milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with GOLDEN 1 CREDIT UNION, THE (CA).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I was approved for the credit card on XX/XX/XXXX for {$2000.00}. To day is XX/XX/XXXX. I went in to the bank to see what was taking so long to get my card. I was told it 's because of my credit score. my credit score is at XXXX. To qualify for a bank credit card your credit must be at XXXX. I FEEL LIKE I BEEN LIED TO '' AND DISCRIMINATED AGAINST AS A XXXX MAN ...

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 12-12-2015 about Mortgage (VA mortgage) with FIRST MORTGAGE CORPORATION (NV).
Issue: Loan servicing, payments, escrow account

Complaint: First Mortgage Corp submitted late payment to credit bureaus when I was advised ( by rep XXXX on XXXX/XXXX/15 ) no negative credit reporting would be submitted during transfer of my mortgage loan due to contradicting transaction with my first mortgage payment.

Company response to consumer: Untimely response
Consumer complaint received 08-09-2017 about Debt collection (Other debt) with Ray Klein, Inc. (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Filed a complaint with XXXX consumer affairs. According to Consumer Affairs Professional Credit Services, they are not license in the state of New York. They continue to add $ 1-2 dollars to the balance every month. This collection was also included in my discharge bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (AZ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/XXXX I was in email contact with XXXX XXXX at XXXX XXXX XXXX   (XXXX & XXXX) in regard to financing a used vehicle through that dealership.  After discussing financing options, I informed XXXX by email on XX/XX/XXXX that we decided against purchasing through XXXX XXXX XXXX XXXX. In XX/XX/XXXX, after receiving multiple credit denials from multiple finance companies for both my husband & I that we did not authorize, I check our credit reports, and learned that on XX/XX/XXXX multiple inquiries were made to our credit report on behalf of XXXX XXXX XXXX XXXX.  My husband contacted XXXX XXXX XXXX finance dept & informed them of these unauthorized inquiries & he was told (did not get persons name) that they would take care of it. On XX/XX/XXXX, we received yet another credit denial letter for both my husband & I.  This time it was from XXXX XXXX  on behalf of XXXX XXXX XXXX.  So I again, checked our credit reports to find another unauthorized credit inquiry on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2017 about Debt collection (Other debt) with TD BANK US HOLDING COMPANY (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I have a lot of inquiries on my consumer report that is very damaging and I keep getting mail, and it has destroyed me. I do n't even know about these things that are in my credit report. Can you please remove tjem

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Vehicle loan or lease (Loan) with CREDIT ACCEPTANCE CORPORATION (MD).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: My name is XXXX XXXX my address is XXXX XXXX XXXX XXXX Maryland XXXX my phone number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX owner owns all Car stores XXXX Maryland and Delaware! Cheats people a lot of people complain about the car store! XXXX XXXX salesman and XXXX the manager of that car store cheat people never got to see white sticker! On truck! Signed for truck electronically! A lot of papers for Creditacceptance at car store! sold me a lemon credit acceptance charge me to much money after what I went through for that truck had to go to therepy for my back why I brought it someone hit me and total wrecked my truck that I had brought through Creditacceptance. A XXXX XXXX XXXX paid that off XX/XX/XXXX in good standing they know Creditacceptance! the car store did n't! Brought truck XX/XX/XXXX motor was low on oil next day car store garage put oil in next day power steering started making noise needed power steering hose! They fixed! XX/XX/XXXX truck motor stated making noise carried back to car store garage left there said needed new motor! Said would put one in did n't said was something else later fixed it got truck back XX/XX/XXXX Complained to credit acceptance complaint department they did n't do nothing!! XXXX was investigator in complaint department of Creditacceptance. Her fax number is XXXX paying XXXX XXXX for a lemon a 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 08/19/2015 about Payday loan () with The Bureaus, Inc. (NC).
Issue: Charged fees or interest I didn't expect

Complaint: I contacted The Bureaus to pay off a debt. The person that answered the phone did not tell me her name. She was extremely rude and disrespectful. She said she could not work with me under the circumstances and I asked for the fax number. She said I did n't need the fax number and argued with me when I insisted on having the fax number. Then, before her response was audible, she hung up on me. I called again, and spoke to someone that referred to herself as " XXXX ''. She was also very disrespectful after I told her what the how the other associate had treated me. I asked her for the fax number. She gave it to me and hung up on me. Then, I called back and asked to speak to a Supervisor. " XXXX '' answered again. She told me there was no Supervisor. I asked her how they ran a business without a Supervisor. She asked if she could help me. I asked, " Are you a Supervisor? '' She answered, No. I said, " Then you ca n't help me. I 'd like to speak to a Supervisor. '' She refused. She said that no one was available. I asked her when someone would be available. She asked why I had an attitude. I told her it was because she was refusing to let me speak to a Supervisor. She said, " I already told you no one was available. '' I said, " When will someone be available? '' She said, " Tomorrow morning, '' and then she hung up the phone. 

All I wanted was to pay my debt and they were completely unwilling to work with me. They were rude, disrespectful and they hung up on me a total of four times. They knew who was calling, because I put in my social security number, and the first time they answered, they asked if I was XXXX XXXX. I responded yes. So that tells me that the prompt to enter my social security number immediately told the person that answered the call my name. So, the 2nd and the 3rd time that I called and they hung up on me, that let 's me know that they knew who it was that had called. 

This experience was humiliating and upsetting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Credit card () with CITIBANK, N.A. (VA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My XXXX XXXX XXXX father who suffers from XXXX was tricked out of his life 's savings by a young woman con artist. She " borrowed '' all his retirement savings and she used XXXX of his credit cards to go on shopping sprees. She used his Citibank card to purchase more than {$8000.00} in merchandise at stores he never shops in such as XXXX and XXXX 's XXXX, much of it while my father was hospitalized. Note that their fraud alert system failed to recognize this unusual use of his card. Citibank 's fraud department refuses to recognize this as fraud, despite the fact that this woman has been arrested, has been charged with grand larceny and identity theft and is being criminally prosecuted for the use of the card. So, the criminal justice system says fraud and Citibank says permissive use. They have informed us we have no right of appeal and no recourse.

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 08/18/2015 about Mortgage (Conventional fixed mortgage) with Credit Card Receivables Fund Incorporated (TN).
Issue: Settlement process and costs

Complaint: This company has put a judgement on my property located at XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. Judgement is XXXX XXXX COUNTY XXXX XXXX FOR XXXX. It have disputed this information for seven years now and have even put a case in with the state. Please have it removed from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Debt collection (Other debt) with SUNRISE CREDIT SERVICES, INC (NC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: After signing up for just internet service ( high speed home service ), at the rate of {$40.00} per month. I signed up with the guarantee that if not satisfied with the service that I could cancel the service. After attempting to resolve the added on charges, which exceed the {$40.00} contractual signed documents. I was then sent a {$130.00} and {$160.00} bill for which the service was misrepresented. The services I received were extremely slow and charges were not what was agreed upon. So in contacting XXXX  and speaking to the customer service representatives and not coming to any conclusion. XXXX decided to send my account information to collections, resulting in damaging my credit standing.

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 12-01-2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX 2015, I received a notice that from the mortgage companyNationstar, that they erroneously calculated the impound account formore than 12 months. The error resulted in a negative balance, whichwould require us to pay in full or make additional payments over time. 
The amount was XXXX. Since XXXX I have made the additionalpayments, plus sending additional money to bring down the shortage. 
I have made every payment, plus sent additional funds of {$900.00} toapply to the shortage. Since XXXX they continue to make errors inposting the payments, and I was called on a regular basis by theircollection department, telling me I was missing a payment. I spokewith XXXX supervisors and several line phone people trying to tell themthe payments were there. In addition they charge me interest, whichI was told by XXXX supervisor would be reversed, but that never happenWe are trying to refinance, and due to these ongoing errors, they arereporting two months late payments on my credit, even though I haveactually paid more that what was due. 
I want them to remove the late payments from my credit, as well ascredit my account for all the fees they have charged me. Also, theyneed to post the additional XXXX to the escrow account as I indicatedwhen sending the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX, Equifax and XXXX have allowed fraudulent attacks to my credit reports. I have lost more than {$100000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I do not have any negative information on my credit report. My credit accounts are paid before the due date. My credit score was XXXX but in the past few weeks ALL XXXX report my score as XXXX. I asked them why but they never answered me back. I need to know why this is taking place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-08-2017 about Debt collection (I do not know) with Capio Partners, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have sent validation letters so they can verified account. I have not received any information on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/19/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CO).
Issue: Other

Complaint: As part of a divorce settlement my wife assumed responsibility for three credit card accounts that had been opened under my name and SS #. All the accounts were in good standing at the date of this transfer ( XX/XX/XXXX ) with no history of late payments. Unbeknownst to me, my ex went to XXXX to renegotiate the interest rates and payment amount on all three accounts. She was successful, but somehow in the transition from normal status to the credit arrangement with XXXX a series of late payments were reported by the creditors against my credit history. There were a total of eight 30 day late payments reported in a 90 day period. These should not be reported against my credit history since I was no longer legally responsible for the payment on these accounts. My attempts to get this corrected have been unsuccessful. I have complained to the credit reporting agencies, to XXXX and to the creditors directly, all to no avail. These late payments are being wrongfully attributed to me and it has had a ruinous affect on my credit rating. As a consequence I can not rent property or attain any credit at all except at the highest interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Debt collection (Credit card) with Collection Bureau of Walla Walla (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I keep receiving letters from the Collection Bureau of Walla Walla for a credit card debt that I did not create and I do not own it. I have filled an initial dispute with this collection agency. 

Therefore, because I am disputing this debt, it should not be reported to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I am missing {$1800.00} in principal payment not applied to my account when my loan transferred from caliber to us bankwhen my loan was set up with caliber I went on a biweekly I made {$1800.00} on XXXX XXXX, {$1800.00} XXXX XXXX, {$1800.00} XXXX XXXX, which paid half of XX/XX/XXXX payment. i still owed the other half of XX/XX/XXXX and my loan was transferring to us bank starting XXXX XXXX was told by caliber to stop the biweekly automatic payment which I did. 
since I was on a biweekly, I totally forgot that I made half of XX/XX/XXXX 's payment on XXXX XXXX, so I went ahead and sent them a check from my bank thru bill pay for the full mortgage payment which was {$3700.00} ck # XXXX. 
my bank mailed it but caliber did n't receive it and I did n't want to be late, so I called them on XXXX XXXX, they said check was n't received in their system yet. so I was advised by their representative to make a payment over the phone and stop payment on the check that was mailed. I was also informed that I only owe half a payment which is {$1800.00} since I already paid the XXXX half on XXXX XXXX. 
so they took a payment over the phone for {$1800.00}. 
the next day, the {$3700.00} check went thru to caliber ; caliber, and according to them, applied it to my account although there was a stop payment on it. 
when my loan transferred to us bank, I setup automatic payment deduction for {$3700.00} plus an additional {$200.00} to principalwhen the XXXX auto deduction was made in XX/XX/XXXX to cover XX/XX/XXXX payment, us bank took it and sent it to caliber because I had a stop payment on that check and caliber applied the $ $ to my account. 
so I made the payment to us bank over the phone to cover XX/XX/XXXX 's payment. 
nobody seems to understand my situation here, which is real simple : caliber only applied {$1800.00} of my {$3700.00} towards principal, and I am missing the other {$1800.00}. 
I need assistance in looking at my payments made to both banks and resolving this issue asap, it is very frustrating to deal with this issue. no communication between lenders whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Credit card () with AMERICAN EXPRESS COMPANY (CT).
Issue: Bankruptcy

Complaint: I am in bankruptcy as of XX/XX/2015. As such, I should be afforded all bankruptcy protection from creditors as per the automatic stay. This account is reporting that it is included in my bankruptcy, as well as is reporting me as late. My wife and I have been constantly monitoring our credit on a weekly basis during this entire bankruptcy process as my scores have a direct effect on my line of work. This reporting of lates has crushed my credit score and needs to removed ASAP. This is double hitting my credit score : once for being in bankruptcy and again for reporting me late. THIS REPORTING OF LATES IS ILLEGAL. Another issue here is that we 've been monitoring our credit through XXXX and these lates never showed up. This lates are from XX/XX/XXXX and XX/XX/2015. We found them because of a hard credit inquiry on me personally for my business.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: The following invalid inquiries are reported on my Transunion  Consumer Cr edit Report :  XXXX   XXXX   XXXX , regular inquiry,  XXXX / XXXX / 2016   XXXX , regular inquiry,  XXXX / XXXX / 2016   XXXX   XXXX , regular inquiry,  XXXX / XXXX /   2016  I have contacted the companies to have them removed!

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 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I filed a bankruptcy back in 2012, but according to the New law that took effect in July they should be taken of because of missing pertinent information. My public records need to get removed because of this new law.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2015 about Credit reporting () with Resolve Partners, LLC (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: the apartment where I lived put I owe the XXXX on my credit report rent was paid on time never received any bill at new home for this amount checked credit report 5 months later to find out this was submitted on my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2016 about Credit card () with CITIBANK, N.A. (WA).
Issue: Customer service / Customer relations

Complaint: Dear Sir/Madam, I am writing with reference to a recent incidence that occur during my telephone conversation with a Citi customer service agent regarding my Citi Access More credit card ( ending XXXX ), on XXXX XXXX, 2016. I was requesting the customer service agent to apply a decrease in cash advance limit to my account. However, the agent had misinterpreted my request and thought I asked for a credit line increase, and went ahead to initiate a hard pull on my credit report, erroneously, and without my permission. This inquiry is currently showing up on my XXXX credit report. 
This action was unacceptable as ( 1 ) I did not request for a credit line increase, and ( 2 ) I did not authorized to have hard pull inquiry performed. I have since complained about it in a subsequent phone call and was told that the matter was escalated to a supervisor, and was promised a call back within 24 hours. So far, I have heard nothing. 
I am submitting this complaint to CFPB and requesting for an immediate resolution to this matter. I want Citi to ( 1 ) retract the hard pull inquiry so that it is removed from my XXXX credit report, ( 2 ) tender an apology and ( 3 ) apply courtesy points adjustment to my Citi Access More account, for the distress caused. 
Thank you in advance, and I look forward to receiving a resolution to this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX, 2016

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 04-07-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NC).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: Citi Card has consistently sent emails stating they have returned mail - therefore I have not received a statement timely in 10 months. I have had to call Customer Service to a ) to determine the payment due, and b ) request a copy of the missed statement mailed to me and c ) make a payment by phone for months!. I made a note of the due date when this first occured, so thankfully, I have never made a late payment. I have requested the returned mail from Citi Customer Service to show the postmaster, as all of my other bills arrive without incident. I was refused the returned mail. My address has not changed in 13 years. I contend that Citi Card is not even mailing my statements - hence the refusal of the request for the actual returned mail. It is such a simple matter to mail my statement, a matter Citi can not seem to accomplish. I also wonder if this is a deliberate attempt to cause a late payment - which would result in a greatly increased interest rate as well as late fees. On XX/XX/XXXX I spoke with a supervisor who stated she had rectified the problem - and had removed my email address from the account - I promptly received an email from Citi Card confirming the conversation and a subsequent " returned mail '' notification shortly thereafter. The mystery is I always receive the " returned '' statement copies - but never the current statement. Which is why I do think this is a deliberate ploy by Citi to cause a late payment.

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