milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-05-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Spoke with collections rep XXXX XXXX at Midland Credit Management XXXX MCM ) in regards to XXXX XXXX Card at XXXX XXXX on XXXX XXXX, 2015. He spoke with my husband before he got the permission from me to discuss the matters of the account XXXX the kind of debt and settlement ). He also brought his manager on the line XXXX XXXX and I Spoke with him starting at XXXX. He brought up other debts as well but never address the privacy violation of his associate but continued to try to collect. The rep went against privacy acts and FDCPA rules and never addressed the concern. They stated the call would be monitored and recorded, so they should have the call in their records.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have repeatedly advised Trans Union that the following requests for my credit were not authorized. They refused to remove the fraudulent inquiries and they continue handing out my credit report without proper authorization. 
XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/2015, XXXX/XXXX/2015, XXXX/XXXX/2015 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/2015 XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/2015 Furthermore, I do not have a XXXX loan. The went through some kind of acquisition and/or company split and they are reporting an account late incorrectly. My account was paid off years ago and was never late. It was constantly in an in school deferment. Transunion refuses to fix the error.

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 12/14/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I moved to XXXX From XXXX in XXXX 2015. 
Since then, XXXX Bank has been my only credit card provider in XXXX. 
I have outstanding XXXX history and I have been building XXXX credit since I moved out here. Equifax is refusing to update my Social Security Identification. 
They are claiming that it is a work only number and thus they will not add it to record. 
This mentality has led to me being rejected for over XXXX credit applications, loss of credit score and loss of time/opportunity to build credit. 
To my knowledge the other big credit bureaus have up to date records of my personal information. I have spent well over 6+ total hours engaging Equifax and doing what they demand to update my information. I have even had my bank get involved and call them, email them, fax them. 

This is complete nonsense and extremely frustrating. I expect my U.S Social ID number to be added to my personal records. This is the only us Social ID number I have and thus it belongs on my records. They have kept it blank even though my bank has instructed and confirmed my status, and other credit bureaus have had no issue making sure my records are up to date. 

Equifax has knowingly and intentionally withheld accurate information from my personal record which has led to several consequences for me. 
-Loss of Credit Score -Several Credit rejection precedence -Loss of rewards opportunities ie. Loyalty savings -Loss of credit building time I have done everything they have asked. I 've verified all my info, emailed faxed, called, involved my bank. They walk me in circles and do not give me answers or help me. They have told me several times they would update my records and then other times told me they will not. I am sick of this. It is my personal information. It is my right to ensure there is no discrepancy that will hurt my ability to build credit. Its hard enough starting from scratch in a new country when I have perfect XXXX credit history being ignored. Without this change it is impossible for me to get additional credit and build the necessary history for a mortgage, credit, scores. 

This MUST be brought to justice and rectified. I have fought too long for such a simple concept. 
I 've confirmed & done everything they have asked. I asked for one thing. They have not done what they told me they would do.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with CITIBANK, N.A. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Citi Home Equity LN XXXX XXXX XXXX CA XXXX Citi holds 2nd lien position. The short sale was started XX/XX/2016. We have received 1st TD approval on XX/XX/2016. Citi has taken so long to review their file that we have already had to request one extension from the 1st TD. Citi stated the file went to closing negotiations on XX/XX/2016. We have been in contact with Citi and they are still stating they do not have a decision on the file. 

Citi has had ample time to review the file to receive the maximum allowed to a 2nd TD under HAFA guidelines ( XXXX ). The 1st TDs approval letter is now in danger of expiring AGAIN. The homeowner will not be able to receive any relocation funds, since the HAFA program is now expiring. 

At this point Citi will not even respond to us. They continue to transfer the file, ignore our phone calls and emails. This is rather troubling considering the borrower is a XXXX service member.

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
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have send TransUnion a total of three letters regarding inquiries that they are reporting on my credit report. the last letter I sent with tracking number XXXX XXXX XXXX XXXX XXXX they are reporting not yet proven compliant information. Trans Union has detailed on my credit report. reporting several allegations of inquiries that have not been adequately verified in a compliant manner as mandated per the FCRA metro 2 reporting regulations, namely that they do not have verifiable proof or permissible purpose and the chicanery led to subterfuge is UNLAWFYLLY injurious to my credit and reputation which is clear infringement of my consumer and civil rights. instead of marking dispute on these errors after sending 3 dispute letters instead Trans Union ignored my letter. I informed them that I did not authorize anyone employeed by the companies to make any inquiries and view my credit report. this is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. I requested that they remove the fraudulent inquiries from my credit report immediately that is maintain under my social security number.

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 12/20/2015 about Consumer Loan (Title loan) with PNC Bank N.A. (MI).
Issue: Charged fees or interest I didn't expect

Complaint: As senior citizen and XXXX veteran who now is experiencing a financial hardship due to decreased income and spouse XXXX who is unable to work. My wife and I have fallen behind on a title loan which is secured via a boat title. Our payment history was excellent with PNC Bank until XXXX. Please be advised that we live on this boat in Michigan during the summer months. It is large enough to serve as our residence during that time. Received a threating letter from PNC Bank ( Notice of Default and Right to Cure ) demanding payment of {$9400.00} in less that 33 days from the date of letter ( XXXX15-not received until XXXX/XXXX/15 ) increasing our payments {$1800.00} over the demand period with no consideration or dialogue regarding a customers ability to repay. No concern via PNC regarding the Repay Rule just a threat and oppressive demand to pay under threat and PNC ultimatum. I initiated contact with PNC prior to receipt of XXXX/XXXX/15 demand letter to work out a payment plan to no avail to date. Constantly in contact with PNC Collections ( XXXX ) and Executive Client Relations ( XXXX ) in order to work out a reasonable/affordable payment plan still to avail. I will keep up contact until I have a representative call contact me while many days passed with our any reasonable terms discussed to work out a payment plan. This to prevent reposition of my asset which I have paid on for over 13 years in good standing and promptly. PNC Bank also demands this customer must contact them in writing with a payment plan taking up more time of the 33 day time allotment attempting to place repressive pressure on the customer to relent to their treats and payment ultimatum only. Please contact PNC Bank on behalf of this senior and XXXX veteran to get their attention and work our a reasonable payment plan for this customer which I have not been successful accomplishing as soon as possible. I also believe that PNC acting in bad faith using oppressive collection tactics on other customers like me as well. Perhaps, this complaint will help the CFPB to assist other PNC Bank customers and require this bank to active in a customer centric manner and correct their repressive and perhaps illegal collection efforts in bad faith as in my case.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NJ).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: Citbank issued me a credit card with a 24.24 % interested rate. I have a XXXX credit score with a debt ratio of like 35 %. I have not missed a payment in over 7 years. I said something to them and they slightly lowered it to just under 20 %. Question, why wasn't this rate to start with them. Seems to me if you want a customer you'd give them the best rate to start with to build trust. I have already put a complaint in asking an exact explanation of why this happened. I am going to keep putting in complaints about them every few weeks until I get an answer as to why my rate was originally set to their max rate when I have a XXXX credit score. I am saying this is predatory lending practice. I believe this happens to a lot of others who don't understand credit scores and what they're eligible for. I want an exact reason in writing why I received 24.24 % rate then lowered only after I complained to a manager. Their low rare is 14.24 % which is where i should be.

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 05-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I sent in several disputes to remove or correct an account on my report. I have full ownership of a vehicle and I have the title to the car and XXXX refuses to correct the information. I was told that I can only dispute an account with them one time only as they have already found the account to be true and i am unable to resubmit a dispute or further submit documents proving my case. I have called several times and spoketo numerous employees and no one will help. I have sent letters and have gotten no responses. This account is no delinquent and this car has been paid off. It is showing as a reposession and a bad debt

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 12-10-2016 about Mortgage (FHA mortgage) with LoanCare, LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I recently paid off my loan on XXXX/XXXX/2016 due to refinance. I have asked for corrections to be made prior to the loan being paid off which did n't happen. My XXXX/XXXX/2016 payment which was sent on XXXX/XXXX/2016 did n't get credited to the account until XXXX/XXXX/2016. The company provided an updated payoff after the payment posted. I have contacted the service provider several times with no resolution. XXXX/XXXX/2016, XXXX/XXXX/2016, XXXX/XXXX/2016, XXXX/XXXX/2016 ( phone finally reached an individual ) XXXX/XXXX/2016. They have accrued interest in the amount of {$410.00} which should be due back to me, and collected PMI for XXXX 2016 which should not be due. The loan was paid in full on XXXX/XXXX/2016. Please help me obtain resolution on this I 'm at a loss on how to work with this company. 

Sincerely, 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 10/23/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: Problem is keeping up with what 's going on in my account. I go into my account using mobile banking and some transactions are a certain way then, I go back in about 3 hours to a day later even and the transactions are in totaly different order. My payroll deposit went in on a Friday morning around XXXX XXXX I went in my account on Saturday around XXXX XXXX  and it was showing that my check had n't even got my account and all the transactions I had made had all been placed in a negative overdrawn status. I 'm completely breaking down at work when I saw this. I call my manager asking him why the company took back my payroll check. He looked in his account with XXXX XXXX and his was fully processed and deposited. Keeping in mind that just Friday at XXXX XXXX my check had been fully deposited not in processing status. My whole bank sheet was in a sea of t red colored disarray!!!! I wanted to order lunch from my favorite Chinese restaurant and could not. I screen shot a picture of my account on my phone and you could clearly see my payroll check was gone and all, ALL my transactions had been put in negative status!! This is n't the first time this has happened. I ca n't even keep a good record because Everytime I go in to check my account there are different transactions in places where they were not an hour or day before when I checked!!!

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 01/23/2016 about Debt collection (I do not know) with CASHCALL, INC. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Cash Call frequently keeps calling for a man named XXXX XXXX even after I had repeatedly told them to stop calling my XXXX year old son 's phone, looking for a man that we do not know. It has gotten to the point where we tried blocking the numbers but they kept calling from new numbers. This has been happening since XX/XX/2015, and we are tired of it.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2015 about Debt collection (Medical) with BC SERVICES, INC. (CO).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have never received a bill from the original company this is due from. I do not know where these bills are coming from and why I owe them. I have also never received a bill from BC Services. The only reason I know that I " owe '' is because it shows up on my credit report. I have contacted them to send me something so I know what it is and why I owe. I have only been told how much I owe over the phone and that it is a medical debt. BC Services has failed to assist me in the debt and just want to collect the debt that I am not even aware of owing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Wells Fargo led me to believe that I was approved for a loan and good to close on XXXX XXXX 2017. I requested numerous times for over 4-6 weeks that they look at my application and provide me a written approval. None was provided. I was given a verbal every time and " pre-approval ''. I gave them my closing date, they were aware of it. And on XX/XX/XXXX at XXXX, 1 business day before my closing date for my future home, they denied me the loan. I had provided them EVERY piece of information in a timely manner that they had requested as part of the application process. I was not given a reason for denial. I was simply denied. This was tremendously unfair and deceptive to lead me on till ONE day before I am due to close and tell me that I should explore other options. I have to move out of my current house on the XX/XX/XXXX. That leaves me 3 days to figure out how I am supposed to get a mortgage for the new home. This was unprofessional. They are not open in communications. The lender did not communicate directly with me ever! I would like to understand what the basis of denial was. I would like the lender to give me a call or meet face to face and show me the customer respect that I deserve, not hide behind a text message or an email.

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 09-03-2015 about Credit card () with PAYPAL HOLDINGS INC. (TN).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On XXXX XXXX, 2015 I received a call from XXXX, which turned out to be from Paypal credit. The call was from their fraud department asking if I had applied for credit since I have an initial fraud alert on my credit file. I told them I had not applied for credit and asked what I needed to do next, they said to do nothing and that my fraud alert was working perfectly. The reference number for this conversation is XXXX. 
Not wanting to leave anything to chance, I checked my credit file that day and found that my credit had been pulled on XXXX XXXX/PPC on my XXXX file. I submitted a dispute with XXXX to which they have already responded that credit pulls are a " factual record '' and that I would need to work with Paypal to remove the inquiry. I have now called Paypal and they have been less than helpful to remove a credit inquiry that we both know I did n't submit. I have to send a letter to a XXXX XXXX in Maryland with no tracking or accountability to remove the inquiry. My concern is that someone has accessed my file, and now there 's a record of that on my credit file and I have not initiated this. I merely want Paypal to correct the issue and remove the credit inquiry from my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Account is reported as late, payment is up to date. Address was never changed for statement. Did not receive bill.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Midland credit management account XXXX amount {$630.00} opened. XXXX has been reporting inaccurate on my credit and is in violation of federal law. This account is a collection account and is reporting 120 days past due which is impossible and is an inaccurate status for a collection account. It is also reflecting that it 's as a factoring account which is false because factoring accounts reflect current debts. Please remove this account from my XXXX credit report for violating the fcra and inaccurately reporting account statuse as well as account type.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Loan servicing, payments, escrow account

Complaint: I have not received a response to my qualified written request to Bank of America, sent by certified mail on XXXX XXXX, 2015, and delivered XXXX XXXX, 2015. Under Section 6 of RESPA, Bank of America had 20 business days to respond to my complaint, and 60 days to resolve the issue. Please see attached letter to Bank of America and return receipt for certified mail delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Billing statement

Complaint: Chase credit card provides an interest free period with the upfront payment of a transaction fee. The terms page with expiration date of the zero interest is at the end of the statement after the disclosures page and separated from the the main part of the statement. The expiration date for the interest free period is changed to blank on the statement for the month the interest is charged. However a zero percent interest is still shown. The expiration date for another zero interest advance is shown below it which can be misinterpreted as the expiration date for all advances. On the following month 's statement the advance amount is then placed in a different location showing the new rate. This is after the rate is charged. The changing of location of the advance amount, the excluding of the end date, along with a different date for another advance can make it confusing as to exactly when the interest free period ends. Other less significant information is more clearly provided. I have not had this confusion with statements from any other credit card companies. 
Upon contacting Chase, an agent offered to refer me elsewhere to resolve the problem. Later he stated he was aware that those alternatives were of no use. He stated that interest charges were not disputable. Several of my questions to him about disputes were not answered clearly or directly or were responded to with ambiguous terms.

Company response to consumer: Closed with monetary relief