milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-01-2018 about Debt collection (Other debt) with Hunter Warfield, Inc. (SC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Original CreditorXXXX XXXX XXXX XXXX  now known as XXXX XXXX XXXX, lease an apartment from them. Roommate broke lease. There is a fee to break lease roommate refused to pay after I paid my half amount. Was never contacted by them for remainder. Get a phone call from Hunter Warfield on XX/XX/XXXX for amount. Wanted to deal with original creditor. The original creditor refused payment. Original creditor referred me to deal with collection agency. Requested verification of debt on XX/XX/XXXX Debt was verified. Started to negotiation with settlement for original amount of {$1200.00}. On XX/XX/XXXX letter was sent with amount of {$1200.00} with {$4.00} as interest. In original contract there is no interest. Debt collector is seeking to collect more than what is originally owed. In addition, tried to make phone contact onXX/XX/XXXX to settle account. Made phone calls at XX/XX/XXXX and XXXX XXXX  with the phone number provide to me in a letter at XXXX. Hunter Warfield did not answer phone during normal business hours. In addition sent email to XXXX XX/XX/XXXX with no answer. A letter was sent on XX/XX/XXXX with full amount of {$1200.00}. Hunter Warfield recieved check on XX/XX/XXXX via certified mail. Since that date Hunter Warfield has not cash the check for payment in full. Hunter Warfield sent letter to consumer suggesting that if payment is not receive then will put negative listing on credit report.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/19/2017 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Convenience checks

Complaint: Barclaycard offered balance transfer and home improvement checks with a promotional low fee rate with deferred payment until XX/XX/2018. I wrote XXXX checks totaling {$5900.00} to contractors. The checks were denied by Barclay for suspicious activity without contacting me prior. Barclay charged my account a {$27.00} fee for " returned check '', which they refuse to reimburse due to their own cancellation of checks they offered us to use. The bank claims the contractors banks could have been the ones who rejected the checks, but offered no proof. The banks are profiting from issuing checks they have no intention of honoring.

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 07/15/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is in violation of the FCRA by not giving my case a fair investigation. XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX are all fradulent accounts. XXXX XXXX XXXX claims the account has an address in XXXX Virginia, that it was closed out with my wife 's maiden name on it 2 years after we were married, and has also claimed that they filled a XXXX with the IRS stating that it has been claimed as miscellaneous income and therefore the debt can not even be collected since it was declared as income. XXXX XXXX XXXX had a settlement agreement with me stating that the debt can never be collected upon as well as being fradulent and XXXX XXXX has never provided me with the results of their investigation. All XXXX of these accounts are fradulent and were opened by an identity thief. Neither of these banks has ever provided me with a contract and Virginia law states that with no contract produced, these companies have 3 years to collect and it has passed 3 years. I have provided proof of everything I have written to Equifax who refuses to investigate and says that my name, SSN, birthdate, and address are correct according to these companies, of course they are going to say that, they want money and do n't care who gives it to them. Equifax is in violation of the FCRA, judges have found in favor of plaintiffs against Equifax many of times stating that the only information Equifax requires for a report is not in compliance with the FCRA since that information was used to open the accounts. If Equifax wants to part with money then I will take it, but I will be able to show a judge that I tried in good faith to keep this out of court. Equifax has until XXXX XXXX to remove the fradulent information or my lawyer will file the paperwork with the court to begin a lawsuit. I will not settle, so this gets fixed now or infront of a judge. If you want a copy of the XXXX, ask your buddy XXXX XXXX XXXX to provide it as they claim to have written it up and I never received it. I also do n't care what these accounts are reported as, they are hurting my credit and are fradulent. If XXXX XXXX XXXX and XXXX XXXX XXXX are not active collection accounts then why are they actively trying to get me to pay these accounts back, that seems like a collection account to me. 6 days until my lawyer files a lawsuit, I am not playing. I also want to point out for the record that your last response did not state any address as being reported as mine, are you trying to hide something?

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NV).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: My vehicle was repossessed in XX/XX/2015 in the state of Georgia by santander. I received no certified "right to recover" notice within 10 days of repossession. I was never notified of sale, or a chance to purchase the vehicle, which is required in the state of Georgia. I contacted Santander and they offered no solution

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (NJ).
Issue: Trouble during payment process

Complaint: Back onXX/XX/XXXX after a escrow analysis that would have raised my mortgage payment, my husband who is sole borrower requested if lender Mr. Cooper formally Nationstar would get rid of cushion in order to keep payment same. They agreed and refunded us approx {$1400.00} dollars in which we returned half back in escrow account. After paying XXXX payment I got XXXX statement which said their was {$1600.00} in escrow. Since I knew I would be paying XXXX payment on the XXXX we called and they told us they pay town on the XXXX of quarter due. So onXX/XX/XXXXI planned to call and make up difference in escrow to cover a tax payment Due XXXX I was shocked to find out they had made payment without telling me on XX/XX/XXXX and I have no statement as of today stated that payment. My current statement which was issued on XX/XX/XXXXindicated nothing of this transaction. My escrow account became {$730.00} negative so I made an over the phone payment to escrow today to bring us to positive balance. I will be able to provide documents when I get access to scanner. 

My husband went back thru old statements and discovered they had down this in past paid 2 weeks early and there were months they paid on XXXX ( town gives grace period till the XXXX ) which is what we were told via customer service when we lost cushion so I could keep track and know when I had to have the escrow covered for property taxes. 

In summary all my closing papers indicate is that they must escrow and pay taxes. This is very frustrating because I need three months worth of escrow payments to make these quarterly tax payments and I was not given chance when they paid XXXX quarter early. How early are they allowed and they did this with no indication on statement I do not call them every month for additional dismemberment info, I was going by latest statement which was not even correct. My husband requested taxes be taken out so that is pending. I just want to know if they had the right to do this. I also believe that the constant increases were partially due to them paying taxes early before I had the chance to give them my payment by the first. The past tax increase would have only been a XXXX $ increase that is why we asked for cushion to be removed. We FHA streamlined 4 years ago to bring payment down that is why the cushion was removed, we have never been late since start.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION ().
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I live in  XXXX   XXXX   XXXX  and I have a Visa credit card with Bank of America that I only use in the USA and they can verify mi card has not been used before outside the USA. On the      XXXX   XXXX   XXXX        I entered the online banking account and I noticed  two  charges on my credit card which I do n't recognized. The  two  charges appeared on the bank page to had beed made on the   XXXX   XXXX   XXXX    2017  and I called the bank to report a fraud on the   XXXX   XXXX   XXXX      2017 . This were for {$5200.00} and {$5000.00}. The bank says the chip on my card was read for this transaction and that is not possible since my car is always kept in my safe box and I only take it out when I travel to the USA. Im completely sure that no one had access to my card. I requested a copy on the vouchers for this transactions and I finally received them yesterday, and verified that the signature on this vouchers are not my signature and are very different from the signature I have registered at the bank, also the personal ID number on the voucher is not mine either. In the vouchers the transactions appeared to be made on the    XXXX   XXXX   XXXX   XXXX   XXXX       2017  and now on the online bank page they are both dated on the   XXXX   XXXX   XXXX     and not on the   XXXX   XXXX   XXXX   as I saw for the firs time. Considering the amount on this transactions the merchant must have requested a valid ID at the moment of running the card and they should have verified if name on ID matched name on card. Also according to the security benefits the bank offers on credit cards they block transactions with abnormal behavior. This is a perfect example, first because the card was being charged by an overseas merchant for the first time and second the amount of more than  XXXX   XXXX  dollars for each transaction is not normal and the bank didn'tt block this transactions. With the facts Im providing you, should be enough reason to consider this transactions as fraud but the bank for the second time does not consider so. I have reopened my fraud complain with the bank for the third time with all this arguments with no intentions to reimburse me the amount charged on this transactions. This is the reason Im requesting your help.

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 08/22/2017 about Debt collection (Auto debt) with NCB MANAGEMENT SERVICES INC (CO).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I received a Lemon car from XXXX, which I voluntarily surrendered due to a lawsuit that was in progress against XXXX. I returned the car to them and was told this would not go on my credit. I DO NOT have a contract with NCB.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Bank account or service (Checking account) with EARLY WARNING SERVICES, LLC (AZ).
Issue: Account opening, closing, or management

Complaint: I opened an account with XXXX XXXX XXXX around XXXX Used the the account to deposit funds, used my card for gas that day after work. The very next day tried to use my card at the ATM to deposit my check and was told my accounts were closed. I went into the branch and talked to a banker who stated that my account was closed due to Early Warning services and XXXX XXXX. I was unsure what this meant. I was given their number, so I called and told that XXXX XXXX XXXX closed my account after a second review. The review showed I had an account opened in XX/XX/XXXX and placed on their for owing. I disputed the activity on my record after trying to open another account, i was then told that XXXX XXXX XXXX also placed me on Early Warning services for that account that was closed 2 days after opening for being XXXX over limit, it was over limit because they refused my deposit ( which I also paid that balance the same day ). I also disputed XXXX claim it was investigated and the only response I got back was the report stand. I dont know what else to do and i need to manage my life and have a good bank behind my financial needs.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 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: Information is missing that should be on the report

Complaint: Experian and XXXX XXXX are not reporting my XXXX XXXX XXXX and it is affecting my credit in an adverse manner. I can not upload supporting documentation on their websites. All 3 credit bureaus are still reporting a 30-day late payment to the XXXX XXXX XXXX, which is paid off now. But, I have sent them copies of XXXX XXXX XXXX payments to XXXX to support our claim and they still refuse to correct the inaccuracy.

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 03/23/2015 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (DC).
Issue: Taking out the loan or lease

Complaint: I purchased an Infiniti SUV in XXXX XXXX and traded my XXXX Infiniti in who was financed by Wells Fargo Dealer Services. XXXX XXXX was provided a payoff in by Wells Fargo in the amount of {$27000.00} ; this amount was sent to Wells Fargo to payoff my XXXX SUV ( see attachment ). Wells Fargo Dealer Services then contacted XXXX XXXX stating an additional {$260.00} was outstanding on the XXXX SUV and this amount was paid. In the meantime Wells Fargo Dealer Services sent XXXX /30 day late payments to the Credit Reporting Companies ( for XXXX XXXX and XXXX XXXX ). In XXXX XXXX Wells Fargo Dealer Services sent me a refund check in the amount of {$74.00}, this indicates there was never {$260.00} outstanding on the vehicle. This false report has severely damaged my credit and caused me to get denied for a mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I tried to contact my creditor due to having incorrect information. All my letters were returned as undelivered. I contacted  XXXX  and provided documentation of the undeliverable mail to them which they signed for  XXXX / XXXX / 17 . I asked  XXXX  to remove these accounts due to the creditor furnishing incorrect information. The account address were changed and some of the account numbers changed as per my  XXXX / XXXX / 17  report I pulled from my   XXXX   account. I contacted  XXXX  that day and spoke with the special claims department. They said they received my documentation but would not change my report. I received a copy of my updated report dated  XXXX / XXXX / 17  from  XXXX  due to my phone call and all of the old incorrect information is back on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Debt collection (Medical) with Medical-Dental-Hospital Bureau of San Antonio (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I had a XXXX on XXXX XXXX 2011. I was put in an XXXX for 7 days and received excellent care. 

Well, the bills start rolling in. I get a XXXX dollar bill from the hospital, and almost have another XXXX XXXX ( XXXX XXXX ). Because being retired military I thought I was covered. I went to my XXXX office and they laughed ... and so did I after they told me what my responsibility was. 
I then paid my deductibles in full ... thinking that my financial responsibility was fulfilled. Then, after the XXXX I personally hired a credit agency to monitor my credit, and I received a notice that a collection was filed against me by the XXXX XXXX XXXX XXXX XXXX XXXX that was being collected by Business Professionals ( BP ) XXXX 

After contacting BP XXXX I found out that the original billing company did n't have my insurance information and they said the original creditor ( XXXX ) did n't have access to my information in time to file a claim due to HIPA laws. But my insurance XXXX XXXX XXXX says that my only responsibility is to provide my information to the XXXX hospital, and it is the billing agency 's responsibility to garner that information from the hospital. After I came home from the hospital, I made my insurance information readily available to anyone who contacted me, and I paid my co-pays in a responsible manner. 
Now, the collection agency is telling me that I am responsible for the entire bill, even though the agency that supposedly is billing me has no record of my care, account, or even billing me at all. I feel this is unfair and borderline corrupt. If the original agency can not even reproduce an account or bill that they sent me, how can I tell if this an actual debt?

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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 contacted this credit repository through a dispute letter dated XXXX XXXX, XXXX to dispute the INCORRECT and INACCURATE information being reported in my file. Attached to this complaint is a copy of my second letter I will be sending to this credit repository since Inaccurate and incorrect information are still reporting, from the status, payment history to the account opened and closed date and also the highest balance being reported. All these information are incorrect and inaccurate. This violates the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2015 about Mortgage (Home equity loan or line of credit) with AMERISAVE MORTGAGE CORPORATION (TX).
Issue: Application, originator, mortgage broker

Complaint: Went to Amerisave and I have been having problems getting the loan. I paid for the appraisal {$400.00}, but they are really dragging their feet. I have been trying to get loan since early XXXX. I requested a refund of the {$400.00} appraisal but they would not give it back or give me a copy of the appraisal. They are making excuses and postponing the loan. They keep making excuses that they need more and more paperwork.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Debt collection (Medical) with Universal Credit Services, Inc (MI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I 'm receiving the attached collection letter however I have never received any bill for this amount. I need verification in writing from XXXX XXXX XXXX that I owe this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have been working to restore my credit in order to qualify for a mortgage. Recently I paid off an old charge off and my credit score namely my FICO2 which is used by lenders took a severe hit. I started the month of  XX/XX/XXXX at a  XXXX . In an effort to increase my score I paid off an old charge in full. My score was then dropped by the Experian agency to a  XXXX . The explanation offered by experian was because I had paid on an old account that it warranted my score dropping even though the account was charged off for 2+ years. This does n't make sense since I had also paid off prior charge offs in the months of   XXXX    and  XX/XX/XXXX  and my score increased. But it gets worse. It 's public knowledge that Experian was going to remove Civil Judgements if they did not have a social security number associated with them. I had a civil judgement from  XXXX  ( which was satisfied in  XXXX  ) removed from my credit report on or about  XX/XX/XXXX . My FICO2 score dropped another   XXXX    points to a  XXXX . I have attempted to reach out to the Experian Agency for an explanation into their scoring methodology. They can not explain such a large drop in less than one months time. Nothing else on my credit report has changed. No new debt or derogatory items were reported. I find this whole process to be inequitable and inexplicable. Like many Americans I ran into financial difficulty during and after the financial crisis. I am only attempting to qualify for a mortgage like I had prior to the crisis. I never had a bankruptcy or foreclosure. Despite doing the right things and paying old debts my score continues to drop. How is this fair to the consumer?

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 12-10-2016 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Credit card protection / Debt protection

Complaint: I have been enrolled by Macy 's American Express card into " Credit Protection '' program without my consent. I called them to un-enroll. I still received an letter stating that I am enrolled in the program. I called them again to clarify - upon which agent mentioned that I was enrolled during the application itself and I was indeed unenrolled in XXXX 2016. The first enrollment did not happen with my consent and the second letter I received on XXXX XXXX does not reflect current state of my enrollment.

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 11-10-2015 about Consumer Loan (Vehicle loan) with TMX Finance LLC (GA).
Issue: Problems when you are unable to pay

Complaint: My brother was contacted and was told that if I didnot come pay my debt or bring the truck in that criminal charges would be taken. My brother was used as a reference but I NEVER gave permission to anyone to discuss my personal debt with family members. This is embarrassing and is a direct violation of Code 804 ( 2 ) and Code 805 ( 3 ) ( c ) in [ 15 USC 1692b ]. The last time I was contacted was XX/XX/XXXX. I told them where the vehicle was located and that 's the last time I heard from anyone until my brother told me about this incident today.

Company response to consumer: Closed with explanation