milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/23/2015 about Credit card () with DISCOVER BANK (MI).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On XXXX/XXXX/15, my spouse, suddenly and unexpectedly, passed away. XX/XX/XXXX, it was discovered that there was a Discover credit card in my name, ( wrong middle initial ). I immediately contacted Discover and was advised to submit a fraud claim. I had no knowledge of the card, no physical card, had never used the card. The only activity on the card were payments, as the credit was balance transfer. 

After several months of dispute, dozens of phone conversations, and mail communications with Discover, they continue to say that I am responsible. When I have asked about how the credit card was opened, I have received different responses, but have been told it does not matter. I truly had no knowledge of finances, in our home. I have been left with only my income, ( no life insurance, no pension or Soc Sec from my spouse ). I can not afford to pay off this bill, approximately {$6700.00}, that I had no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Consumer Loan (Vehicle loan) with KEYCORP (NJ).
Issue: Managing the loan or lease

Complaint: I recently moved to Pennsylvania and I have been trying to change the Title on my vehicle to my new PA address. I have contacted Key Bank customer service Auto Loan Dept. on 4 separate occasions in the past two months and I have been unsuccessful each time. Their customer service is horrible! I 've been given so many different fax numbers to send the request to and none of them are correct. Every time i call i am on hold for over an hour and then when someone finally picks up they tell me they have n't received my request or that i should fax it to a different fax number. I have 6 different fax transmissions showing it went through but they have n't received any of them. To top it all off i am calling XXXX and no one speaks English so they keep putting me on hold while they " research the situation ''. No one there knows what they 're doing. Not to mention every time I 've called the hold time is one hour or more ... and two times after waiting an hour the representative hung up on me so i had to call back again and wait another hour. So frustrating!. This customer service is unacceptable!!! My problem still has not been resolved. I want someone to call me back immediately with the correct information as to where DMV has to fax the request to change the title address to. My number is XXXX. I tried calling their corporate headquarters but the number listed on XXXX is disconnected. I was originally a Niagra First customer and had no problems until my loan was sold to this Key Bank and its been nothing but a nightmare. Auto Loan # XXXX. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Bank account or service (Checking account) with BB&T CORPORATION (GA).
Issue: Account opening, closing, or management

Complaint: I have a balance XXXX for BB & T Bank for {$580.00} but the balance was paid last year out of my tax return

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Continental Finance Company, LLC (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I do have many hard inquiries from companies that I do not recognize

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: This letter is to notify you about a problem I am having with Chase XXXX Lien Holder Department in regards to prolonging the short sale process of my property at XXXX XXXX XXXX, XXXX, XXXX XXXX. 
I am dissatisfied with the Short Sale Department at Chase because I have now been informed that the file has been selected for yet another internal review for the THIRD time. The file was OK 'd by the management department and was sent to the closing department to finish the short sale process. Now, randomly Chase has decided to pull the file once again to do another internal review of the file KNOWING that the short sale approval for the XXXX bank XXXX is expiring on XXXX XXXX, 2016. 
XXXX has already extended their short sale approval XXXX times to accommodate Chase 's numerous internal reviews and rejection of previous buyers and real estate broker. The short sale approval from XXXX expires on XXXX XXXX, 2016 and I 'm not sure if they will extend it again. 
To be honest, this entire process has been a nightmare. I can tell you frankly as a homeowner who now finds herself in the situation where she needs to short sell a house, I am disappointed and sad about my own inability to successfully complete a regular sale of my property. When I was laid off a year and a half ago after going on XXXX leave to look after my XXXX, I was desperate to find solutions to deal with a difficult financial situation. That situation has only become worse with our property catching fire and sustaining considerable damage. I am now currently looking for work in XXXX as I have been unemployed for over a year and have been advised that there is more work available there. Living with help and assistance from family and friends I have been able to get by. However, with the property being located in XXXX and being in XXXX, this is a big source of worry. Also, a neighbor that I am still in contact with has told me that there have been many suspicious people on and around the property attempting entry. This property is a serious liability and has caused XXXX for me. My only hope was that Chase would be able to see that I am a homeowner who is attempting to do the right thing and let go of this property in a way that will satisfy all parties involved. 
I now realize that Chase does not want to assist me in my efforts to complete a short sale on the property. It seems that Chase would rather have the property foreclosed on. 
I wrote a letter to XXXX XXXX XXXX dated on XXXX XXXX, 2016 to try to resolve this internally with Chase with no luck. See that letter attached.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Mortgage (VA mortgage) with BB&T CORPORATION (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I sold a home financed by BB & T in XXXX 2014. At the time I was almost XXXX months behind on the payments. The home was completely paid off and I received a refund from my escrow account. A few months later I noticed it was showing delinquent on my credit report so I disputed it. It came back as valid. I disputed again, came back valid. I called BB & T and a customer service rep said there was a {$10.00} balance for an inspection. Nobody sent me anything regarding this. I asked how to get it resolved, she transferred me to a voice mail box. I left a message more than a week ago, no response. I want this corrected on my credit report. It is showing delinquent for a year now. Can you please

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Debt collection (Other debt) with Pinnacle Credit Services, LLC (VA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I had been a customer with XXXX XXXX and purchased a phone with my planXX/XX/XXXX. I opened other lines in addition to the first line. After a couple months my phone screen went black and I was unable to use the phone. When I arrived at the store they dismissed my insurance and complaint of the phone. They then proceeded to sell me a XXXX  additional purchase for a new phone. I canceled my policy and changed carriers. XX/XX/XXXXI received a credit report and a collection of XXXX was owed to Pinnacle Credit Services. I have not received any information on this collection or any communication by phone, mail or email. I called the Credit Services on the number listed and inquired about this debt. The information was inconsistent after calling 4 separate times, with four seperate agents. I am calling to have this removed from my credit report with XXXX charges owed.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have disputed with Equifax a public record ( state tax lien ) on my credit report. I ordered a copy of my credit report and I saw an entry from XXXX court hourse. I contacted the XXXX clerk of courts and there is no state tax lien. The court does not report any information to the credit bureaus or anyone else and is unaware of what information the credit bureaus or anyone else may have obtained from public records which can be inaccurate. Equifax deleted my State Tax Lien and than within 2 days later added it back which is not allowed, and illegal without the credit burea sendiing me something in writing within 5 days. EQUIFAX already has a Federal Class action settlement ( Civil No XXXX MHL XXXX XXXX for this exact same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NELNET, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I am writting you this letter in regards to open student accounts/loans reporting on my credit report. These specific loans are reporting inaccurate balances. They have not been verified to be belonging to me. They have also, reached the reporting limit statue of 7 years. I am requesting that the following student loan accounts be removed from my credit report imediatly. This is negatively affecting my score, debt to income ratio, and the process of buying a home. I will wait 14 days to ensure the removal of the accounts listed below before I proceed further. I hope that this matter is resolved in a timely mannor. 
The accounts to be removed are as followed : XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX Closed XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX XXXX XXXX XXXX / NELNET {$430.00} XX/XX/XXXX ( 3 yrs, 3 mos ) XXXX XXXX XXXX / NELNET {$440.00} XX/XX/XXXX ( 2 yrs, 6 mos ) XXXX XXXX/ NELNET {$530.00} XX/XX/XXXX ( 2 yrs, 6 mos ) XXXX XXXX/ NELNET {$1200.00} XX/XX/XXXX ( 2 yrs, 11 mos ) XXXX XXXX/ NELNET {$1500.00} XX/XX/XXXX ( 3 yrs, 6 mos ) XXXX XXXX/ NELNET {$1800.00} XX/XX/XXXX ( 6 yrs, 9 mos ) XXXX XXXX/ NELNET {$2000.00} XX/XX/XXXX (  4 yrs, 6 mos ) XXXX XXXX/ NELNET {$2200.00} XX/XX/XXXX ( 2 yrs, 8 mos ) XXXX XXXX/ NELNET {$2200.00} XX/XX/XXXX ( 3 yrs, 3 mos ) XXXX XXXX/ NELNET {$3000.00} XX/XX/XXXX ( 6 mos ) XXXX XXXX/ NELNET {$3100.00} XX/XX/XXXX ( 6 yrs, 6 mos ) XXXX XXXX/ NELNET {$3500.00} XX/XX/XXXX ( 6 yrs , 9 mos ) XXXX XXXX/ NELNET {$3500.00} XX/XX/XXXX ( 6 yrs, 2 mos ) XXXX XXXX/ NELNET {$3600.00} XX/XX/XXXX ( 8 yrs, 2 mos ) XXXX XXXX/ NELNET {$4300.00} XX/XX/XXXX ( 2 yrs, 11 mos ) XXXX XXXX/ NELNET {$4500.00} XX/XX/XXXX ( 4 yrs, 3 mos ) XXXX XXXX/ NELNET {$4500.00} XX/XX/XXXX ( 5 yrs, 3 mos ) XXXX XXXX/ NELNET {$4600.00} XX/XX/XXXX ( 6 mos ) XXXX XXXX XXXX {$4700.00} XX/XX/XXXX ( 1 yr, 6 mos ) XXXX XXXX/ NELNET {$5300.00} XX/XX/XXXX ( 4 yrs, 3 mos ) XXXX XXXX/ NELNET {$5900.00} XX/XX/XXXX ( 5 yrs, 3 mos ) XXXX XXXX/ NELNET {$7200.00} XX/XX/XXXX ( 3 mos ) XXXX XXXX/ NELNET {$8400.00} XX/XX/XXXX ( 6 yrs, 2 mos ) XXXX XXXX/ NELNET {$9200.00} XX/XX/XXXX ( 8 yrs, 2 mos ) I am filing this complaint against The Dept of Education/ Nelnet as well as the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Alliance Data Card Services (GA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Date : XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX,  GEORGIA XXXX To : XXXX XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NE XXXX  Subject : Returned Item ( Tent ) on XX/XX/XXXX. AFFIDAVIT OF TRUTH I returned the tent that was sent without a canopy, no directions for installation, and the wrong color on XX/XX/XXXX via XXXX  delivery. Call tag number XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX ; a total of 4 boxes returned to shipper.
Payment for the tent was made through PAYPAL, A dispute was submitted to PAYPAL for the returned item. The dispute included the reason for the return as being the wrong product ( color ) amongst not having instruction, and missing the canopy, and other parts. SEE EXHIBIT A thru F You or your supplier should have received the returns, and verified all the issues in my complaint were accurate, thus rendering a full refund. Thirty ( 30 ) days have passed, and all settlements should have occurred. PayPal has my account remaining in dispute which is depriving me of the purchase amount. I have fulfilled my obligation in returning the items ( s ) to the sender XXXX XXXX. All accounts shall be made current and reflect accurate status of my obligation ; XXXX amount owed to Paypal credit and XXXX amount owed to XXXX XXXX
- {$700.00} USD XX/XX/XXXX  XXXX Regards , XXXX XXXX Cc : PAYPAL XXXX XXXX XXXX, MD XXXX ( Paypal has closed there side of the case and charged me the full price for items I do n't have. I Sent the letter below to both the shipper and Paypal with exhibits from XXXX website showing the items were returned. Paypal still will not credit me the purchase amount. I need some intervention. I have tried to respond within Paypal system, but the system always state there was an error one the respond button was selected. I sent the letter via certified mail return receipt. I received the green card back without signature? I am asking for a full investigation into the dispute process of Paypal. I should have received a refund within 30 days, that did n't happen ).

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MA).
Issue: Loan modification,collection,foreclosure

Complaint: We had trouble paying our mortgage after our trial modification because of problems with getting paid through the commonwealth of Massachusetts. The my father got very sick and has since passed away do I could n't not work. So we applied for the making homes affordable tier XXXX. Of course ocwen is dragging their feet and have put us into foreclosure. They keep requesting new paperwork. We received a bill stating that if we paid the {$15000.00} in back payments we could be reinstated. We can do this when we get my fathers life insurance but that takes a month. Now we have real estate agents calling us constantly and putting our house up on a website for foreclosure ls. All of this is happening while trying to morn my fathers recent passing.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have recently disputed my dismissed bk from XXXX and they 've deleted it! But it 's still being reported by these two CB ( TransunionXXXX ) ... Attached to this is proof that this was deleted as of XXXX XXXX 2017. Please follow suit and delete this for accurate reporting. It must be deleted in order to show my true credit history.

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 09/24/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Using a debit or ATM card

Complaint: Without my prior knowledge or authorization, somehow XXXX obtained my new debit card number after my previous card was cancelled for fraud. Not sure if it was my bank or XXXX who passed my information on, however I have never knowingly consented to such a practice. My bank informed me that the only way a merchant should be receiving this information is through me. However, somewhere down the line my information was passed on and I would consider it fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Debt collection (Medical) with N.A.R., Inc. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: North American Recovery has not sent validation of the debt after repeated requests. Additionally, they are not licensed in the state of Colorado, which is a violation of Colorado 's Fair Debt Collections Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (GA).
Issue: Struggling to pay mortgage

Complaint: I had a Home Loan with XXXX XXXX XXXX, XXXX ( XXXX ) for a home located at XXXX XXXX XXXX, XXXX, GA XXXX. I notified XXXX that we would be moving in XXXX of this year ( XXXX ), which we did, and asked XXXX to consider a Deed in Lieu of Foreclosure. XXXX claims to have contacted XXXX XXXX XXXX to obtain a Title Release on a Lien that was on the Property, that has been done away with/Avoided and excused in the Bankruptcy Approved Filing ( Attached ). At any rate the remaining amount left on the Loan was {$87000.00}. XXXX had the property appraised at XXXX XXXX, which was less than the Fair Market Value, and would pay me the difference. 
XXXX has dragged its feet for almost one year instead of foreclosing on the property, neither has XXXX provided me with proof from XXXX XXXX XXXX that is a Valid Lien, because they can not. 
Now, XXXX Sells the Mortgage to Select Portfolio Servicing , Inc., XXXX. XXXX  XXXX, XXXX XXXX XXXX, Utah XXXX, and they start sending me letters & Mortgage Statements ( Last One Dated XX/XX/XXXX ) for that property that I do not own, which was Approved By a XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Case Number : XXXX. Today, I get another letter dated XX/XX/XXXX, from XXXX XXXX XXXX XXXX by XXXX XXXX XXXX XXXX, XXXX, stating that they own the Mortgage, in any case, this is not my problem, that property was returned back to XXXX in XX/XX/XXXX, and XXXX changed the locks and took possession of its property. What is being done by XXXX, Select Portfolio and XXXX XXXX XXXX is pure outright harrassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There are several inquiries on my Equifax report that I do not recognize. I contacted Equifax directly and spoke to a rep named  XXXX  who advised me to file a complaint and once it was received by Equifax my inquiries would be deleted. The inquiries are as follows :   XXXX   XXXX  .  XXXX / XXXX / XXXX   XXXX   XXXX   XXXX   XXXX / XXXX / XXXX   XXXX   XXXX .  XXXX / XXXX / XXXX    XXXX   XXXX    XXXX / XXXX / XXXX   XXXX   XXXX / XXXX / XXXX    XXXX   XXXX  t  XXXX / XXXX / XXXX  &  XXXX / XXXX / XXXX    XXXX   XXXX   XXXX  .  XXXX / XXXX / XXXX    XXXX   XXXX    XXXX / XXXX / XXXX  &  XXXX  Please remove these inquires immediately

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: I had a XXXX XXXX Costco card which I had set up on automatic bill pay and rarely used. Recently, I noticed my credit score had dropped significantly and saw that it was for a Citi account which I had never opened. I contacted Citi asking what the account was connected to and they told me that my XXXX XXXX account was transferred to them and my auto pay did not transfer creating multiple late payments and severely damaging my credit score. I had recently moved so Citi may not have properly forwarded the information to me but when speaking with them they said the would not remove the late payments from my credit report because it was not the banks error. I am extremely dismayed that a company is able to have such business practices and additionally angry at Costco for letting this happen to their customers.

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 05/18/2017 about Debt collection (Other debt) with HCFS Health Care Financial Services, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: ARS Account Resolution does not have a bond in Texas and can not legally collect a debt. They are violating the law and are completely disregarding the Fair Debt Collection Practices Act. This is my second complaint regarding this matter.      ARS  claimed to be a part of  XXXX   XXXX   XXXX   XXXX   XXXX , although the Texa s Secretary  of State does not have this information on file, which means that this company is using dishonesty as a scare tactic.     Engaging in debt collection without filing a bond with the secretary of state is a violation of Chapte r 392 and may also be a criminal offense. Tex. Fin. Code 392.402.      I am in the process of filing a complaint with the BBB and the FTC for ARS Account Resolution 's BLATANT criminal behavior and underhanded attempts to try and break the law.    ARS is not LEGALLY able to collect any debt in TEXAS as ARS does NOT have a surety b ond, SO THIS ACCOUNT NEEDS TO BE REMOVED IMMEDIATELY or I will have to move forward with legal matters for  ARS 's failure to validate the debt, attempt at illegally collecting debt, and violation of HIPPA  laws.

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