 2016 I noticed that my XXXX score dropped significantly. When I inquired, it was due to late payment from Macys. I was surprised so I called them, and they said you bought shoes for XXXX dollars ( which I returned and got credited for ) and a XXXX dollar candy bar ( which I did not return ). I told them I never received an email nor a statement or even a phone call. Now the charge is XXXX dollars which I gladly offered to pay if they remove the negative reporting. However, they said I need to pay it then I can talk to the collections department. How absurd is that? They have a right to report negative information but I have no right to defend myself? Now my credit score is down XXXX points because of a XXXX dollar candy bar? I had this account 7 years ago and not once was late. I hope to see more of your stores closed and see you in bankruptcy proceedings very soon.

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 07/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: According to XXXX through physical Verfication, verify original signed consumer contract- any and all accounts posted on 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 05-03-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (WA).
Issue: Account opening, closing, or management

Complaint: Around XXXX of XXXX, I opened a XXXX checking account with Citibank. The reason why I opened the account was because they were running a promotion for new customers who opened an account. The promo was for XXXX XXXX XXXX miles if you opened a checking account and met the requirements. The requirements were to : 1. Use the debit card associated with the account for {$1000.00} or more. and 2. Do at least one bill payment on the account for two consecutive months.I opened the account, verified with the representative that the offer would apply to my account and she confirmed it was applied. I fulfilled the requirements and messaged Citibank securely to confirm I met the requirements. I received a response confirming I met the requirements and to wait 90 days after the month I had met the requirements. They gave me a date of XXXX/XXXX/XXXX as the latest day the points would post. 

I inquired about the status of the promo points after I noticed the promised date had passed and the points had not posted. They opened an inquiry and I recently got a response saying that I did not qualify for the promotion after all. This is after confirmation on three separate occasions that I was enrolled and met the requirements. When it came time for the points to post ( and after several months of fees of {$30.00} each ), they now say I am not getting the promo as promised.

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 12/27/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: BANK OF AMERICA IS CLOSING MY BANK ACCOUNT IN RETALIATION FOR A COMPLAINT I FILED WITH THE CFPB REGARDING A DISPUTE OVER A CHARGE I FILED. THIS IS DISCRIMATORY AND PREJUDICIAL AND BANK OF AMERICA IS ENGAGING IN UNETHICAL AND ILLEGAL BUSINESS PRACTICES AND THIS IS UNFAIR TO ME AS A VETERAN NAD A CUSTOMER AND I WOULD LIKE TO HAVE THE MATTER INVESTIGATED IMMEDATELY.

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 04/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (WV).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On my credit report through XXXX XXXX it shows a hard inquiry on XX/XX/XXXX from a XXXX/XXXX in which I did not apply for credit anywhere so I have no idea who this is or where this credit application came from. I did lose my wallet in XXXX XXXX, Virginia in XX/XX/XXXX-XX/XX/XXXX so not sure if someone has used my information from my information in my lost wallet.

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 01-06-2018 about Debt collection (Auto debt) with HYUNDAI CAPITAL AMERICA (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I do not deny that I am usually late on my car payment however, I get phone calls on a daily basis starting the very first day the payment is due and it is n't just one call it is several calls per day and the the Finance company does n't leave a message. I have XXXX phone service and every call coming in or out is logged. My house phone also logged the call and is an answering machine. I have told the XXXX XXXX XXXX customer service people several times that this is a violation but their response was they are going by their company policy. I do n't think they care about consumer protection laws.

This has been going on since I purchased the vehicle almost 4 years ago. I get behind but I always catch up and for the most part I am usually only a week to 10 days late and I pay the late fee.

I think 1 call with a message would be sufficient but they see fit to continually harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Credit reporting () with ProCollect, Inc (LA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My name is XXXX XXXX and I have been a identity theft and fraud victim in XX/XX/XXXX '' and a company called PRO COOLECT HAS ACCURATE INFORMATION from me and a apartment complex that someone else has you my identity and rented a apartment and a broke a lease and utilities in my name at a apartment complex called " XXXX XXXX XXXX " in XXXX, XXXX a state I have never lived in and I have documentation and the apartment complex " Manager with 100 % proof that it was not me. 

They refusing to re investigate my case and sending this information to the credit bureaus and they are calling and threatening me. 

I have open a dispute on XXXX XXXX from the previous one that was closed in XXXX due to the manager XXXX EXT XXXX not properly handling my case. 

I can not live in XXXX states at XXXX time, also My job, apartment, and all detailed documents Proove I was in XXXX where I am from when the ; person ( s ) used my identity. 


Also I sent the apartment complex my ID and information that I never lost lost due to a breach with ( XXXX IN XX/XX/XXXX '' my insurance carrier. That the person that came got the APARTMENT was two different Identifcations used told by the property manager " XXXX " and sent them ( PRO COLLECT A LETTER on XXXX XXXX to them to cancel everything and they have not responded or giving me information now and making it hard for me and all XXXX credit bureaus to remove this all my file. 

This is a very stressful, heartbreaking, and long process since last year when I found out, and I do not have a lawyer or help and this will hinder me From future jobs ( I am college graduate working in the XXXX for seven years ), from renting a apartment, buying a home, and I need assistant. 



And they are rude, disrespectful, they did not send me information, and they told me there 's was not enough information giving me why I was held responsible. 

There were XXXX XXXX used for this apartment complex, and it was mentioned to me after the file was pulled and the apartment complex made me fully aware of this and PRO COLLECT HAS PROPER information. 


My number is XXXX XXXX XXXX I went all the way to XXXX to file a report, I did my affidavit, and filed with the FBI.

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 07/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have dealt with a few of the credit card companies, including XXXX XXXX who had been uncooperative at times with a negative item which had been on my report for 7 years. This occurred in XX/XX/XXXX, during which at this time I have established new credit. The negative item was on or around XX/XX/XXXX-XX/XX/XXXX. I called all XXXX credit bureaus trying to get negative inquiries removed, and all XXXX were uncooperative, so I called XXXX XXXX an agency that helps remove negative items. I do not work full time I am on XXXX, I also had been receiving loan applications from the credit bureaus tempting me to apply, and I did for a few because of my credit card debt, I wanted to get a loan to pay them down and make one payment, they never told me that it would be a hard pull and it ruined my credit score. All of my accounts are paid on time. I also tried to opt out and they continued sending loan applications. I also have a complaint about the companies, XXXX and XXXX XXXX XXXX who I have been a long time consumer. XXXX offered me a credit limit of {$6000.00} dollars and I have tried to get a loan through them and they turn me down because of my income which is from XXXX. Even though I have struggled I am a responsible person and pay them every month. I had called XXXX XXXX XXXX late at night and got a man on the phone who was more than rude, yelling at me saying that I did n't provide any information and that was a lie, I told him my name, and everything he asked I answered it, he continued to yell at me until I asked for a Supervisor. He apologized for the person 's behavior. Whenever I apply for credit, these are a part of the reasons, Proportion of revolving balances to revolving credit is too high. 
Lack of recent information on installment accounts. ( I do n't even have a current loan ) I had one in the past with XXXX XXXX XXXX and they never reported the loan as payed off. Another was, too many inquiries in the last 12 months. ( I explained that to a customer service person at one of the credit bureaus, I believe it was Experian that I have an addiction and am getting help in therapy. Not sure if they believed that but it is the truth. I mentioned earlier that I wanted to opt out because I did n't want to be tempted to apply for any new credit and that was the reason why. I have been treated unfairly with no resolution.

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 07/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I did n't owe the debt this company tries to collect. I do n't even remember I was with the service provider and If I was using their service, I always paid in full any balance that I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future. 
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 
Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.

Company response to consumer: Closed with explanation