milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have evidence that an imposter stole my social security number. They have made several attempts to have duplicate credit cards belonging to myself sent to a fraudulent address. Therefore stealing my identity. I have reason to believe they may have obtained a copy of my credit report. The fraudulent address appearing on my TransUnion credit report is : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. Please respond.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/15/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Trouble during payment process

Complaint: My account number with Nationstar Mortgage is XXXX. Their website states=== ===== CONGRATULATIONS< YOUR LOAN IS PAID IN FULL. Under that statement it says===="we will=====process the release of your lien".  I have contacted Nationstar several times, inquiring about the release of the lien.I was then referred to their subsidiary XXXX as they handle lien releases.Agent of XXXX, XXXX was unaware my situation and she did not see anything in the system that indicated the lien was to be released and she said she will investigate.Contacted Nationstar again today and spoke with XXXX.She said she will send an email to the department that handles liens.My impression is that I am getting a run around and that the Lender is not acting in good faith.I want the lien released

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Debt collection (Payday loan debt) with SUN LOAN COMPANY INC. (OK).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: According to  Sun Loan  in  XXXX  Oklahoma  I took a  loan out in  XXXX    XXXX  . During this time I lived in  XXXX  Oklahoma. I did not have a vehicle at that time also. When I asked the company to let me see the paperwork the  manager  at that location told me that they could not find the paperwork. I have also disputed this on my credit report and it still has not been 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 12-10-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Dept is paid off directly to collection agency. I need assistance notifying credit bureaus and original debt owners. 
And also XXXX duplicated collection accounts on my credit bureau file.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (NC).
Issue: Fraud or scam

Complaint: I was looking for a furnished apartment in XXXX to rent for summer. We are a military family and are being moved to XXXX so we wanted to spend summer in our hometown - XXXX XXXX, XXXX. I saw a furnished apt through XXXX and contacted the owner. He said he would rent me the apartment through an agency ( XXXX XXXX XXXX - using the XXXX logo ). He asked me to wire 1 month rent and 1 month deposit for a total of {$1300.00} plus {$100.00} to wire the money for a total of {$1400.00}. Since the transaction, I have not had any kind of answer from him or the supposed XXXX agency. I believe this is a scam I called Western Union but was told they could do nothing because the money had already been transferred and taken in XXXX, XXXX on XXXX/XXXX/2015. 
Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: I discovered that a USAA account was opened in my name. I do not do business with USAA nor have I ever. I am not even in the military or related to anyone that is. I am a victim of identity theft. This is not the first account that was fraudulently opened in my name without my consent or knowledge. I have attached documentation. I have filed a police report with the XXXX XXXX XXXX. The report ID is : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Skagit Bonded Collectors, LLC (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: collection agency did n't identify them self as a collection agency says they are only required to say mini miranda it once and that they did it on a letter they sent informed them that is wrong fdcpa clearly states that it is on every contact they sent me a validation letter we requested and it was XXXX more than what I owed part of it was 2 months that landlord could n't rent apartment yet apartment was rented 30 days after I moved out can get proof if needed they are overly aggressive and refuse to adhere to fedral law I can not and will not do business with a company that thinks they are above the law

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Consumer Loan (Installment loan) with BlueChip Financial (OH).
Issue: Managing the loan or lease

Complaint: Hi, I took out a loan at spot loan for {$300.00} and I now owe them over {$800.00} ( interest rate ) I was in a financial hardship with my son being sick and needing bills paid. My due date for payment is coming up on XXXX XXXX 2015.. I have recently lost my job. What can I do pls help!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XX/XX/2017 sent a dispute letter to the 3 credit bureaus asking to verify this collection not known for me and never receive any comunication attempting to collect any amount from XXXX XXXX.

After few weeks receive by regular mail a letter with a check mark indicating the debt is mine and a statement of XXXX  dollars for a cell phone account.

I ask the credit bureaus to validate this information and Convergent fail to reply straight to the bureuas with original contract with my signature on as lroof of any debt with a cell company or any proof to owe any money to XXXX XXXX.

They never contact me or provide physical evidence of any debt related to phone company or XXXX XXXX.

Attached is a file they are indicating a debt without right validation.

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 02-03-2017 about Credit reporting () with Rent Recover, LLC (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I got so many things in collection that does not belong to me.

Company response to consumer: Untimely response
Consumer complaint received 09/21/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX, WRITTEN LETTER STATING THEY WILL REMOVE THE INQUIRY WHEN EXPERIAN IS DISPUTED. I HAVE DISPUTED ALREADY, EXPERIAN REFUSES!!! ( SEE ATTACHED LETTER )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with Synovus Bank (TX).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was shocked when reviewing my credit report and found two late payments on the date below : 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (MD).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint: This debt was first incurred in XXXX 2013. I refused to pay the creditor rent in the form of cash because of lease and data breach. The conflict started when I transitioned to the property who in turn denied my form of payment was accepted at their company. I was a section XXXX tenant. I was told after section XXXX not only inspected the unit, but began sending payments to XXXX after the rental agent accepted my voucher in order to recieve those abatements on my behalf from the housing choice voucher program in XXXX, Florida. I discovered They illegally shared and sold my information to debt collectors ( whereabouts and known income source ) and were caught a part of an illegal debt collection ring. Because of them I was sued for criminal theft by a bill collector for a unpaid credit card bill XXXX XXXX court but the charge was dropped because the judge deemed it bogus and missappropriated. The lease was then breached by the collector XXXX XXXX XXXX who turned down any further payments in the form of section XXXX abatements from XXXX. and blamed the XXXX XXXX that XXXX XXXX XXXX was owned by and they then demanded another form of payment from me immediately after and then they demanded to me turn the property over unless i pay the full amount of rent on the balance. 

So this debt was incurred for the following consumer related issues : *Data Breach *Illegal Debt Collection Practices *Breach of Lease All resulting in public records & court libel, harrassment, loss of assets and property and other incurred debt, expenses, loss of time and psychological damages. 

I feel that after this experience that XXXX should dismiss this action for collection based on the true facts. Their rental agent signed into a lease agreement accepting section XXXX from XXXX XXXX XXXX and then the manager turned down the form of payment after. XXXX did NOT get paid because they did NOT accept my " form of payment '' ... ... After mind you entering into a XXXX party contract that clearly states section XXXX pays this portion ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Debt collection (I do not know) with Focus Holding Company (AR).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Focus Recievables Management calls my home multiple times a day. When I answer, it is just a recording asking me to call back. I do not owe any debts to any company, so I attempted to call back 4 separate times to ask them to stop calling me. Each time, the line says all representative are busy. Yet, the company calls me nonstop.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (IN).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I have the Citi Simplicity card. Citi decreased my credit limit by a little more than {$1300.00} on XX/XX/XXXX. I called and explained that I have 3 cards with them, and that I have never missed a payment, nor have I ever been late on a payment to them for any of my cards. They said they could not help me. On XX/XX/XXXX, I was notified that they decreased my credit limit on my Citi Double Cash card by a little more than {$1500.00}. 

The reason my credit score has been decreased to XXXX by one reporting agency and XXXX by another reporting agency is because I had to use my cards for business equipment so my it shows that I have used approx 53 % of my credit. By reducing my credit limits, Citi has now made my credit worse because I now show that I am at 56 % use of my credit. 

I have done nothing wrong. I have made all of my payments. I am being penalized for no reason.

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 03/31/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NY).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: On XX/XX/2018 I bought a mattress for {$600.00} from XXXX XXXX in XXXX XXXX ( XXXX XXXX XXXX XXXX, NY XXXX  ). It was sold by XXXX and her Manager XXXX.

I was offered to have the mattress financed over 12 months at 0 % interest, which I accepted. I was not given more details and was led to believe I was just enrolling in the financing.

Today, XX/XX/XXXX, I opened mail, and received a credit card I NEVER APPLIED FOR. The issuing bank is XXXX XXXX ( XXXX XXXX XXXX XXXX, FL XXXX ) ( XXXX ). I called the bank to inform them that I never signed up the credit card and to ask which other products they had issued under my name without my permission. They are unable to tell me how many products I have.

When I asked why the issued me a credit card, they said it was XXXX XXXX XXXX fault for not informing me of the deal terms. I then asked to have proof of my signature allowing the issuing bank to create a credit card for me. They placed me on hold and said they will mail it to me within 40 days. 40 days. 40.

I am trying to avoid this affect my credit score and to have it canceled. I would also like to know how many products they issued under my name.

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 06-10-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Problems caused by my funds being low

Complaint: My wife and I believe that we are victims of unfair and deceptive banking practices. We now have documented proof that Chase Bank has been issuing pending ATM credits into our bank accounts which makes our balances appear larger than what they really are. Then, Chase Bank will takes the credit away causing our accounts to overdraft. This practice has been going on for several years and has resulted in us paying over {$10000.00} in overdraft fees. The center of our frustration comes from the fact that when we call to inquire about the ATM credits, the bank has no record of the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Other financial service (Traveler’s/Cashier’s checks) with CITIBANK, N.A. (MA).
Issue: Fraud or scam

Complaint: BackGround : I provided a real estate agent with XXXX cashier 's checks to help my son move into an apartment. Both checks were made payable to the apartment management company. The agent rented the apartment to someone else. I made an inquiry to my bank about the checks and they told me they had been paid. 
I contacted the apartment management company to ask them about the situation. They knew the agent, but had no knowledge of the checks and never received the funds. The bank was able to obtain copies of the checks and from them they determined the checks had been negotiated in a Citibank branch without having been endorsed on the back. 
I wanted to find out who had received the funds so I initiated a fraud inquiry through my bank. The apartment management company, the " Payee '', returned a notarized affidavit to the bank, which, in turn, contacted Citibank to ascertain who negotiated the checks, and into what account the funds were deposited. 

Issue : Citibank refuses to respond to the Fraud Inquiry from my bank.

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 01-05-2016 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Billing disputes

Complaint: We paid a closed Home Depot credit card instead of our active Home Depot card. Citibank took the payment but never applied to the correct account. They then got a judgment against us with the incorrect balance and we never ever aware of the judgment being served in 2011. And now Citibank has a debt collecting attorney trying to apply a wage execution based on a false balance judgment. This is absolutely awful behavior or Citibank and we need CFPB to contact them so their debt collectors XXXX XXXX XXXX XXXX stop the application for wage execution.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Struggling to pay mortgage

Complaint: Contacted Nationstar. Also contacted XXXX about modification documents never filed with county and transferred to Nationstar

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have several items on my credit reports that have been disputed with XXXX, Equifax, and XXXX. I have been ignored on some disputes, and sent generic non-personable responses on others.The FCRA ( section 611 ) requires that credit bureaus provide me with the method of verification upon request from the consumer, and within 15 days of request.I am aware that the XXXX credit bureaus typically handle disputes internally by using 3rd party software such as XXXX, and rarely contact the original creditor directly. I am concerned about the validity and accuracy of your recent investigation of disputed info that is reporting on my credit report. I requested an investigation because I felt the items were not being reported legally. I have since received a letter stating that your investigation was complete.Please explain to me how you conducted your investigation regarding the following accounts : 1.XXXX County Magistrate- ( XXXX docket # 's XXXX ) 2. XXXX- XXXX 3.XXXX XXXX- # XXXX ( sent you a request to delete and you have not deleted ) 4.XXXX- # XXXX 5.XXXX- ( # 's XXXX inserted XXXX with XXXX different amounts,XXXX ) 6.XXXX- # XXXX 7.XXXX- # XXXX 8.XXXX- # XXXX 9.XXXX- XXXX XXXX 10. XXXX XXXX XXXX XXXX # XXXX 11. XXXX XXXX XXXX ) XXXX- # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Mortgage (FHA mortgage) with DAS ACQUISITION COMPANY, LLC (GA).
Issue: Application, originator, mortgage broker

Complaint: My mortgage broker submitted my application for a loan I would not qualify for, even after being provided full disclosure of my situation. Broker was not aware of mortgage rules and as a result submitted my application for a loan type I would not qualify for, and then did not advise me in a timely manner prior to the financing contingency deadline that underwriting had found issues with the application. As a result, I lost {$1500.00} earnest money. Mortgage broker refused to take responsibility for lack of timely communication, and not understanding the mortgage rules.

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
Consumer complaint received 04-10-2017 about Bank account or service (Checking account) with BB&T CORPORATION (FL).
Issue: Using a debit or ATM card

Complaint: THIS IS A COMPLAINT AGAINST THE BB & T BANK, BECAUSE I DID NOT RECEIVE THE CORRECT HELP WHEN I MAKE THE REQUEST VIA TELEPHONE CONTACT WHEN I MAKE THE CLAIM THAT IN MY BANK ACCOUNT I HAVE GIVEN MONEY SINCE XX/XX/XXXX DO UNTIL TODAY, EXPLAIN THAT I WAS TRAVEL AND THAT WHEN I RETURN, MY SURPRISE IS THERE WAS NO DOLLAR IN MY ACCOUNT. YOUR ANSWER IS GO TO THE BANK AND MAKE YOUR CLAIM XXXX, THAT WAY SO XXXX AND EVIL TASTE, DESCRIMINATIVE. THIS BANK HAS POLICIES THAT ARE NOT GOOD FOR ITS CUSTOMERS, AS THAT WILL SAY THAT IT CAN NOT TAKE MY CLAIM BY TELEPHONE BECAUSE IT HAS TO BE IN PERSON, THAT PASSES YOU, LACK OF RESPECT, THAT XX/XX/XXXX SAY THAT EVERYTHING IS LIE, I AM VICTIM OF ROBO AND SHE SENDS ME TO DO ALL THIS PROCEDURE? NO BANK IN THIS COUNTRY DOES THAT, EVERYONE TAKES ITS CLAIMS BY PHONE. THAT KNOWS IT IN WHAT STATE I MEET TO HAVE TO GO TO THE BANK. MY QUESTION IS TO THIS BANK? IT IS FOR YOU TO HAVE A DEPARTMENT OF FRAUD AND CLAIMS IF YOU DO NOT DO ANYTHING BY TELEPHONE ARE IT DOES NOT WORK.

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 02-01-2017 about Bank account or service (Checking account) with U.S. BANCORP (IL).
Issue: Problems caused by my funds being low

Complaint: U.S. Bank has consistently charged overdraft fees to my account when there was in fact money in the account. On the most recent occurrence on XX/XX/2017, the account was never negative. They indicated that they charged an overdraft fee because there was a pending charge that could have put the account in a negative state if it cleared before the check in question.

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 12/13/2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (MI).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I received a notice from my employer that I will be garnished the next pay cycle by MCR receivables  Corporation represented by attorney XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX mi XXXX. The writ for garnishment was furnished by my employer on XXXX/XXXX/XXXX and my paycheck was garnished on XXXX/XXXX/XXXX. I never received a notice from the company and I do not know what the debt is for and was never given the opportunity to confirm the debt belong to me. It shows on the writ that the collection agency sent the original judgment to an old address that I have n't lived at in 10 years. 

The writ states : Plantiff received judgment against defendant for XXXX on XXXX XXXX, XXXX. The amount of unsatisfied judgment is XXXX. 

It does not state on the writ what company is demanding payment. At this stage I am being garnished for a debt that I know nothing about. 
To date the following amounts have been garnished from my paycheck : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Credit card () with JPMORGAN CHASE & CO. (CT).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have notified Chase in 2014 making them aware that an account was fraudulent and submitted the fraud form to them- they closed the account but is yet to remove it from my credit report upon multiple requests and I am now being denied mortgages due to Chase XXXX incompetence. I have filed a police report, FCC Complaint and they will not remove due to an alleged application they have from me. I told them I have never signed an application and I can not get them to remove the account.

Company response to consumer: Closed with explanation