milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: on Saturday XX/XX/XXXX I checked my credit score on XXXX XXXX in the morning and it was XXXX, the same day in the afternoon my score drooped 57 with 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 08-04-2017 about Mortgage (FHA mortgage) with MORTGAGE LENDERS OF AMERICA (TX).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I was misled during my lending process. My initial lender Mortgage Lenders of America asked me to do a Credit Bureau Explanation. I thought the request was strange however since I am a first time homebuyer I thought I 'd comply. I was informed a week later that my credit report from XXXX had been updated and my legal name had been removed from my credit report and my credit score had dropped XXXX points. Also all of my physical addresses were removed from my credit report without my authorization or consent. This allowed Mortgage Lenders of America to raise the interest rates on my loan to 4.87 % FHA loan which is extremely high. I immediately contacted my loan officer XXXX XXXX with Mortgage Lenders of America about the change and she denied it. However, I only provided her with the Credit Bureau Explanation.I am now using another Mortgage Lender. However, I needed to report this illegal practice and I actually believe that someone should be imprisioned behind it. It allows these lenders to charge excessive interest.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have    XXXX   inquiries on my credit report six days apart how is that possible if I only applied for one time.  I did not authorize the other hard pull on my credit report  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , SD  XXXX  (  XXXX  )  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , SD  XXXX  (  XXXX  )  XXXX  Please Resolve

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 09-07-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Rewards

Complaint: On XX/XX/XXXX - I called Capital one to find out what I needed to do to change my name and remove my husband from my account, where I am primary card holder, they took information and restricted my account without me knowing about it which caused me to lose over {$500.00} in points. Everyone apologized for and admitted that they made mistakes but i was still out the {$500.00} while I had an outstanding bill in excess of {$900.00}. No one informed me that i was getting a new account or this would casue me to lose the {$500.00} in points. They escaleated it to the highest complaint and said yes, they are aware they forfeited my {$500.00} but there was nothing I could do about it. They admitted they gave me misinformation. They closed my account, left me a {$900.00} bill and took my {$500.00} in points away.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-02-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I am a victim of ID theft, I have contacted them they refused to contact me back I request a block of this account according to Section code 605B Block of information resulting from identity theft ( 15 U.S.C.1681c-2 ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than ( 4 ) days business days after the date of receipt by such agency of : Beginning ( 4 ) business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) a check services company shall not report to a national consumer reporting agency described in section 6039 ( p ), any information identified in the subject identity theft report as resulting from identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Debt collection (Non-federal student loan) with Account Control Technology, Inc. (MI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This debt was sold because when I requested information from the debt collector they just simply sold the debt to keep from disclosing information. This debt collector did not verify they have a license to collect in Michigan and I want them to report to all three credit agencies that this debt is disputed.

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 03-01-2017 about Money transfers (International money transfer) with Maxitransfers Corporation (GA).
Issue: Incorrect/missing disclosures or info

Complaint: I send some money to XXXX through XXXX And my family can receive the money And been calling to XXXX and they are so disrespectful And just hang out the phone They not want to give my money back.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2016 about Credit card () with U.S. BANCORP (NY).
Issue: Billing disputes

Complaint: A Visa card owned by Elan Financial Services has been reporting that my autopayments have been " returned '' and fees have been added to my bill. This has been going on since the XXXX 2016 statements. I have attempted to pay the bill by other means but those payments as well have been " returned '' and further fees attached. I have checked with my bank and the bank reports that they have not rejected any requested payments. I have written to the companies asking for the fees to be reversed and for them to accept the payments and I await a reply.

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 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have contacted this consumer reporting agency on 2 separate occasions regarding a bankruptcy that the continually furnish inaccurately. I have not filed a bankruptcy. Despite my request they refuse to correct this issue. Besides the fact that I never filed bankruptcy they are ignoring the fact that a XXXX party can not validate an account. The original creditor which in this case would be the courthouse which does not validate any records by mail, phone, or fax. A phone system can not be used and nor can a third party such as XXXX XXXX as any information they report is considered hearsay. But this company insists this inaccurate information has been validated. I contacted XXXX XXXX and had my file suppressed and frozen so no information can be released unless I provide a pin and I have not done so in this case. So either this company is blatantly lying about this account being validated or XXXX XXXX is not being complaint with my right to suppress my information. If this is the case I am requesting that this company provide me with the documentation that they received from XXXX XXXX so that I may file a law suit against them for violating my rights. They have ignored this request to provide this information as well! Also there was a law passed on XXXX/XXXX/XXXX that states that any PUBLIC RECORDS that does not have qualifying identifying information such as a date of birth, social security number, address, etc must be deleted. Although this company tries to insinuate that this only applies to tax liens and judgments which is not accurate. This company is willfully and grossly being negligent. If I file this matter in a court of law the information I am requesting will have to be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2016 about Credit card () with CITIBANK, N.A. (NC).
Issue: Late fee

Complaint: Citibank Visa credit card and I assume most credit cards charge late fees and what is already an obscenely high interest rate. It 's unconscionable that both are permitted by law. If a credit issuer is permitted to stuff fees into terms and conditions, at which point does " standard '' terms become worse that loan sharks? These so called regulated industries are no better - 16 % plus in interest charges. How is it a credit card is able to charge a flat {$25.00} on late charges regardless of the balance owing? And each month add another {$25.00}? Plus able to charge interest on the outstanding balance? 

For a balance of {$110.00}, in two months I had {$3.00} in interest charges ( yes that 's about 16 % annualized, to an institution that pays currently 0 % ), and also {$62.00} in late fees, which amounts to 338 % annualized. How is it that credit cards are able to charge both late fees and interest? It 's either interest or late fees. And how is it that regardless of the balance the fees do n't change? Whether is {$110.00} or {$10000.00}? 

Clearly these are predatory fees and serve no purpose other than to gouge the lower income, lower balance consumers. I would like to launch a credit card service which charges low interest rates, maximum balance and no fees, how would I do that? Not easily because the regulatory frameworks protect large financial institutions from competition, and in this example are clearly not protecting consumers from predatory practices.

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 01/29/2017 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: This is in connection to Complaint Conf # XXXX. It is not XXXX, but XXXX. I apologize for this error. 

This XXXX mortgage was not included in the bankruptcy. Please see attachments ( pages 5 & 6. ) There are two XXXX accounts : one is home equity loan and the other one is mortgage. It was transferred to Ocwen Loan Servicing later on. Before we filed for bankruptcy, we applied for loan modification. which process took more than 2 years. The house was sold on a short sale in XX/XX/2016. I contacted Ocwen regarding the inaccuracy of my credit report about what 's included in the bankruptcy. Ocwen have immediately suppressed the two accounts from credit reporting. I am requesting XXXX to do the same. 
Thank you so much!

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2015 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (NY).
Issue: Other transaction issues

Complaint: On XXXX XXXX, 2015 I transacted with an organization known as XXXX XXXX. I chose the Paypal payment option, having held an account with them previously. After the transaction, I experienced significant difficulty navigating a third party website XXXX which was unknowingly required to use the vendor 's software. Based on this difficulty, within 15 minutes I intended to cancel the transaction and pursue it through other payment methods via the XXXX website. Paypal informed me this was not possible and something I needed to coordinate with the vendor. I instructed Paypal in XXXX directions : 1 ) cancel the transaction, 2 ) cancel my account. They informed me only option XXXX was available and that by doing so, I would be unable to dispute future charges. I informed them that that was practice was not appropriate and proceeded to close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Deposits and withdrawals

Complaint: Bank of America withdrew {$11000.00} from my checking account I had deposited to pay an electrician. I did not authorize this transaction and they claim it was to satisfy an outstanding debt. I dispute the validity of this debt and challenge their right to " reach '' into my checking account on a whim to satisfy it. I have spent hours on the phone with multiple departments at BoA and have not been able to resolve this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2016 about Credit card () with JPMORGAN CHASE & CO. (MA).
Issue: Payoff process

Complaint: Amazon Visa from JPMorgan Chase ( XXXX ). 

They do not allow you to make a fixed automatic payment monthly, the only options are to pay the " full amount '' or " minimum payment ''. If you try and schedule payments for the future it also does n't allow you as you can only make one payment per cycle, this in turn causes people to most likely forget and incur a late payment, it 's well within their capability to offer this and it seems like a scheme to either 1. get people to pay the minimum payment and 2. incur late fees if they choose to schedule manually since you can not schedule more than one month at a time See below communication. 

Dear XXXX XXXX XXXX : Thank you for contacting Chase. 

Unfortunately, at this time AutoPay does not offer a " fixed payment '' option. Additional payment ( s ) can always be made after the statement due date, but before the statement closing date. This will ensure the AutoPay to be processed each month. 

If you need any other assistance, you can send us a secure message. We appreciate your business and thank you for choosing Chase. 

Thank you, XXXX Account is owned by Chase Bank USA , N.A . and may be serviced by its affiliates. 


XXXX DO YOU KNOW AT CHASE ONLINE YOU CAN .... 
- Gain instant access to view and download your credit card information. 
- See and pay your bill online - Transfer balances - Change your address and much more .... 

XXXX Original Message Follows : XXXX XXXX NAME : XXXX XXXX XXXX Hello, I am just wondering why you do n't have an option for choosing what amount to pay in automatic payments, my only options are minimum payment or pay full amount ex. my minimum payment is {$27.00} and I want to pay $ XXXX monthly. 

In this case I have to manually schedule these payments and often forget to keep scheduling them, is this by design?

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Debt collection (Medical debt) with Harris & Harris, Ltd. (TX).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: Repetitive phone calls to place of employment identifying themselves, XXXX XXXX XXXX, and asking to speak to me using full name and under the guise of a " personal financial issue. Aggressive and unprofessional.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX XXXX on or about XXXX/XXXX/2015 on TRANSUNION credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Debt collection (Other debt) with ACCELERATED COLLECTION SERVICE, INC (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX, XXXX I received a alert on my credit file from a collection complany by the name of XXXX XXXX XXXX saying I owe a debt. I contacted the complany spoke with a guy and have my information and asked him if he could send me contracts that i signed my signature are whatever else they had and he got on the defense side and used awful language towards me and hung up. He couldnt and would not validate that the debt was mines he also mention a address I never lived at so my question is can this complany try to collect being they have a lot of complaints against them

Company response to consumer: Untimely response
Consumer complaint received 04-10-2017 about Consumer Loan (Installment loan) with Green Trust Cash, LLC (GA).
Issue: Managing the loan or lease

Complaint: i was issued a payday load through Green Trust Cash. I recently had death of my mother, lost time from work and unable to make payments. Company was notified and then they turned me over to collections, company called XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Debt collection (Mortgage) with Collins & Hilton Asset Group, LLC (VA).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: XX/XX/XXXX I was wrongfully foreclosed on and evicted from my home by XXXX mortgage. The loan was an XXXX and the primary was settled and XXXX attempted to collect on the second. XX/XX/XXXX, I was contacted by I believe the state who was conducting a class action lawsuit. I subsequently received XXXX insignificant settlement checks from this suit. In XX/XX/XXXX I was contacted by a collection agency attempting to collect on this debt. I explained the history and explained that given the circumstances, I had no intention of settling the debt. This issue continues to resurface and impact my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2015 about Credit card () with Continental Finance Company, LLC (FL).
Issue: Credit card protection / Debt protection

Complaint: In XXXX I applied for a " VERVE '' credit card through XXXX, XXXX, MO. On XXXX/XXXX/15 an account number was given to me. On XXXX/XXXX/15 the card was activated and an upfront {$35.00} activation fee had to be paid before they would activate the card. The {$35.00} activation fee cleared my bank on XXXX/XXXX/15. On XXXX/XXXX/15 I made a {$100.00} payment on this account through my checking account but accidentally I left out XXXX number and the payment was returned. I did resubmit the payment on XXXX/XXXX/15 that cleared my bank account on XXXX/XXXX/15. My " VERVE '' credit card was placed into a revoked status on XXXX, the same day I made the payment, giving the customer service rep the corrected bank account number. I called " VERVE '' customer service on XXXX/XXXX/15 asking to explain this to me and I was told that I had to resubmit another {$100.00} payment by guaranteed funds because of the XXXX payment issue. Even though they received my XXXX payment on XXXX/XXXX/15 with a bank confirmation number, they requested another payment before my card would be re-activated. So, my account was revoked and I still have to pay the {$120.00} activation fee for a card that was used 1 time, and I only had for 2 months. This company has many bad reviews on the internet and they should be investigated for they way they conduct business. People, like myself, looking to re-establish credit do n't have many options and I feel this company takes advantage of people like me. Basically, I had to " give '' this company {$120.00} of my money and go through drama unnecessarily.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation