milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I recently viewed my Credit Report from each Beaureau, which shows a Bankruptcy Chapter XXXX on my reports. I have contacted each with a Validation of Information with no response after 45 days. The bankruptcy was never verified as mine and also shows date completed as N/A the Plaintiff also as N/A. The last four numbers of social security # showing on the reports is invalid. The info on this Collection is invalid and is not my debt. Please delete this off my report as of now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I signed up for a 2 year contract for XXXX @ {$110.00} a month winter of XXXX, and by XXXX they were charging me around {$150.00} a month. I only paid the {$110.00} each month until XXXX XXXX when I had them turn off my service and returned their equipment to them. They are putting the excess charges up for collections. I only owed and paid them the contract amount each month. They broke the contract by raising my monthly bill. Account # XXXX, Amt disputed {$99.00}. I have disputed this in writing with them and copied all XXXX credit reporting agencies. Collection agency is Credit Protection Association , L.P . 
I have copies of bolls and letters if you need them.

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 11/17/2016 about Credit card () with CITIBANK, N.A. (GA).
Issue: Other

Complaint: I have submitted multiple requests ( via certified mail ) for validation of the debt being reported as a derogatory account in my credit file by CITI/CBNA using acct # XXXX ( as shown in my credit file ), in which CITI/CBNA reports in my credit file that I owe {$3300.00}. I have no knowledge of this account and have disputed the validity of the derogatory information being reported to the credit bureaus. I have requested that CITI/CBNA validate the account as being mine, which they have failed to do and have not responded to any of my repeated requests. I have attempted to assist CITI/CBNA with correcting their records to ensure they cease and desist the reporting of erroneous information to the credit bureaus. None of my requests have been answered, and I have not received a single reply from CITI/CBNA regarding this account, but the account shows as verified on my credit report after contacting the credit bureaus about 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 02-10-2016 about Debt collection (I do not know) with Southwest Credit Systems, L.P. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: southwest credit systems called my number ( XXXX ) which is on the US National DNC list to collect a debt which is for someone I have never heard of. The caller refused to supply a phone number which I could call to have my number removed from their calling lists or added to their company do not call list. He would only state the name of the company and that it was headquartered in XXXX, TX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 08-04-2017 about Mortgage (FHA mortgage) with U.S. BANCORP (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: On Tuesday, XX/XX/XXXX I was notified by US Bank that they could not approve my loan ( after receiving a prequel letter and being 2 weeks into escrow on a purchase ). They said my credit score was too low for their additional underwriting guidelines which were more conservative than FHA. I immediately secured lending from a different institution and, on Wednesday XX/XX/XXXX asked US Bank ( loan number XXXX ) to release my FHA Case number ( XXXX ) to my new lender, XXXX XXXX XXXX ( Lender ID XXXX ). I was informed my US Bank that they submitted the request to release the case and the appraisal but this still has not been completed. I am 2 weeks away from closing on my new home and US Bank is holding up my new lender from moving forward. I may have significant financial losses ( {$5000.00} ) if US Bank continues to hold up the release and transfer of my FHA Case and appraisal.

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 06/29/2016 about Prepaid card (General purpose card) with CITIBANK, N.A. (TX).
Issue: Managing, opening, or closing account

Complaint: I have a Citi Visa Debit card that I believe I received as part of a promotional offer. I no longer have the paperwork that came with the card. I had not used the card and it was misplaced during a move last year and the card expired XX/XX/2015. 

According to my research and based on information on the CFPB site : " The funds on a gift card will be good for at least five years, even if the physical card expires at an earlier time. If your card expires and there are unspent funds on it that have not expired, the issuer may give you a replacement card or give you the money by another means, such as a check. Either way, they may not charge you a fee. '' I have contacted Citi about replacing the card, which only has a balance of {$5.00}, and they are refusing to replace the card. At first they simply refused. Then when I pointed out that their website stated they would reissue expired cards, they responded that they could only reissue within 180 days of expiration. Then later, after I informed them of information I found on your site, they responded, " The Citi Prepaid card you received is a Promotional Prepaid Visa, and not a gift card making it exempt from legislation referencing gift cards. '' My card is not identified specifically as a " Promotional Prepaid Visa '' or as a " gift card. '' My card simply says it is a City Debit Visa. 

They have given multiple excuses as to why the card can not be reissued. I know it 's only {$5.00}, but it is the principle of the matter, that they issued the card and are finding any excuse they can not to honor it. I think this is poor business practice and speaks volumes about how they treat their consumers.

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 09-08-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I open a secured credit card with XXXX XXXX Bank XXXX of the XXXX XXXX. I loaded my money onto the card paid my bills. I never received a statement in the mail on how much was my bill for the next month. When I checked my credit report I see that Equifax lowered my credit score by XXXX points. For a late payment that was never late in fact XXXX XXXX bank took the {$25.00} dollar late payment off my statement because of the mistake of never sending me my statement. I would like for Equifax to give back my XXXX points because I was not at fault. I am providing the statement so Equifax can see for themselves and make the change on my credit report. This happen on XXXX you will see the Refund of Late Fees on this report. To prove that there was nothing at fault on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2015 about Debt collection (Credit card) with Frederick J. Hanna & Associates, P.C. (closed) (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a credit card which I was unable to make the payments due to unemployment. So the account went to collections and Frederick J. Hanna got the account. So they served me papers around XX/XX/XXXX or XX/XX/2015. So I acknowledge that I owed this debt and would start making payments by signing and getting a form notarized stating I do owe this debt. So I began making payments. In XX/XX/XXXX I set up a payment plan in the amount of XXXX $ /month before that I had pay off the debt by XXXX . There was an additional XXXX $ added for court charges make a total balance of XXXX. Once my payment plan was set up it kept getting cancel for some reason which they would not tell me. So XX/XX/2015 I was upset that they still was sending threatening letters of bring me to court accusing me of not making payments when I was. I just pay the total balance of XXXX over the phone and I received a confirmation number. They took it out of my checking account twice so a total XXXX instead of the XXXX that I owe. Now I ca n't get in touch with anyone none of the representatives will come to the phone. I did my part but I feel like now I 'm being con out of my money. I 'm a XXXX and am trying to move to start a new job. I really could use every dime I have so I do n't wish to be taken advantage of. I used the credit card I ran up the charges I understand and will pay what I owe. But I do n't understand why they are trying to charge me twice and adding additional charges. There need to be some sort of action taken against this firm because of the harassment, threats, and trickery is despicable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Debt collection (Credit card) with DISCOVER BANK (PA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: XXXX have harassed, threatened me for a fraudulent debt they purchased from XXXX XXXX since XX/XX/XXXX. I requested a copy of the signed contract with Discover, an itemized " bill '' and proof that I opened a credit card, they refused. The judgement expired on XX/XX/XXXX and XXXX ( XXXX XXXX ) filed a Writ of Revival on XX/XX/XXXX which is past the XXXX and the Fair Debt Collection Practices Act. Due to similar proven illegal actions, XXXX have recently been fined XXXX for these illegal activities. On XX/XX/XXXX, XXXX XXXX created a new docket number and filed my social security number at the XXXX XXXX courthouse. XXXX never withdrew their " entry of appearance ''. On XX/XX/XXXX XXXX XXXX sent a request for interrogatories, which I responded in to the attached letter. If a debt is n't paid within 180 days, it 's written off. XX/XX/XXXX personally buy these debts, get away with these illegal action because XXXX XXXX sits on different boards, has family members/friends working in the XXXX court house. XXXX XXXX has been noted in a recent Supreme Case and has been warned to stop threatening and harassing, " The U.S. Consumer Financial Protection Bureau has fined a XXXX law firm and the debt collection company it worked with and ordered them to stop filing abusive debt-collection lawsuits. '' This is a violation of the Fair Debt Collection Practices Act. They are attempting to sue me for a debt I did not sign for, the debt is too old to be sued on and are attempting to seize property. I have attached all documents, including a letter to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Debt collection (Medical) with Professional Recovery Management (TN).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I have repeatedly advise her I was not able to be contacted at my work place however has continued to call.

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 05-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: My complaint is against  USAA Federal Savings  Bank as it specifically relates to my  XXXX   XXXX   XXXX   XXXX   XXXX  Credit Card. This complaint is regarding an extreme reduction in my line of credit that increase my debt-to-credit ratio to over   XXXX   XXXX   after I had  immediately reduced my debt-to-credit ratio by making 4 payments.      On  XXXX   XXXX ,   XXXX   my  XXXX   XXXX   XXXX   XXXX   XXXX  Credit Card reflected a Credit Limit amount of {$13000.00} and a balance owed of {$11000.00}. Over the span of  XXXX  days I made the listed payments totaling {$10000.00} -  XXXX  {$570.00} ; {$4800.00} ; {$5000.00} on  XXXX   XXXX ,   XXXX   and {$120.00} on  XXXX   XXXX    XXXX   ). Bringing the balance down to {$1300.00} and improving my debt-to-credit ratio to   XXXX   XXXX   of my credit limit. Note : ( I have over   XXXX   XXXX   history with  XXXX  and none of my accounts have been late or have had a negative review and this is reflected in my credit report from Transunion, Experian, and Equifax  XXXX .   Per my conversation with a USAA Bank representative on  XXXX   XXXX ,   XXXX  , I was told that on  XXXX   XXXX ,   XXXX   they reduced my line of credit to {$2500.00} and that they sent me a letter letting me know about this and this was due to some adverse information on my credit report. The request for reconsideration of their action and that the decision be reversed was declined. I informed USAA Bank that this action did not reward good behavior, that it in fact punished me because my debt-to-credit ratio increased to slightly over   XXXX   XXXX   and that this was just after I had made them a payment of {$10000.00}. I pulled my Annual  Free  Credit Report on  XXXX / XXXX /  XXXX   and after carefully reviewing my report I do not see anything on my credit that is negative to warrant such an impetuous action on their part. I questioned if this financial institution has a genuine and sincere interest in supporting the family members of a military veterans. I have faith in USAA Bank and I hope this is just a misunderstanding.     I am also reaching out to CFPB for support on this matter. I would like my {$13000.00} line of credit restored.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with SUNTRUST BANKS, INC. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Debt was the result of an identity fraud from a bank

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Debt collection (Credit card) with Capital Management Services, LP (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I opened an inquired around XXXX 2016 against CAPITAL MANAGEMENT SERVICES LP for attempting to collect a debt for the amount of $ XXXXPlease look case XXXX. I did n't dispute their response because on his response letter. This company said will cease all collection activity and in its letter states to have the Creditor verify the alleged debt owe direct to me, so far none has verified the alleged debt of {$900.00}. Today I received a letter in XXXX from this company again trying to collect the same debt without verifying the debt as I inquired on my original case against CAPITAL MANAGMENT SERVICES LP Case # XXXX.I would like the CFPB step in to check into this issue if this company has violated any Consumer Protection Credit Laws I 'm attaching as referral the company response letter from the previous case and the letter I received today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Mortgage (Conventional fixed mortgage) with Arbor Residential Mortgage LLC (OR).
Issue: Loan servicing, payments, escrow account

Complaint: Seneca Mortgage LLC has mismanaged escrow funds for my mortgage from what I 've been able to gather Senca made double payments to my property insurer on file as part of maintaining my Escrow. They then sent me a vague letter informing me I was to receive a check from my insurance company which I was to cash then send on to Seneca. I never received a check from my insurer so I assumed Seneca resolved their own problem until I discovered they are now attempting to charge late fee 's because the Escrow account is now in arrears.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Problems caused by my funds being low

Complaint: This is regarding Chase bank. I had my Wallet stolen on the night of XX/XX/2017 I Called the bank at XXXX on XX/XX/XXXX at XXXX to freeze my account. The warning was placed on the account for any suspicious activity. to contact either police or Management if anyone tries to use my Debt card or any Bank transaction. This person went to XXXX XXXX Branch at XXXX and Withdrawal {$1000.00} out of my account I only had {$1100.00} the teller either involved in this or just ignored the warning and cashed the amount without checking the signature and entered my bank account number and wrote the amount on a withdrawal slip and gave him the money. when I called the bank about this incidence they told me to go to any Branch and take care of it. 
I went to the bank and the bank manager filed all the required documents and assured me that my money will be back in my new account within 24 hours cause I was advised to open up a new account. now they are telling me that it will take 30 days before I can see my money. I called their Claims department and the manger was rude to me and told me it is our procedure to go through steps and it will take 30 days before we can refund your money. I even told him that it is your fault and because of it I will not be able to pay my Mortgage and it will show up as late. he said I will not change procedure just one is broken and you have to deal with it. 
Because of my Mortgage will show up as later in my credit. why do I have to suffer for their mistake. everyone I am talking to in ti bank is protecting the teller and I am the victim and I am rudely treated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-05-2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: This is the second appeal regarding our mortgage at XXXX and Seterus. After two years of losing docs from us and then losing our file and delaying our efforts at foreclosure and/or deed-in-lieu, Seterus now claims they ca n't foreclose or grant us a deed-in-lieu or a modification because they " just discovered '' a lien on the title. Our loan had been sold and resold from XXXX to XXXX to Seterus, the last one, XXXX to Seterus, with XXXX failing to file a reconveyance. So, XXXX still can claim our title and Mortgage? Except now XXXX is out of business and someone from that 'out of business ' company may still have the original legal mortgage that my wife and I signed. How did Seterus " buy '' it without clear title from diligent professional title check? This started when XXXX and my wife and I being hit with XXXX bills and asking Seterus for help. Are we being conned or played by unscrupulous real estate/mortgage gimmicks?

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: My card was stolen from my mailbox and used to make purchases. The bank denies the claims and is offering no help. I need my money to pay my mortgage and car!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: this company have placed a inquiry on my credit report three times in one year and I did n't authorize any of it XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hard inquiry on my credit report thru TransUnion by XXXX XXXX whom I have NO BUSINESS with + have NOT CONTACTED for any 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 07-11-2017 about Payday loan, title loan, or personal loan (Payday loan) with Rosebud Economic Development Corporation (TN).
Issue: Problem with the payoff process at the end of the loan

Complaint: I took this loan out in XX/XX/XXXX., for XXXX. I have paid XXXX semi monthly since ( yes insane, I know but I was desperate ), I fell behind on payments last month and asked them if I could settle it. They now want {$900.00} more!!

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VT).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: The databases of the Equifax Credit Bureau were breached at some point ( presumably shortly ) before XXXX XXXX, 2017. The bureau refrained from alerting to the breech for nearly two months, and the executives of the company dumped stock, indicating that they knew the impact that it would have on their company. My PII ( personally identifying information ) is believed to have been compromised in this data breach, and my identity is now subject to theft and abuse by an unkown number of criminal parties.

Company response to consumer: Closed with explanation