milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I allowed my son 's girlfriend to use my social number to get her vehicle fixed. She got a loan from  XXXX   XXXX  and took out a loan for  XXXX  and said she would pay it back.   XXXX   XXXX   will not give me any paper work on this account and they said they are a paperless company and will not send out paper work, I have no paper on this loan. Do not know what was done to her vehicle or what the amount of the repair cost.

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 Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (NM).
Issue: Account opening, closing, or management

Complaint: I received the attached document from Wells Fargo and know that I have no outstanding debt with Wells Fargo.

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 03/21/2016 about Credit card () with JPMORGAN CHASE & CO. (DC).
Issue: Customer service / Customer relations

Complaint: I have a Chase credit card. They sent me a letter stating they were going to close the account due to inactivity ( fair enough ) and that my only way of avoiding deactivation was to call their customer help number during set hours. Even buying something with the card would not avoid deactivation - I had to call their number. 

Unfortunately, their customer phone number had an extremely long wait. I gave up after 25 minutes because I had to get back to work. When I signed onto my account online, there was no live chat option or even a way to email them expressing that I wanted to keep this account open. 

This is a minor problem, but still I think worth the CFPB 's attention. Is it fair for Chase to make people like me wait for 30, 60, 120 minutes in order to keep their credit lines open? Many working people do n't have open-ended time during the workday to wait to get Chase on the phone. Closing these accounts negatively affects credit scores - and consumers like me want to keep them open. I can see why Chase has a financial interest in closing out these accounts and are making it difficult for customers to exercise their ability to keep these accounts open.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Mortgage (Conventional home mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (GA).
Issue: Struggling to pay mortgage

Complaint: This is continously happening as we further conduct research in regards, to our properties. Our home located at XXXX XXXX XXXX, XXXX Georgia XXXX was purchased in XX/XX/XXXX. The orginial lender was XXXX XXXX which funded the original purchase amount located in the attached documents. The mortgage was later sold to XXXX. We understood the home had an ARM, however the payments were increasing astronmomically. I questioned the mortgage company in regard to this situation, but did not receive a sensible response. Approximately, 3 weeks ago a Realist Report was pulled only to find someone refinanced our property. We have NEVER refinanced any of our properties. Please investigate asap. We are finding others were taking advantage of our good credit ratings and committing mortgage fraud. The company which supposely refinanced our who by SOMEONE, is unknown to us. The house was refinanced in XX/XX/XXXX??? How can this be happening. This is crazy and if we had not researched we would have never caught it. Documents are uploaded. 
The load was sold to Carrington from XXXX. Carrington is in currently holding a fraudlent loan and we WILL not be responsible for it. Also, a REINSTATEMENT for a loan we never took out in XX/XX/XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have asked equifax, XXXX and XXXX to remove inaccurate address and phone number for my credit. I was told by all XXXX that they will be remove the information but they still showing up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Consumer Loan (Title loan) with Select Management Resources, LLC (OH).
Issue: Can't contact lender

Complaint: loan max of XXXX ohio has been told not to contact me at work ( DNC ) per my manager per myself. They have called me at work twice now after the DNC was requested and to my knowledge its against the law.

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 06/29/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (DC).
Issue: Identity theft / Fraud / Embezzlement

Complaint: While away last week, I received a letter from Capital One thanking me for applying for a credit card and saying that the credit freeze prevented action on the application.  I did not apply for a Capital One card at any time.  (This is why I have credit freezes.)  Although there was only a mailing address on the refusal notice, written advertising materials included a number to call (XXXX).   A call to that number was answered with a menu option. There was no option to request an agent, even though I asked repeatedly. When I tried to call back several times, I got only a "number not in service" message. After about XXXX minutes, I called the back, used a different menu option (new card) to get a live agent. When I asked for the fraud department, agent XXXX (sp?) put me on hold, then said XXXX would talk with me.  However, the call then disconnected.    When I call back later, I got only the  a message that the "office is closed until XXXX tomorrow."  I then went to website for reporting Capital One fraud and called that number.  A woman with heavy XXXX accent answered and said they could not investigate without having my SSN.  When I refused to give that, she then consulted with someone else and came back saying I would need to submit copies of my credit reports in order to have an investigation.  This seemed fishy to me since there was no way to verify that it was a legitimate site.  I disconnected, telling her that I would be reporting the incident to the authorities.  On the call to reach a live agent, I did have to give my name and address in order to reach an agent but gave only this public information.
In the same week, I received a similar message from XXXX and this morning had a phone message about the application with instructions to call XXXX.  I did have to give name and address to them; they did not request any other information and said they would send letter confirming the cancellation.  Now I have concern about that one as well, though credit freeze should block any action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-06-2018 about Vehicle loan or lease (Loan) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint: USAA owes me {$290.00} for overpayment on my car loan. They sent a check last year without notice and it expired. For 5 weeks now, Ive called in an attempt to collect my money. For 3 weeks in a row they told me the check was sent out and it hasnt been. I need my money now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Rewards

Complaint: I earned around XXXX travel rewards points by using XXXX card for purchases. XXXX is telling me that all those points expired 90 Days after their breakup with Costco. Those points were earned an I do n't think XXXX should be able to forfeit this with such a short time frame and without Noticing its point holders

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 12/17/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I began receiving phone calls from portfolio recoveries concerning a XXXX credit card in the amount of {$1200.00} approximately the statement or Bill that was provided to me from this company for XXXX XXXX was for an individual with the name of XXXX middle initial XXXX and last name XXXX with an address in XXXX or XXXX XXXX I am a XXXX resident and have always been a XXXX resident as a child I lived in XXXX but as an adult I 've always lived in XXXX and employed in XXXX I 've never ever visited XXXX and I do not know anyone in XXXX and they are trying to collect a debt from me but someone else 's name and address my middle initial is XXXX.. I currently have XXXX credit accts with XXXX which are in good standing at this time I have no previous accounts that were unpaid with XXXX again my name is XXXX middle initial XXXX last name XXXX and my home address is XXXX XXXX XXXX XXXX and I 've been a resident here for approximately 20 years

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-05-2017 about Debt collection (Medical) with R.M. Galicia, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: On XX/XX/2016, I disputed the alleged debt within the XXXX period. When I received their letter on XX/XX/2016, I asked for detailed documentation in the attached letter labeled " CFPB-PMS2 ''. 

I did not receive a reply nor did I receive any documentation I asked in my letter. Instead, they blatantly violated FDPCA, FCRA and despite my admonition, falsely reported against both of our credit files with the XXXX bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2016 about Debt collection (I do not know) with The CBE Group, Inc. (VA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I had informed CBE with each call that the person who they were calling was not at that number but they failed to update their records. The calls were approximately once a week and very disruptive. Their auto-dialing tactics should be prevented from these harassing phone calls when they have incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2016 about Mortgage (Conventional fixed mortgage) with IMPAC MORTGAGE HOLDINGS, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Just discovered that we have been misled and lied to by Impac mortgage/Funding group who is the investor of our mortgage serviced by XXXX XXXX XXXX. Just yesterday I spoke with XXXX XXXX XXXX who assured me that the denial of the loan modification was actually made by Impac and not XXXX XXXX XXXX. Since XXXX 2016, I have been in contact with Impac Funding group and each time we were told and reassured that XXXX XXXX XXXX is the problem., by failing to send them a packet for Impac 's review Someone is not being truthful. We need this investigated because there has so many violations by both Imapc and XXXX XXXX XXXX. Impac carries the note and should be able to override XXXX XXXX XXXX but they have refused to do so. We have been charged an interest only loan which is illegal which will reset twice in six months. It was reset in XXXX 2016 and our payment increased {$1000.00}. from {$2900.00} to {$3900.00}. In XXXX the payment will be {$5800.00} which we can not afford. All interest only which is an illegal product.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have paid off my XXXX balance. 
However, it is showing on my credit report as late. I can verify with bank statements that balance is paid off at fall 2015.

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 04-11-2017 about Debt collection (I do not know) with Financial Credit Network Inc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I am an ongoing victim of I 'd theft and many different home addresses have been used to apply for credit and utilities. This outfit refuses to send proof of the debt along with the original file and my signature. If it is valid I would have no issue paying it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Consumer Loan (Vehicle loan) with SUNTRUST BANKS, INC. (FL).
Issue: Managing the loan or lease

Complaint: I have paid this account in full and satisfied my obligations. I would like this Negative Account removed from my Credit Report. I Paid this loan off in a timely manner I was never late. I should have never been given a predatory loan like this XXXX with 10.5 % interest. I took the loan and paid it off in full and NOW it is negative on my Credit!

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 09/18/2017 about Debt collection (Credit card debt) with Retrieval-Masters Creditors Bureau, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid XXXX XXXX off some time ago and people keep contacting me to pay it again this time it is a new debt collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (VA).
Issue: Trouble during payment process

Complaint: I submitted a complaint prior to the practice o f Ditech and received nothing to say if a case was submitted. Ditech  has been conducting unfair collection practices on a loan that has never been in default. Until   XX/XX/XXXX   Ditech was receiving payments eve ry 14 d ays and not applying payments to principle or payments- they allege that the payment  sent ( whic h was {$500.00} every  14 days ) was a partial payment and that their policy is to hold partial payments until full payments are received to apply. They never did that. They were called every 2 w eeks from   XX/XX/XXXX  to  XX/XX/XXXX     when payments were not being applied correctly causing late fees to be assessed. After involving the IRS and   XXXX   XXXX   they reallocated the funds from the start of the loan. On  XX/XX/XXXX , I  spoke with a director and a representative from loan processing and told my loan was prepaid until   XX/XX/XXXX   However, when the re- allocation was done, it was done incorrectly causing the loan to go in default. This prompted a visit from a  Ditech  representative leaving notice on my door on   XX/XX/XXXX     and to receive to collection notices on the  XX/XX/XXXX   and  XX/XX/XXXX - I  urge you to refer to recent compliant filed on  XX/XX/XXXX   -  XXXX . As of recent, my mortgage insurance company contacted me to make me aware of c hanges made to my coverage. They sates and supplied that mortgagee now reflects Ditech Financial LLC, its affiliate, and or Assigns. An ainquiry was immediately sent to Ditech because in    XX/XX/XXXX     Ditech sent a privacy letter stating that my social security number could be shared  with any of their affiliates. I immediately served a cease and desist of disclosing any of my personal information only to   XXXX   XXXX   the owner of the loan and no one else.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Please see attached letter, file named : " XXXX XXXX Complaint Letter Against Ocwen Being Filed With XXXX 2016 XXXX XXXX, XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Debt collection (Credit card) with CITIBANK, N.A. (UT).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I believe I am late on a payment with Home Depot - handled through Citi. So, about 35 days delinquent. I was called twice yesterday ( XXXX/XXXX/2015 ) and today ( XXXX/XXXX/2015 ) already 4 times on my mobile ( XXXX XXXX ) Call from ( XXXX ) XXXX XXXXCall from ( XXXX ) XXXX XXXXCall from ( XXXX ) XXXX XXXXCall from ( XXXX ) XXXX XXXXThis is excessive and abusive to call so much in one day. not once was a message left. i did not give them permission to call my mobile number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/25/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (MS).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They called repeated times after I disputed and asked for itemized statement of my XXXX account I had to block the number they then began to change number they called from in attempt to pass my block and I never got my itemized statement.

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 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I received  XXXX  inquiries on my credit report from  XXXX   XXXX  for  XXXX / XXXX / 17 ,  XXXX / XXXX / 17  and  XXXX / XXXX / 17 . I called  XXXX  today to discuss and the supervisor said that they were only aware of  XXXX  inquiry dated  XXXX / XXXX /   17  and asked me if I recently requested a credit line increase and I told them no. He suggested that I dispute the inquiries and that should solve the problem.

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 10/22/2015 about Credit card () with CITIBANK, N.A. (NV).
Issue: Other

Complaint: citi in their respone alleged there were XXXX citi accounts ... 

i did not have XXXX accountsplease provide any proof of fully executed contracts or agreements regarding your remarks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NY).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I had been trying to applied for a citi bank credit card since last year, on Sunday XXXX XXXX XXXX I tried to applied for a credit card over the phone. And still got denied. I truly do n't understand why because I have an excellent credit score history. I called once to Citibank and all they told me was that I had too many credit card accounts open. Which is not true. I think their policy and procedures of getting a credit card with citi bank is horrible. I would like to get a more depth explanation of why I had been denied multiple times in getting a credit card? I will appreciated it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Bank account or service (Savings account) with CITIBANK, N.A. (PA).
Issue: Account opening, closing, or management

Complaint: I am a Citibank customer and I had signed up for an offer to transfer a certain amount of money ( that is new to bank ) between XXXX XXXX 2016 and XXXX XXXX 2016 and maintain that balance through 3 statement periods after that ( XXXX XXXX 2016 in my case ). The offer was that Citibank would pay bonus interest of certain dollars to my account if I satisfied all the criteria ( within 90 days of end of statement period when I qualified for the offer ) - so they had time until end of XXXX 2016 statement period to pay me the promotional interest. 

I received confirmation from Citibank that I have satisfied all the requirements and was eligible for the bonus. But in spite of repeated follow-ups, I keep getting a response that they are investigating as to why I did not get the bonus - but no action has been taken.

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 07-06-2016 about Credit card () with SYNCHRONY FINANCIAL (AR).
Issue: APR or interest rate

Complaint: I opened a Care Credit account. I was told that no interest would be charged on promotional purchases. In XXXX this year, I was charged over {$1100.00} in interest. I requested that the interest be removed and Care Credit refused to do so. I was told that since I did n't pay all of the promotional purchase off in time, all of the interest for the entire purchase amount was charged to my account, over {$1100.00}. I was told these purchases would be interest free. This was not true. I have paid a total of over {$4500.00} on my account, and I can not see where my payments are going. My balance is nearly {$7000.00}. I was told that the payments were credited toward " non promotional '' purchases. This is a scam! See statement below.

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 04/26/2017 about Debt collection (Medical debt) with Medical Business Bureau (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: : I have medical Insurance and they refused to take down information. Please advise to charge :   XXXX   XXXX   XXXX   XXXX   XXXX   Member ID   XXXX   XXXX   Member   XXXX  Provider  XXXX  9091 Dental   XXXX   Pharm/Hosp   XXXX

Company response to consumer: Closed with explanation