milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with U.S. BANCORP (ID).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My father passed away and US bank keeps calling me regarding his debt. They have called 10 times, and each time I inform them of my fathers passing, that there is not Estate, and please stop calling. They say that they will note his account and stop the calls but they are still calling, and it has been 5 months.

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 08/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Hunter Warfield is collecting a debt i have requested validation of the debt and not received it as of yet. The letter I received from them states the client is XXXX XXXX at XXXX XXXX, I do n't owe XXXX XXXX at XXXX XXXX. 

Also the initial request was made XXXX/XXXX/2015 and follow up request made XXXX/XXXX/2015 and XXXX/XXXX/2015. I have been ignored. 

The only correspondence received from Hunter Warfield was on XXXX/XXXX/2015 stating they would investigate and remove the reporting ; however that never happenend

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Mortgage (VA mortgage) with NATIONSTAR MORTGAGE (AR).
Issue: Trouble during payment process

Complaint: I have a mortgage with NationStar ( they recently purchased the loan from XXXX XXXX XXXX on XXXX XXXX, 2017 ) and the have been making extra charges on my checking account ( XXXX XXXX XXXX XXXX ) multiple times per month. I called to try to get them to stop and they, first, told me that they had no records of the charges, then after some persistence they finally admitted to seeing the charges. When I asked the to stop the charges they said they could n't. I eventually closed my checking account and opened a new one, but have n't made a payment since ( giving them my checking acct number is the only option to pay they will give me ) because I do n't want them to start trying to steal any money from that account. I checked my account history today and they erased those charges, but I took screen shots of the fraudulent charges they had posted in previous months. The amounts were : {$2300.00} on XXXX XXXX, 2017-XXXX2017-XXXX2017 & XXXX/XXXX/2017 {$2300.00} on XXXX/XXXX/2017 {$1500.00} on XXXX/XXXX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: victim of identity theft, never lived out side of XXXX before 2014

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Problems when you are unable to pay

Complaint: Santander Consumer keeps calling me at work. I have informed them over a year ago to note the account that my employer prohibits these calls and I could lose my job if they keep this up. I have also informed them that unfortunately I can not keep the vehicle due to XXXX wage garnishments. XXXX from the federal government for student loans and XXXX from the state of California for back taxes. I have asked them If I can return the vehicle for a voluntary repossession. They are not listening to me and keep asking for payment, they said they will not come get the vehicle. They have called me XXXX times at work in the past few months with the last call one day during the week of XXXX XXXX 2015. I am tired of asking them where I can drop off the vehicle and they really need to stop calling me at work. My boss is already difficult and he is not happy about these calls. These people know what they are doing and this harassment is not warranted. I want to press any charges that are available to me. I am sorry I defaulted on the loan it was not my intention. I barely have the money to live on and they are stressing me unecessarily.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-10-2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (TN).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: During the time of my marriage, I decided to get a TJ Maxx credit card which is through synchrony bank. Unfortunately, my husband left me and took the clothes that I purchased. I am now going through a lawsuit with synchrony bank. I have never hard of retail stores suing and winning lawsuits. I saw that synchrony bank with to another law firm in order to get me to pay. I fell on hard times really bad, got evicted from my apartment, hourly job that doesn't pay much, and they are a very hard to reach company to work out options. I am never getting another retail card again and of course, I haven't shopped in TJ Maxx in ages every since this happened.

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 01-08-2016 about Bank account or service (Savings account) with BOK FINANCIAL CORP (AZ).
Issue: Deposits and withdrawals

Complaint: Bank of Arizona N.A. made an unauthorized debit to my business savings account. The below message was on the account. I called and told them that there was no authorization for the debit and asked that they stop the transaction because it was still pending and it may be fraud. They refused to stop the transaction and the line went dead while I was on hold. 

Pending DEBIT ADJUSTMENT XXXX {$100000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Company continues to refuse to send me information which validates that this is my debt that I signed for. They continue to mail me XXXX documents ' stating that there is a account, but no other information is provided. When I pointed this out and pushed for validation of debt, they ignored me blatantly and tried to get me to file a police report citing fraud and identity theft, ignoring my request for validation. They are ignoring my right to validate my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (CA).
Issue: Making/receiving payments, sending money

Complaint: I set up recurring bill pay with Citibank through my checking account to pay my cable bill every month. In XX/XX/XXXX, I went in to Citibank branch and asked verbally and in writing for the recurring bill pay to stop as I was about to move XX/XX/XXXX. I thought that giving them XXXX weeks notice would be sufficient. 
Citibank, however, failed to put through the request. In XX/XX/XXXX, XXXX months later, the cable bill amount was still being deducted and sent to AT & T. I was no longer living there and the new tenants were having a difficult time setting up their cable in their names as I was still being charged cable for that apartment. 
I have spend countless hours trying to resolve this. Citibank says I need to deal with AT & T, but AT & T says I have to take up the issue with Citibank. They each claim the other is responsible for returning to me the money. I have spent hours on the phone and in person with both companies and now have no idea what to do.

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 11-06-2015 about Debt collection (Medical) with DataMax Corporation (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Interstate Credit Collections was sent a debt validation request letter and in it I requested the information which is allowed by FCRA and FDCPA. The info they sent me was a barely legible print out copy of a statement which did not even have their company name on it. This company claims I owe them money and they have been falsely reporting this on my credit files with the XXXX major bureaus. I have always sent my correspondences to them certified mail return receipt request but they have yet to provide me with any debt validation but then the company verifies with the credit bureaus, but not me. Not to mention the paper copies they have in their posession list my entire medical history, diagnosis and treatments which is a violation of my HIPAA rights. I never gave Interstate credit collections authorization to have access to my medical history. They are a collection agency that I did not sign a contract to do business with. They claim I am using a credit clinic and they are not going to put up with any more of my requests but I am not using a credit clinic and they are refusing to validate the requests I sent them, Under the law if the collection agency can not validate then the negative information needs to be deleted immediately. They are reporting un-validated false information.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE).
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 am filing this complaint because XXXX, TransUnion, and XXXX, has ignored my request to provide me with the documents with SIGNATURES that their companies have on file that was used to verify these accounts I disputed. Being that they have not adequately verified these accounts under Section 611 ( 5 ) ( a ) of the FCRA -they are required to properly delete all information which can not be verified that I have disputed. Please resolve this matter. Thank you

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 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: To whom it may concern : My name is XXXX XXXX. On XXXX XXXX, 2017 I sent several certified letters over to each of the creditors and credit bureaus and you have yet to correct the error account that you are reporting on my credit profile. You continue to send me a bogus verified code account. I am unaware of the accounts listed below and have no knowledge of the accounts. I have never applied for any of the accounts. I have no idea, credit cards and have never applied to XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX At this point I am fed up and I am distressed. My only result is to take legal actions, I remained professional through out this situation and Ive sent in certified documents hoping that you guys would correct the error in respect to violationg my rights within The FCRA. I am only left to contact the attorney generals office in XXXX XXXX County, also File a police report against your company for using my credit profile and placing error accounts on my profile without my consent and this isnt the first time that you have done this to me. At this point I am fed up and in distress with the XXXX that you are causing. You have caused me so much problems and I will make sure you pay the consequences and court fees of {$10000.00} in court fees for violating me through the FCRA, placing error accounts on my credit file and other violations. At this point this is my final attempt to resolve this issue out of court. If you feel that I am wrong please feel free to provide me with all the necessary steps, documents used to determined that this debt is for me and I am liable for it. Please provide me with the necessary information and detailed copies of the paper work and documents. Thank you please.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2016 about Credit reporting () with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian is not responding to my numerous requests to investigate and remove accounts from my credit report that do not belong to me.

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 Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (AZ).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: Hi, Wells Fargo, car loan repossession within 45 days I had previously submitted a concern for towing charge and excessive fees during during 2016 for a repossession from Wells Fargo bank. It was determined that they were in the right and they " had contacted me. '' But the more I thought about it, there were automated calls that came through, but I never actually talked to a person. It seems to me that if a car is repossessed that I should have a chance to pay it. I had the money. It was late, but I was less than 2 payments behind and it was within 45 days. We were struggling and it did n't even dawn on me that a company could repossess a car that quickly. It completely shocked me, and after the fact it struck me as unfair.

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 12-09-2015 about Payday loan () with BlueChip Financial (TX).
Issue: Charged fees or interest I didn't expect

Complaint: I received a loan from Spotloan for {$400.00} on XXXX XXXX, 2015. During the application process it did not mention that the payments it pulled every paycheck would be interest only. My payments have come out on payday without issue since that time for {$66.00} every two weeks, XXXX payments in total since the loan was issued, totalling {$600.00}. I did n't have a payment pulled on Friday when I was paid and thought finally I had paid the loan and it 's outrageous interest back in full. 5 days later on Tuesday XX/XX/XXXX I received a NSF fee from my bank and asked what it was for so that I could ensure I paid whoever it was that was n't paid, they replied that it 's Spotloan. Later that day, today, I received an angry email from an employee at Spotloan stating " you promised to pay us back, why are n't you paying us back ''. When I logged into my account with Spotloan for the first time to check the balance and see if I could just pay the remaining balance off and be done with these crooks I saw the remaining balance is {$390.00}, they 've only applied {$6.00} of the {$600.00} I 've paid them to the principal. I can not imagine this is legal or allowed, my understanding is some of the payments were required to go to principal, and I would n't think that a fraction of a percent of each payment would be adequate to meet that requirement. I 've paid this loan back plus 50 % interest over the last 4 months, and apparently I have made no progress toward the balance, this is robbery.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Credit decision / Underwriting

Complaint: I 'm applying for HELOC. The bank gave me three reasons why I was not approved. I satisfied all the reasons and they are still giving me the run around. The last time I applied for a loan it took them 5-6 months to approve and only after I reached out to this office.

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 04-01-2017 about Bank account or service (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Deposits and withdrawals

Complaint: I opened a checking and savings accounts with Fifth Third Bank on XX/XX/2017. I have made a few cash deposits and two check deposits. Both checks were from my employer who banks with XXXX bank the checks are drawn on an account from there. The first check for XXXX cleared no problem the second for XXXX has been placed on hold. I deposited the check in question on XX/XX/2017 they want to hold the funds until XX/XX/2017. The reason they claim to be doing this is because of my account being new. I have already spoke to my employer and there is no problem what so ever on their end the check has already cleared their bank. The is no logical reason for the hold.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2015 about Debt collection (Auto) with Consumer Asset Management (Texas) (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: My mom has been getting phone calls for 13 years about an old bill. Yes from 13 years ago. They have threatened to remove her furniture, take money off her credit card and now contacted mom 's neighbors to knock on her door. My mom is XXXX years old and almost completely XXXX. These people almost gave her a XXXX XXXX this week. Especially when neighbors are involved. 
My mom 's name is XXXX XXXX. resides in XXXX. I told XXXX XXXX she is in a XXXX home, so she stops calling. 

I have called debt management to confirm statue of limitations is 7 years. They have called relentlessly for years. 

I would like your help in contacting them and I would like to press charges for their scary tactics that has seriously done damage to us. 
They are XXXX XXXX XXXX XXXX XXXX TexasXXXX XXXX is the nasty lady, her number is XXXX XXXX but she picks up the call. 

Thank you so much, XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 11/15/2017 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: Account status incorrect

Complaint: I had XXXX cell phone service and switched to XXXX when they where offering to pay off last bills to switch to them, XXXX failed to send payment to XXXX, XXXX sold account to XXXX a collection agency I paid them and requested that it be removed from all 3 credit bureau XXXX and XXXX  agreed to remove, XXXX and Experian are refusing my dispute to have it removed. XXXX has removed but XXXX and Experian have not even though the actual debtor is requesting for it to be removed!! Also i have made 4 request in the past XXXX to get my final bill from XXXX and i have yet to receive anything from them other than verbal confirmations of we are sending them to you.

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 05/21/2015 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt is for an emergency room visit for an infant that I was babysitting at the time he became ill. He is not my child, I have never had custody or guardianship over this child and this company continue to try and collect this debt from me. This account is impacting my credit score and my ability to obtain a mortgage loan and it is not mine. I have provided this company with the names of the child 's parents and they still associate me with this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Payday loan () with Mobiloans, LLC (AZ).
Issue: Charged fees or interest I didn't expect

Complaint: They take out fees XXXX so it takes a very long time to pay back the principal. When I tried to make payment in full in order to avoid any more fees, they said I could n't! Feel deceived ... These types of loan companies are illegal in Arizona, so they should not be available to Arizonians.

Company response to consumer: Untimely response
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: there are few inaccurate reporting on the credit report for the following account, XXXX card acc # XXXX, date openedXX/XX/XXXXplease find attached the upload letter from the creditor for which they have approved to remove the inaccurate lates reporting on my credit file. 
i have already forwarded the letter from creditor to all three credit bureaus and requested to remove but they have not, i need your help in order to do so. 
thank you for your cooperation

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 04/30/2015 about Debt collection (I do not know) with M.A.R.S., Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I checked my credit report for the XXXX time only to discover that there was a claim of debt that was not true. I have called and requested verification of the debt and they said they would e-mail a bill. I am claiming that the bill was never an agreed upon total and I am requesting some substantiation of the bill, but they can provide none and refuse to remove the account.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2016 about Credit card () with CITIBANK, N.A. (MO).
Issue: Late fee

Complaint: I was told by my credit card company that I should not make payments ten days before the due date. I make my payments a day or two after the closing statement date in order to avoid interest charges. Beginning in XXXX 2015 Home Depot started charging me late fees saying I was paying too early. I was told the statement closes on the XXXX of every month and I pay after that date. Whatever payment I make should go towards the statement after that date so long as it is paid after that statement closes. Their argument is a minimum payment amount has not been generated therefore the payment is not required to go towards the current statement. That have punished me for paying early so they can get more interest out of me and on top of that started charging me late fees. I plan on taking legal action as this company is operating in bad faith.

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