milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/31/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Billing disputes

Complaint: I filed a dispute for a charge on my credit card with Bank of America on XXXX XXXX, 2016 for a charge dated XXXX/XXXX/16 for {$280.00} from XXXX XXXX XXXX. I stayed at XXXX XXXX XXXX the previous week but used a different card. I gave this card for charges for " incidentals '' of which there was none. When I checked out, I was not informed of any charge and when I called the hotel, they could not tell me what the charge was for. as of today ( XXXX/XXXX/16 ), Bank of America has not given me temporary credit for the charge, which they are required to do after 10 business days, which was XXXX XXXX, 2016. When I call Bank of America, they tell me that the temporary credit will be given that day, but it never is. I have called on XXXX different occasions. I just want them to comply with the Electronic Funds Transfer Act ( Regulation E ) and give me my temporary credit.

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 01-06-2018 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Commonwealth Financial systems a 3rd party collection agency attempting to collect a debt in the amount of {$1900.00} for medical when all information was given day of services and has been paid in full.

This collection agency has reported to my credit bureaus, I am asking them to show proof that this debt is owed to Commonwealth Financial Systems and please remove permanently from all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2015 about Credit card () with CITIBANK, N.A. (TX).
Issue: Balance transfer

Complaint: Citibank sent balance transfer checks to be used to transfer balances up to my available credit at time of transfer. I submitted a check to 1 of my creditors on XXXX/XXXX/15. I had more than XXXX in available credit. On receipt of the {$1400.00} bal transfer check XXXX/XXXX/15, Citibank decreased my credit limit by {$5300.00} on XXXX/XXXX/15 & refused to honor the check. They sent out a letter after the fact stating bogus & vague generalized reasons. This is an unfair practice that caused a returned item with the other creditor. I have asked them to stop sending me checks because they are misrepresenting. They said they could not stop them from being sent. I am very displeased. I 've been with Citibank for 20 years. I make my payments on time and I pay more than the minimum due most times. I 'd like the matter investigated & that check honorees, as well as them to stop sending me checks unless I request them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Mortgage (Home equity loan or line of credit) with Real Time Resolutions, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I originally got a home equity line of credit ( heloc ) 9 years ago with XXXX. This loan has since been sold once and then ultimately sold again to a company, Real Time Resolutions ) based in XXXX, Tx. They originally told me when I told them this was a heloc that it was n't but after 'investigating ', they finally acknowledged that it is. However they did say that when the loan matures in XXXX 2017, the entire loan would need to be paid off. I told them that the terms of the original loan were that at maturity, payments to the principal of the loan would start. I have been paying interest and principal the entire time since I started drawing on the loan. They told me that they were a debt collections company and did n't have to abide by the original terms of the heloc.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 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: Information belongs to someone else

Complaint: I do not have mail or debt at this address. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Address Identification Number : 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 non-monetary relief
Consumer complaint received 10-11-2017 about Mortgage (VA mortgage) with KBHS Home Loans, LLC (NV).
Issue: Trouble during payment process

Complaint: ESCROW PAYMENT INCORRECT, BECAUSE XXXX XXXX REFUSED TO ACCEPT MY ( TAX-EXEMPTION ) AS I AM ( XXXX XXXX XXXX XXXX XXXX VETERAN ) " EXEMPTION # XXXX '' FROM NEVADA ASSESSOR OFFICE. TERRIBLE WAY OF SERVING PEOPLE. HANDED ME MY TAX EXEMPT WRITTEN ON A BUSINESS CARD. DESPICABLE NOT PROFESSIONALISM TYPE OF SERVICE, KIND SCARE ; LED TO DISARRAY INFORMATION OF UNSCRUPULOUS CONDUCT I SHALL SAY ... ALSO ; THE MORTGAGE COMPANY SUPPOSE TO REFUND AND REIMBURSED OUR TAX EXEMPTION FROM OUR MORTGAGE PAYMENT, ONCE IT IS SETTLE ON THEIR SIDE OR WHATEVER THE CASE MAYBE. I AM SERIOUSLY CONCERNED BIG TIME ABOUT SERIOUS FRAUDULENT CONDUCT AND ACTIVITY TARGETTING PEOPLE NOWADAYS UNLAWFULLY. SO MUCH SCAMS ACTIVITY ORCHESTRATING BY BUSINESSES NOWADAYS UNLAWFULLY IN VIOLATION OF THE CONSUMER LAW FOREMOST.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2017 about Debt collection (Credit card debt) with Client Services, Inc. (GA).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: I recently discovered my XXXX XXXX account was forwarded to a collection agency. I am disputing this matter, because I never received any calls, billing statement summaries, or XXXX XXXX Card. 
I am only willing to pay for the purchases made on the account. 

Furthermore, I am requesting that this negative balance in reporting be removed from the collection agency and all reporting agencies. I do not want this to reflect any derogatory information. I would like my credit reopened for future credit purposes and all fees removed. 

Again, please note that I never received any calls, billing statement summaries, or XXXX XXXX Card. I am a college student trying to establish credit and I do not want this to affect my present or future credit history. 

When contacting the financial institution I requested to speak with a manager three times. It was clear that he did not want me to speak to a manager. After insisting he later transferred me to a manager in recovery and he was very unhelpful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with John C. Heath, Attorney at Law, PLLC (FL).
Issue: Confusing or misleading advertising or marketing

Complaint: I hired Lexington Law Firm to remove questionable and negative items from credit report and paid up front and they never performed work or promises and ask for more money

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2017 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX, XXXX and XXXX were all previously deleted and then reinserted into my file.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have previously submitted XXXX Certified Letter via USPS mail XXXX XXXX datting on XXXX XXXX XXXX and deliver and signed on XXXX XXXX XXXX XXXX the second on XXXX XXXX and XXXX XXXX requesting that a dispute be initiated for a XXXX XXXX XXXX account which is reporting inaccurate information on my Credit Report. After the dispute process this account was verified and still displays information which is inaccurate. 
1. XXXX XXXX XXXX account is reported twice with XXXX accounts displaying the same account number XXXX reporting displays XXXX additional number however it is the same account opened on the same day closed on the same day with the same high balance. 
2. XXXX reporting of this account states the account has been paid with a zero balance and the account status is unknown, while the other states derogatory. 
3. Second reporting of the account states derogatory however ; the account reports no delinquencies XXXX/XXXX/XXXX. 
4. XXXX account displays a Zero balance while the other account displays a balance of XXXX. 
I have disputed this several times the first time trans union sent a letter back saying account belongs to you. Second stated that the account is correct.

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 10-08-2015 about Credit card () with SYNCHRONY FINANCIAL (ID).
Issue: Closing/Cancelling account

Complaint: In XXXX of 2013 we used our Lowes card as a family of military veterans to purchase appliances for our home. We had planned to pay off the card before the introductory interest and service fee period ran out. Unfortunately, I had XXXX, so we were unable to pay off the debt ; due to my sudden permanent XXXX. We contacted Lowes and let them know, and the qualified us for an assistance program, that was supposed to withhold interest and fees, that they never actually put us on. We owe {$1700.00} on our Lowes card. After the egregious " service '' charges, interest fees, etc came through on our account, that sum is now {$5200.00}! That is {$3400.00} in charges! For what?! We have been making the payments that we can. We have already paid {$1000.00} in their horrendous fees. I am now protected by the XXXX, and I am told by the XXXX that because of my status as a XXXX person, we can get some or all of the debt discharged. Today, XXXX/XXXX/2015, I was told by XXXX that that is n't true. That they do n't have any allowances for XXXX people, and we should have paid the card off, because this extra {$3400.00} is our " punishment. '' Imagine that. Nearly {$3500.00} " punishment '' charge added on for becoming XXXX. This seems so very wrong wrong wrong.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/24/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: While reviewing my TRANSUNION credit report, I noticed an unauthorized and fraudulent inquiry conducted by XXXX, on XXXX/XXXX/2015. I did not authorize this inquiry and this gross negligence on the part of XXXX employees is a serious breach of my privacy Act and in violation of FCRA Section 1681 b ( c ). 
I did not sign any written consent authorizing employees of XXXX to view my credit report for any purpose, thus, the inquiry was an illegal conduct.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Mortgage (FHA mortgage) with Selene Finance LP ().
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to sell my home for 4 years now with no happy resolution. My home loan was through XXXX XXXX XXXX who constantly told me they were missing paperwork for my short sale package. My loan was bought by another company, Selene Finance. After they approved my short sale, I had a buyer. We were due to close the selling of the house for months as Selene kept delaying the final paperwork. After six months, the buyers walked away. They, and I were overly frustrated that the closing paperwork kept getting delayed. Here I am, an XXXX service member XXXX and I own a property that I ca n't afford. My credit is taking a huge hit and I 'm overwhelmed with trying to sell my home and support my family.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: There is a public records on my credit report with XXXX stating that I had bankruptcy that is being reported in error. I 've contacted the furnisher listed on my report using the address that they have reported to verify my account, but the letter returned to me as " not deliverable ''. 
I then contacted XXXX and informed them that they are reporting erroneous information on my file. They 've responded as " verified '' and information remains. XXXX continues to report false information. 
I 've also contacted the organization that XXXX claimed they verified the information from and they have not responded to me. 
This is very damaging to my credit and I I demand this furnisher be removed from my file that they are reporting. It is hurting my credit. I get no verification authenticating that this account belongs to me. 
I 've attached my initial letter I 've sent XXXX along with the response they 've given me of my dispute. It does not makes sense to me to keep information in my file that do not belong to me nor if I ca n't verify with the furnisher of validation that this account does indeed belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Debt collection (I do not know) with MRS BPO, LLC (SC).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Not my Loan?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Debt collection (I do not know) with The CFM Group (MI).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: XXXX from XXXX, or Consumer First Management XXXX has been continuously contacting me about a debt that I apparently owe from 10 years ago. He continues to call from a different number every time, one time it was an XXXX number, the next it was a XXXX number and the last time was from a XXXX number XXXX. I asked him about the debt that I owed and he said that there was mail that went to my house and I never responded to it. I never got a letter from his company and didnt throw anything away. He stated that it was sent and that he could not get me any paperwork showing what I owed as he would have to file a judgement against me in order to obtain that paperwork. He gave me the file number for the case and said that if I wanted to call the company that it came from I would need to get ahold of them and find the original paperwork. I did get a hold of them and they dont have record of it as it was over 5 years ago. He keeps telling me that it is going to cost me a lot of time and money to resolve this. I am confused as to why I would be taken to court over something that is 10 years old, and over something that he can not and will not provide paperwork on. He has called me 7 times in the past week and before then everyday even after I spoke with him about the debt. I told him I was not familiar with the XXXX. I have looked them up and can not find their information anywhere. This XXXX XXXX said that if I do not respond he was going to take legal action against me. They call at all hours of the day while I am at work and while I am at home.

Company response to consumer: Closed
Consumer complaint received 01/14/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (DC).
Issue: Unexpected or other fees

Complaint: The company coinbase charged my {$16.00} to send {$2.00} to my friend. There was no transparency on the fee being {$14.00} prior to the transaction. That 's unreasonably excessive. I ca n't cancel the transaction either! It 's not fair to charge me way more than what I sent and charging me without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Debt collection (Mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: My mortgage is being serviced by NationStar Mortgage and I keep receiving robo collection calls even after notifying them that I am under Bankruptcy protection in a Chapter XXXX case.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Debt collection (Federal student loan debt) with Equitable Acceptance Corporation (FL).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: I signed up with equitable acceptance on XX/XX/2016, when they called they said they were with the government and that they could help me get student loan debt relief. I was told I did n't qualify to have my student loan completely forgiven but I would only owent {$2000.00} from my $ 10,000+ student loan I would have to pay them $ XXXX month for their service. I agreed believing I would only owe {$2000.00} of my loan. It 's been a year I have paid them {$590.00} and I found out I still owe navient {$10000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (FL).
Issue: Loan servicing, payments, escrow account

Complaint: re numerouse complaints against, XXXX /wachovia bank / wells fargo bank, fraudulent forclosure / predatory lending/ forced home owners insurance, lets start XX/XX/XXXX, wells fargo bank say i missed 3 consecative mortgage paymants, that is a bare faced lie, i have all the proof of paymants international wire transfers, recieved and cashed by wells fargo bank, i was over paying on my monthlly paymant incureing a over paymant in excess of a {$1000.00} credit also my escrow acount was in credit of over {$5000.00} credit .for taxes and insurances paid, This is what wells fargo bank .Fraudulently did, They started forclosure preseedings, stating i was 3 paymants in arears, Then closed my escrow acount sending XXXX large checks to my insurance company, totaling {$5000.00} insurance was already paid for the year,? This deceptive act was deliberate act to deceive and deprieve .knowingly that the insurance company will send back the XXXX checks to the bank, wells fargo then fed the funds fradulently back into a closed escrow acount, the wells fargo fradulently made the amounts look like they were older paymants, they call this cooking the books? There were no missed paymants mortgage acount in credit of {$1000.00} when they refused paymant saying acount closed in forclosure and escrow acount in credit {$5000.00} on this day XX/XX/XXXX There was no grounds for forclosure in credit of {$6000.00}, also wells fago have a co signed insurance check for damage i had repaired for {$2500.00} that make my acount in credit forover $ {$8500.00} credit no grounds for froudulent forclosure, as a consumer why have i not been treated equal to americans, preadatory lending XX/XX/XXXX lending 50 % 0f house value {$520000.00} loan amount {$250000.00} Then forclose this is organised crime act of lending please explane why wells fargo bank have not been brought to justice for fraud and perjury committed between XX/XX/XXXX to XX/XX/XXXX crooks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Bank account or service (Other bank product/service) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Making/receiving payments, sending money

Complaint: After receiving a " Payoff '' amount from Beneficial Mortgage in XXXX, 2000 in the amount of {$5000.00}, I paid this amount at the agency in full. 17 years later, Beneficial reports a charge-off to the IRS in the amount of {$5000.00}. The IRS sends me an outstanding tax bill since this was reported to them on a XXXX. 

I challenged Beneficial and was told I underpaid in XXXX2000 by {$750.00} and therefore, after accumulated interest over 17 years, they decided to charge it off instead of seeking payment. I have NEVER received a late notice, balance due or adverse payment history on my credit report from Beneficial. How can they do this? The bank I paid this account through is no longer in business XXXX XXXX XXXX XXXX Bank XXXX. And even if they were, I was told, records this old would not be maintained. There are XXXX of complaints against Beneficial on the web site all siting similar experiences. What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: Dates showing I missed payments when I was still in school. Payments should have not been due until after my semester ended.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (CA).
Issue: Loan modification,collection,foreclosure

Complaint: In XX/XX/2016 I applied for a HAMP loan modification from U.S. Bank. My husband 's untimely death due to XXXX forced me to request a loan modification. I provided all the paperwork required by the bank as well as additional documents requested after my weekly follow up calls. In some instances I sent documents 2 and 3 times. I was recently informed that my request was denied due to lack of documentation. This is completely frustrating as I provided all that was requested and then some. Plus on several occasions I was told that nothing was required. So to be told I did n't provide enough documentation is ridiculous. It is my firm belief that my application was rejected without cause.

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