milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Penn Credit Corporation (VA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: A XXXX representative told me that they would delete this account from my credit profile ( specifically told me that almost word for word ) if I made the payment. I made the payment while in collections, and the account is still showing on my credit report through Penn Credit. XXXX needs to uphold their word and have their collection company remove this account from my credit profile. This is a bait and switch scenario.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Bank account or service (Checking account) with KEYCORP (NY).
Issue: Account opening, closing, or management

Complaint: Within two weeks I have heard from KeyBank with so many issues for my accounts. First, I received a letter that an account was opened in my name and called to inquire. She stated that it was closed the same day the letter says it was opened. Then I get a call from the fraud department that an online banking account was made and bills were paid, she inactivated the account but a week later I get mail welcoming me to online banking and reminding me of the offers that were presented when I set up the account. Today I received a letter stating that I have an account with a XXXX balance and so they are closing it and reporting it to the credit bureau. Not an account number I even have or know of!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/24/2017 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (VT).
Issue: Problems caused by my funds being low

Complaint: My bank overdrafted my account by taking out a {$35.00} overdraft fee before taking the charges out therefore I was over 2x which started a snowball of overdraft fees and issues. They then charged me overdraft charges for my overdraft charges, thus charging me 2x for XXXX overdraft. The put a check thru my account, overdrafted my account, bounced the same check and charged me a returned check fee 2 days in a row for the same check. The continue to charge me overdraft fees and sustained overdraft charges. They are now threatening to close my account and denying my automatic charges when the account is current.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
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 I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2016 and XXXX 2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: i have submitted to Experian documentations that supports my complaint of fals and inaccurate information being reported by their agency. I have submitted bank statements reflecting correct payments amount being paid to XXXX on this account and a copy of sales contract when credit was established reflecting a {$730.00} down payment. Experian has failed to acknowledge the correct payments being made and the beginning balance in lieu of the false information that they are reporting without any evidence to support their erroneous information. My monthly payment s of {$170.00} are being shown as {$120.00} and the beginning balance as {$3900.00}

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 01/31/2016 about Mortgage (FHA mortgage) with State Home Mortgage (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I 've been paying my mortgage since the first time i received my first payment letter, but now statehome mortgage has sold my loan and the new mortgage company is saying im 120 days behind. How is this when i have all bank statements confirmation emails etc, showing when ive paid my mortgage in full

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 06/27/2017 about Student loan (Federal student loan servicing) with Student Loan Processing Direct, INC (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I attended XXXX XXXX XXXX XXXX in ( XX/XX/XXXX - XX/XX/XXXX) to better my life and further my education, they told me that once I finish the program I would be able to go to another College, Career Center, or University with the diploma, GPA, and credits, and ; they would place us into a work place that is in the same field. I attended the school and finished the program with flying colors, and a high GPA. Once I finished school I started looking for work which I couldnt obtain because I didnt have the credentials for entry level, when I called XXXX offices they said they would find me work and a College or University to attend, months went by and they never found anything for me. So I took it upon myself to look around for more schools I could further my education with, so I called several Schools including XXXX College, XXXX, XXXX XXXX, XXXX XXXX, XXXX University, and XXXX XXXX, and ; they told me that, the diploma I have is worth nothing at all and I basically wasted my time, so I headed back to the campus and when I arrived the building was closed the sign was removed, it was an empty building so I headed to the campus in XXXX, when I got there, the office was so rude and never helped me with my problem, Ive looked around for help and I have found none. I am very disappointed with the whole situation because I have to pay back the money that was stolen from me for school, I shouldnt have to pay for something I got scammed, lied too, and misled. I now get calls from debt collectors and they are harassing me for the money that got stolen from me by XXXX XXXX XXXX in fraud. I did some research and found out that I wasnt the only person it happened too across the nation and that XXXX was under investigation for false information, fraud, etc ... Proof enclosed in the email

Company response to consumer: Untimely response
Consumer complaint received 05/23/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (WA).
Issue: Loan servicing, payments, escrow account

Complaint: I have had a mortgage through Chase Bank for a few years on a propertylocated within a designated flood zone. Each year, Chase sends me a letterrequesting proof of flood insurance that can be submitted XXXX of XXXX ways : mail, fax or online. When I attempt to fax the documents, their fax line doesnot pick up. When I try to submit it online, the site is down or malfunctioning. 
When I mail it, they claim they never received it. My insurance provider hasthe same issues when they try submitting the documentation. Last year, Chase purchased a flood policy on my behalf and charged me anastronomical rate after claiming they never received my submission.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Debt collection (Medical) with BC SERVICES, INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX keeps sending a balance to a collection agency, but insurance already paid it. This has gone on since XX/XX/XXXX. A year later, XX/XX/XXXX, I filed a grievance with our XXXX XXXX XXXX XXXX complaining about this on-going issue ( 2 yrs now ), in which the insurance company wrote back on XX/XX/XXXX stating the collection agency would be notified and all would be handled. However, XX/XX/XXXX we received yet another collection bill for {$520.00}. I called XXXX XXXX XXXX and spoke with XXXX, a representative. She spoke with the collection agency that this matter was already resolved. They instructed her to call XXXX because that 's who 's submitting the information for collection. XXXX spoke with XXXX at XXXX while I was on the line. After " investigating '' everything for almost an hour, XXXX had all the necessary paperwork showing the insurance took care of it so this issue should 've been resolved and that XXXX, my husband XXXX XXXX, should never receive a bill because of the type of coverage we have. XXXX assured us that this was handled. However, in XXXX XXXX we received yet another collection bill for {$250.00} with XXXX of the last transactions from the previous collections statement. On XX/XX/XXXX I spoke with XXXX XXXX XXXX about this issue AGAIN. She investigated, contacted the collections department and XXXX and said that all should be good. I just called the collections agency today, XXXX/XXXX/XXXX, to verify the status and found out they still show a balance {$250.00}. I then called XXXX to find out what was going on in which their system showed we have a XXXX balance. XXXX said they would forward the information to the collection agency and for me to call back tomorrow to verify if all is cleared, but refused to send me anything in writing that this matter is resolved. Meanwhile, my husband ca n't order any needed supplies ( we can order, but they wo n't ship it ) because in the " system '' we 're in collections. My husband has had to XXXX when they 're supposed to be updated regularly. XX/XX/XXXX XXXX with XXXX forced an order of supplies, but now our authorization has expired because of all this aggravating miscommunication between XXXX and their collection agency. I think this is unacceptable and the aggravation my husband and I have had to endure since XX/XX/XXXX because XXXX ca n't get their act together has led to this formal complaint. My husband is a XXXX and should n't have to XXXX, etc. I am hoping an investigation can be conducted in this completely outrageous situation so XXXX will be held accountable for the additional stress this company has put us through for 2 years!!!

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CL HOLDINGS LLC (ME).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Student loan taken out. I 've never been to school

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Debt collection (I do not know) with SYNCHRONY FINANCIAL (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I completed a dispute for an account listed on my credit report as a collection from XXXX XXXX XXXX. Being that I have never done business or signed a contract with them I asked for validation of debt owed in XX/XX/XXXX. I received a letter on XX/XX/XXXX, which is after the allowed 30 day period, that included their " validation of owed debt ''. This letter only states how much was owed at the time. The letter never notified me of my rights under FDCPA and FCRA to dispute any information I deemed as inaccurate.

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 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Global Lending Services LLC (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have unauthorized " INQUIRES '' on my credit report and I wrote to the creditor 's explaining to them that I did not authorize these inquires and that I am a victim of ID theft. The creditor 's never contacted me back and never removed the information from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (KY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have installed a landline in my home and a variety of debt collectors continue to call the number. I have blocked many of them, however they continue to change phone numbers to continue calling. I have attempted to talk to an operator to tell them the person who owns them must have changed phone numbers however the line disconnects each and every time i attempt this.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Consumer Loan (Vehicle loan) with UNITED SERVICES AUTOMOBILE ASSOCIATION (OK).
Issue: Managing the loan or lease

Complaint: I had an auto loan that was disputed after a wreck due to multiple departments of USAA telling me different things. I had asked for GAP when I purchased the car but USAA informed me the box must have been unchecked and since I did not pay for GAP I had to satisfy the balance. This information of not having GAP insurance was not provided to me until months after totaling the vehicle. Until that time I asked if I needed to make a payment or wait for GAP to go into effect. I asked how long it would take and if there was anything else I needed to do, and was told multiple times that GAP can take awhile and the XXXX departments are not allowed to communicate with each other. Once I was informed I did not have GAP the claim went into dispute. USAA and I reached and agreement that once the outstanding balance was paid they would update my credit as my only concern was repairing my credit, because once I found out I did not have GAP my credit was already damaged. Below is part of the email sent on XX/XX/XXXX that outlined the outstanding balance and update to the credit bureau. 

Per your request, I did reach out to the Member Debt Solutions department of USAA Federal Savings Bank. USAA individual from Member Debt Solutions ( name removed ) confirmed that an outstanding balance on the auto loan does remain. She advised that once the outstanding balance is resolved, they will update the credit bureau report. 

This outstanding balance was satisfied on XX/XX/XXXX. A credit report was recently done as I am trying to buy a house. The full balance from USAA still shows as unpaid as of XX/XX/XXXX, I have contacted USAA who could tell me that the balance has been paid, but was unable to comment about why an outstanding balance for the auto loan is still showing up on my credit nearly three months later. I do not understand why this has not been resolved as we agreed.

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 02-09-2018 about Debt collection (Credit card debt) with JPMORGAN CHASE & CO. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: repeated phone calls and calling relatives ...

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I want to report US Bank for illegally foreclosing on my condo by committed fraud on the courts. Included with this complaint is a report from a forensic document examiner who discovered that US Bank and/or associates forged my signature as well as submitting fraudulent document to the courts. After reviewing my evidence file at XXXX XXXX XXXX XXXX XXXX XXXX and consulting with an expert foreclosure attorney, I uncovered several facts that reveal US Bank intentionally committed fraud to take my property away from me. 

Fact 1 : They forged my signature on several documents including the promissory note. 

Fact 2 : US Bank initiated a foreclosure lawsuit in XXXX XXXX, XXXX claiming that they had possession of my original promissory note at the time they filed their lawsuit. This is impossible as the original promissory note was in the possession of XXXX XXXX XXXX record from XXXX and was released to XXXX XXXX XXXX in XXXX XXXX. 

Fact 3 : In XXXX XXXX my mortgage assignment was transferred from XXXX XXXX XXXX XXXX XXXX Mortgage, XXXX four month after US Bank initiated their foreclosure on my property. I do n't understand how US Bank had positioned themselves to continue with their foreclosure when they were n't a legitimate party in this transaction. 

Fact 4 : My initial lender, XXXX XXXX XXXX XXXX, who went out of business in XXXX, acknowledged in XXXX XXXX that my promissory note was either lost or destroyed when they submitted a copy to XXXX XXXX XXXX XXXX. I do n't understand how US Bank or XXXX claims that they have the original when it was reported lost or distroyed. 

For over three years I have been fighting to save my property from banks who were not willing to work with me and my attorney. Despite me having the financial mean to meet their financial demands they still refused to come to any agreement. Today I am convinced that US Bank has been obstructing any chances of me keeping my property. They have gone to great length of committing fraud to take my property that is n't legitimately theirs. 

In XXXX XXXX, US Bank succeeded in foreclosing on my property but my case is on appeal since my bankruptcy dismissal. It will be months or even over a year before we can go before the judge share our discovery. I want to report US Bank for committing fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: In XXXX I move out off apartment that I was renting. 
Deposit of {$500.00} was in question when I left the property. 

XXXX XXXX sends this account to collection, without notification. 

The only balance was left was {$500.00} prorate rent for XX/XX/XXXX, but they did not return my deposit. 

My balance was at the time {$500.00} to XXXX XXXX apartments In XXXX XXXX, CA. 

Last year trying to build credit, lender run my credit and shows a balance of {$2000.00}. 

I request the credit companies a validation of the account to find out : -How they came up to this balance? From {$500.00} to $ XXXX-I offer a Settlement-I offer a payment plan with something in paper to reflect this agreement. 

They came back with, I had to pay or there attorney will proceed ; know collection calls asking me to pay full balance. 
When account was Charge off. Status of Limitation was check in California is 2 year. 
I started contact ; I initiated conversation and XXXX call. 
I submit a request to the credit bureaus but, they only send me a charge statement from this Agency. 

Company failure to comply with : -break down of fees-copies of the original contract-provided name or manes of account ( Attorney ) - Harassing me with calls- Company failure to comply with copies of records within 30 days. 
-refuse to work with me-damage my credit - reporting account I was not informed I had. 

Please see attached documents I have send to credit companies. 
Please, know I am asking for deletion of the account. 
This collection had created a financial impact in my credit for many years. 
Not able to obtain credit, not employment. 
Creating, : Stress, fair, and emotional stress that have affected the stability and peace on my family. 

Thank you!! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Credit card () with CITIBANK, N.A. (UT).
Issue: Other

Complaint: In XXXX 2014, I purchased windows from The Home Depot. The Home Depot representative, XXXX XXXX, told me that the financing was 24 months interest free through The Home Depot card. When I received the first statement in XXXX 2014, it showed staggered interest rates, I contacted both CITI ( the underwriting bank ) and XXXX XXXX of The Home Depot. XXXX XXXX has repeatedly told me that there must be a mistake because it was supposed to be 24 months interest free. Every month since then, upon receiving the statement, I have contacted both CITI and The Home Depot. Every month, I was assured by The Home Depot that there was a mistake. However, I am now paying over 26 % interest. This is predatory and deceptive lending practices of CITI.

Company public response: Company chooses not to provide a public response
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. (NJ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax was negligent and allowed the leak of my personal information ( such as birthday, SSN, address, and more ) to an unknown amount of people. They waited weeks before alerting me that my info may have been leaked, and they did not take the necessary precautionary measures to prevent something like this from happening.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Mortgage (Conventional home mortgage) with ARVEST BANK GROUP, INC. (RI).
Issue: Struggling to pay mortgage

Complaint: XXXX Veteran, lost job, had a fire in the building, tenant using space heater,XX/XX/2015, City Fire Marshall wanted to shut down the building unless owner upgraded the electrical wiring in the building, no money for this, quotes around 15,000 dollars, tenants move out, as fire marshall stated, '' Building is unsafe ''., one year and half no tenant income, must upgrade the electrical system, fell behind on all payments, struggle to upgrade, now upgrade is complete, mortgage is behind for 3 years ... .need desperate help financially.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: Homeowner has been under review since XX/XX/XXXX. She is awaiting XXXX and waiting for a XXXX. XXXX. The daily ongoing stresses of loosing her home are a factor in her Health failing with no answer. They approved her for a Modification on XX/XX/XXXX but she missed making her payment due XX/XX/XXXX because she was hospitalized. She got assistance from XXXX XXXX XXXX, which covered all 3 trial payments XX/XX/XXXX and the Lender did not accept it. Since then her Financial circumstances have improved, she now receives SS XXXX. With the information we have submitted for a year reflecting affordability and with the decision they already made agreeing that it is affordable and in range should conclude the same decision with the increase, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Tradelines are on my credit report that are not mine.

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