milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/30/2016 about Bank account or service (Checking account) with Alliance Data Card Services (SC).
Issue: Deposits and withdrawals

Complaint: I did not authorize Comenity Bank to make two attempted withdrawls of 1. XXXX and 2. XXXX from my ersonal bank account without mt consent. They have attempted to take these funds from my personal bank account several times which cause my bank to charge me numerous insufficient fund fees for the last couple of months.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I would like to validate the debt for XXXX. I do not believe the debt is mine and XXXX for {$72.00} is showing on my transunion credit report twice for the same amount. The XXXX is for {$210.00}. Not sure what is going on, but that is not correct. XXXX has deleted all three tradelines for incorrect reporting and i would like these deleted as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Experian Report # XXXX XX/XX/2018 Personal Information : Experian has all these names in which I never used for any type towards credit or Employment. Experian has XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as showing 2 times Experian needs to provide me  documented proof from state ID Passport Drivers Lic showing that these names been used by me. I also want proof documented by Experian to these names link to credit or credit cards car loan or home Mortgage anything fin in those names documented. It makes no sense that Experian creates names or address or information that is not right or does not or can be confirmed.

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 03/29/2018 about Debt collection (Other debt) with The CMI Group, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: While doing my weekly credit report check on XXXX XXXX, I found a collection on my account which was odd because I pride myself on not owing anyone ( accept XXXX XXXX but thats another story ). 

It says the original creditor is XXXX XXXX, but I've never signed up for cable. I don't even watch cable television because I have XXXX. For it just now to be going to collections, someone must have signed up for something in my name earlier this year ( {$76.00} balance - opened XX/XX/XXXX according to XXXX XXXX ). 

I don't understand how or why someone could do this, this technology world we live in just is not safe anymore.

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 09/29/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with JPMORGAN CHASE & CO. (WA).
Issue: Closing on a mortgage

Complaint: My concern is with JPMorgan Chase & Co. 's inability to provide my Heloc loan disclosures in accordance with the Federal Truth in Lending Act and possibly the Home Ownership and Equity Protection Act of 1994. They acknowledged receipt of my application on XXXX XXXX, 2017. I should have received Heloc loan disclosures with my application and then should receive additional disclosures prior to the loan being opened. I do n't agree with non-disclosure. We talked about this before and it is not my job to think of the questions to ask about the loan. It is Chases responsibility to disclose all the information regarding loan details to me. Disclosure of info only after the contract is written, delivered, and under a 24-48 hour suspense to secure the loan is seemingly inappropriate and not in my best interest. Additionally, it may be in violation of the law.
Chase will not provide details of how the Heloc works. I need to see the terms in writing, terms like how many years can I draw on the loan, can I lock the rate in, If I lock can I reopen and draw more if not at the max loan amount? If they exist what are late payment penalties, etc., etc. I have asked everyone from chase involved in my loan process so far, to include their executive office department that called me today. A conversation, filled with poor attitude on their part, that concluded with resending a letter they ( she ) admitted will not have the disclosure information I have been asking for. ( note : info I 'm asking for is not in regards to the interest rate as I know the rate changes with the FED ) I have a right to know the basic terms like what 's allowed, what can be done and what ca n't, basically how the loan works. It should be visible and obtainable by all customers to validate fair and equitable treatment as well as be in alignment with the Lending Act. The summary on their website is inadequate and truncated ( missing pieces ) to entice people to apply for their loan.
Furthermore, under no circumstance should anyone be pressured under a short 24 - 48 hour window to enter a contract which could potentially cause the lost of their home.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have contacted the company on several occasions to add account to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
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 contacted Experian for dispute on my credit report, they were unable to locate my file.   I tried to dispute inquiries and credit that is not mine, but was unable because my file was up earlier showing me particial information then down showing me nothing and the company nothing even with a File 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 explanation
Consumer complaint received 08/27/2017 about Debt collection (Medical debt) with California Business Bureau, Inc. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I disputed this debt with the credit bureaus and directly with the collection agency via certified mail. At no time did I receive any documentation that legally verifies this debt. I have not even received correspondence from this company at all except for the original letter. Congress states that the only legal verification is the physical documentation that was filled out when this account was opened and this documentation was never sent to me. In addition, I 'm pretty certain that a company can not just state that the debt is mine, or else anyone can state that anyone owes them money. Where 's the proof and why ca n't this company produce it? I never stated it was identity theft, I never stated that it was n't mine. What I am stating is that I do not recall this debt and that I know my rights in regards to items reporting on my credit report : they must all be legally verified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Mortgage (FHA mortgage) with MORTGAGE LENDERS OF AMERICA (VA).
Issue: Credit decision / Underwriting

Complaint: I am at my wits end and in tears as i write this to you. I have begged everyone at my mortgage company for help and all has fallen on deaf ears. This has been the worst experience of my life. I am 2 weeks past my closing date and still not closing. I have had to order my own tax transcripts along with many other items i had to do for them to try and get them to move along. I dont understand how a company can do this to people? Please help me!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Mortgage (Conventional home mortgage) with Caliber Home Loans, Inc. (MD).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: We have been in Loan Modification mode with this " Company '' for six + years, paying " interest only '' modifications that must be re-approved every two or three years, or the mortgage will convert to a " Post Modification '' rate of 6.99 %.
Our goal has been to secure a fixed modified rate, based on current conditions, for the life of the loan, and think that six + years is long enough to evaluate a client.
The last offer from this " Company '' as of this month ( XXXX XXXX ) was for another " Short Term Interest Only Modification '' for five years@4.375 % which, again, converts to 6.99 % after the five year term.
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We are tired of having to go through Loan Modification XXXX XXXX with this " Company '' and are complaining about how we have been treated over these past years.
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We purchased this house with a Conventional mortgage, not wanting to get involved with the then XXXX/XXXX stuff going on in the government. Unfortunately, all the programs available for permanent modifications to one 's mortgage due to the " underwarter '' situation created in XX/XX/XXXX-XX/XX/XXXX, are only available to the ones that have XXXX/XXXX  loans, that of course our taxes pay for [ the programs ] and we do n't have access to.
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We think a fair offer, considering all we have been through with this " Company '', and considering the market that the housing " bubble '' caused, and considering our Conventional Loan mortgage, would be at least a two to five year interest only modification at 4.375 % converting to 4.375 % Principle/Int/Tax/Ins Loan for the life of the loan. Consideration would be nice ... .I guess there 's foreclosure

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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 consolidated all of my student loans with the US DEPT of ED and XXXX XXXX XXXX XXXX services my new loan. They are still reporting a previous default loan that is over 7 years old. The credit bureau can not remove it, and XXXX sent me a letter accusing me of fraud when I disputed the age of the negative mark on my report. The information is a duplicate as of now, because I have a new loan not in default because of consolidation and the information they are reporting on my previous default is from 11 years ago and per the statute of limitations on student loan reporting once the loan is sold the delinquent information can only remain on my report for 7-10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Debt collection (I do not know) with First Recovery Solutions, Inc. (NJ).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: On XXXX/XXXX/XXXX, a robocall was left on my voicemail - stating that there was a message for xx and given claim # XXXX. I returned the call. I was told I was in Breach of Contract for a payday loan taken out on XXXX/XXXX/XXXX from XXXX XXXX, and I owed {$500.00}. When I asked for a mailing address for the debtor, I was told they could not provide that for their own security. They said they could email me information only. They provided a fax XXXX Attn : Arbitration. They stated that if I did not pay on the debt via credit card, would go to jail and I better get a " good lawyer. '' They had my last XXXX of my social. They are leaving these messages on my cell phone and sister, husband, mother and brothers phone. They do not have a legitimate company -- internet research is showing this is a scammer number. I do not have any outstanding payday loans - nor have I taken any payday loans in XX/XX/XXXX. These company is operating as a bogus debt collector and will only accept payment via electronic means. They will not provide a mailing address. I have called multiple times and they yell, threaten with jail time and that they will see me in court, and then hang up. They will not give you any verification of alleged debt, will not provide you anything via mail

Company response to consumer: Untimely response
Consumer complaint received 04-07-2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX we purchased a home with a FHA Mortgage Loan. 
in XXXX XXXX we filed chapter XXXX Bankruptcy because we could no longer afford the home due to employment loss/ employer reduction. 
we were discharged on XXXX XXXX, XXXX. 
the home of XXXX XXXX tx XXXX later went info foreclosure on XXXX XXXX, XXXX. 
we are being given the run around by mortgage lenders and bank of america customer service. 
we cant pass caivrs during underwriting for a new home loan whether it is conventional or FHA. 

we filed for bankruptcy because of a situation that was out of our control. we qualified for bankruptcy because of that same reason. the bankruptcy included the home in XXXX XXXX, TX. the discharge clearly states we were not responsible for the mortgage loan any farther and to not make any payments towards it. no clear dates have been given regarding why it took the bank over a year to foreclosure. OR why we are responsible for the foreclosure if it happened after the discharge. please provide dates and why we are being penalize by this foreclosure. our credit shows the bankruptcy only and other than that our credit is in great standing. we are unable to get a home and there needs to be a clear explanation why.

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 01-03-2017 about Credit card () with WELLS FARGO & COMPANY (CA).
Issue: Late fee

Complaint: I generally pay my Wells Fargo credit card balance in full at the start of each month, but I just noticed that for the past 3 months I have been assessed a {$37.00} late fee on the XXXX of each month. A Wells Fargo customer service representative says that because my online payments were early, they were applied to the previous billing cycle, so I was always " late '' for the next cycle. However, in no case did I owe them any money for longer than 30 days. 

The sequence was like this : XXXX - pay balance in full XXXX - statements closes ( after the payment was registered ) XXXX - {$37.00} late fee ( on XXXX balance due to interest assessed XXXX XXXX XXXX - pay balance in full XXXX - statement closes XXXX - {$37.00} late fee ( on XXXX balance due to purchases XXXX + interest assessed XXXX XXXX XXXX - pay balance in full XXXX - statement closes XXXX - {$37.00} late fee ( on XXXX balance due to purchases XXXX + interest assessed XXXX ) I can understand how their algorithm might work this way, but it makes no sense in the online era when consumers may access their account and make payments any time. I suspect many others are falling into this trap ( and Wells Fargo knows exactly how many this is ). I voiced my complaint to Wells Fargo and they would only refund one late payment " as a courtesy. ''

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 12-04-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Fraud or scam

Complaint: I was scammed on line by a friend which turned out to be an imposter asking me about Trumps federal grant program, ended up giving them XXXX thru Bank of America. The account was sent from and to Bank of America, called them about situation I gave them the name and account number with BOA where money was transferred. I called them about situation someone at that bank had to take the order and someone had to start the account, they said I was scammed and they could not help me. This started XX/XX/17 the money was transferred XXXX Something had to be on camera

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 07/24/2017 about Debt collection (I do not know) with Javitch, Block & Rathbone LLC (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: I received a letter by mail portraying a lawsuit against me.

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 03/13/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I recently paid of both debts on my credit account and one has been removed but this one is still remaining. How do I get it removed and listed as paid.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Closing/Cancelling account

Complaint: I have had a citi credit card for a long time, since 2007. In fact it was one of my highest limit cards ( about {$14000.00} line of credit ) and one of the oldest accounts I had. I had not used the card for quite sometime and all of a sudden it was closed without any prior notice to me. I just received a message saying my card was closed. There was no balance on it but if I had known my card would be closed for non-usage, I would have used it! I believe Citi did this because they wanted to switch away from the old rewards system model for that particular credit card. 

I believe their action has adversely affected my credit score and I did not deserve this. I did not receive any notification prior to being emailed that my account was closed.

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 01/17/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (CA).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: In XX/XX/XXXX I tried to use my XXXX XXXX it was denied. Did not think anything about it, because I just paid my balance. Today XX/XX/XXXX I looked up My account and it said it was closed with a {$0.00} balance. Call Customer Service was told it was because of lack of activity. I could not understand that so I finally spoke to a credit specialist and she claims the no activity and they checked my credit again and then because I did not owe any money and my credit score had gone down they decided to close my account. How can this happen? Why did they not send me a letter, which they are now sending me within 20 days? I am shocked that a company would close an account with no balance and then check my credit to close it. 
XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX cc # XXXX XXXX limit {$110.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2015 about Credit card () with AMERICAN EXPRESS COMPANY (WA).
Issue: Closing/Cancelling account

Complaint: XXXX XXXX XXXX and American Express have some partnership that requires consumers to sign up for a XXXX to get a discount on your phone. It was not spelled out that consumers were signing up for a XXXX. American Express then bothers you with emails and sells your contact information to other parties. When you attempt to close your account American Express sets up roadblocks and lies to the consumer about the accounts and the necessary steps to close an account. I 've attempted to close our accounts XXXX times and hope I have finally been successful.

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: The credit company Equifax was hacked and my data was stolen from their storage servers. This was reported by Equifax in early XX/XX/XXXX, however, they were aware of the breach on XX/XX/XXXX. I am now at risk of being a victim of fraud more than I have ever been in my entire life. I have been a victim of credit card fraud twice and I am extremely careful with my finances.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Transunion fails to remove the XXXX XXXX XXXX account.. Transunion reports incorrectly that this account has a credit limit of {$5000.00}. Transunion reports incorrectly that this account is paid monthly. Transunion reports incorrectly this account 's date of first delinquency. Transunion reports incorrectly that this account has a current balance of {$25000.00}. This account has issued a XXXX cancellation of debt .Transunion continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

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 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX 's client XXXX XXXX XXXX is an identity theft victim. His information was used without his consent to apply for a credit card with XXXX XXXXCap One XXXX/XXXX/XXXX. While no account was established a fraudulent inquiry related to the application was left on his XXXX credit report. An official dispute of this was sent to XXXX XXXX XXXX/XXXX/XXXX and as of this date no reply has been provided which is a violation of the FCRA.

Company response to consumer: Closed with non-monetary relief