milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/23/2015 about Credit card () with STERLING JEWELERS, INC. (KS).
Issue: Delinquent account

Complaint: I had an account with Kay Jewelers and it was discharged through chapter XXXX bankruptcy in XXXX XXXX. On my XXXX dispute it continues to show a late payment for every month starting XXXX XXXX - XXXX XXXX. This is completely inaccurate considering I was in active bankruptcy from XXXX XXXX - XXXX XXXX. I have disputed these late payments with XXXX and the creditor both with no resolution so I am now submitting a complaint with your office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Debt collection (Auto debt) with TOYOTA MOTOR CREDIT CORPORATION (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX/XXXX/XXXX {$370.00} XXXX XXXX XXXX XXXX claims there is an unpaid lease charges reported by Toyota Financial Services. XXXX XXXX claims I HAVE TO DISPUTE THE VALIDITY OF THE DEBT within 30 days, otherwise they will ASSUUME this debt is valid. I called their provided number and I have reached is a voicemail. 

I received a letter from XXXX XXXX XXXX dated XXXX/XXXX/XXXX all obligations have been fulfilled and their record shows a XXXX balance. 

I have also called XXXX XXXX XXXX today after receiving the letter from XXXX XXXX XXXX XXXX, and confirmed my lease payment has been fulfilled and account was closed since then.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Bank account or service (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Making/receiving payments, sending money

Complaint: XXXX XXXX, XX/XX/2015Dear CFPB, I use the HSBC bill Pay from my checking account. 
On XXXX XXXX and XXXX XXXX I made XXXX payments. They mananged to pay the XXXX ... but I am still missing {$2000.00}. 
XXXX XXXX : {$120.00}. XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX : {$1000.00} XXXX XXXX XXXX have now spent over XXXX hours on the phone with HSBC associates and they now say its the Bill Pay vendor that is the problem and they are trying to trace my money. 
HSBCs vendor is their problem -- HSBC is responsible for paying my bills. 
Today I have now ( after XXXX more min on the phone today ) requested that the {$2000.00} be returned to my account ... HSBC says that they may be able to return {$1000.00} -- to my account -- in the next few days., but the other payment XXXX XXXX. ( bills are to be paid in XXXX bus days ) .has been processed and I will need to wait yet another XXXX days for the bill to be paid. I pointed out that this will mean that they have held {$1000.00} for XXXX days. My Credit card, has not received this payment.. 
Today the HSBC associate said that they had a new BillPay service and that I was suppose to " refresh '' my Bill Pay list, however he could not tell me what I had to do to refresh the list. All of my payees remain the same ... The only changes have been internally at HSBC. 
I have done everything I can possibly do ... Over the weekend I spent XXXX hours on the phone with HSBC, I have excahanged Bank Mail. XXXX XXXX HSBC associate hung up on a conference call with my Credit card rep. XXXX At this point I dont know what you can do, but I wanted to register this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Subject : Regarding Loan Number XXXX Ocwen Loan Servicing, I just received a notice that my monthly payment will increase to {$2100.00} on XXXX XXXX that is a whopping 117.05 % increase in my monthly payment!!! 

this loan was not originated but Ocwen but IndyMac Bank which was shut down then the loan servicing was transferred to Ocwen. 
the dishonest loan officer at IndyMac Bank inflated and falsified my income to qualify for the loan. 

it was my understanding from the loan officer that the interest only payment is 10 years but my payment could only go up 7.5 % after that. 

I am XXXX yrs old and have lived in my home for 26 years. I was recently laid off my job and looking. 
My only income is SS and a small pension. 

I might need a loan modification to continue if I can not find work. 

How can you help me? 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Loan XXXX

Company response to consumer: Closed
Consumer complaint received 11/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX,2017, I mailed out a letter stating that I did not authorize credit from your company. I would like for you to prove to me that I was the person requesting credit from your company.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Debt collection (I do not know) with FIDELITY CAPITAL HOLDINGS, INC (TN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I 've attempted several times through phone calls, letters, and emails - even the XXXX - to verify this debt that Financial Services claims I owe. However, they have never responded, not even to the XXXX. 

This is no verification - which I am entitled to - that this is a valid debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Credit reporting () with Credit Karma, Inc. (CT).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I am in bankruptcy since XX/XX/2015. I have been utilizing credit karma to monitor my credit and score since then. With this week 's credit karma update my scores ( XXXX and XXXX ) were finally high enough to pursue a business opportunity. The company I was working with pulled my credit and much to my dismay one of my scores ( XXXX ) was no where near what credit karma had reported, with different negative information being reported. Also as part of being in bankruptcy we should be offered all bankruptcy protections including the automatic stay which prevents negative credit information from being reported from the time of bankruptcy filing, i.e. XX/XX/2015. Credit karma has one creditor on my report in the collection accounts portion of the report, and also listed as included in bankruptcy, which is double hitting my credit score as well. One for being in collections and another time for being in bankruptcy.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2015 about Bank account or service (Other bank product/service) with BB&T CORPORATION (MD).
Issue: Making/receiving payments, sending money

Complaint: CLAIM AGAINST BB & T, WHICH THE CFPB REGULATES, FOR VIOLATION OF CONSUMER PROTECTION LAWS In XXXX 2014 ( my dispute with BB & T has gone on for months ), I called the Fraud Division of BB & T and reported criminal activity on my account. XXXX Sunday, I found myself locked out. I called the office of a company which purported to be in the locksmith business. I told the dispatcher that I needed to have my front door opened and a mailbox key made. He told me that the price for the work would be {$120.00}, which I agreed to pay. However, when the locksmith finished the job, he presented me an invoice for {$440.00} and threatened me physically if I did not sign the invoice. Under those frightening circumstances, I signed. I may have gotten a few facts wrong when I reported this incident in my initial letter to the bank, but I was so traumatized by these events that I had to process them with the help of a psychiatrist, and I shook each time I discussed them. 

A few days after the incident, I filed a report with the XXXX XXXX XXXX Police Department. XXXX XXXX took the report. During our discussion, he mentioned that the Department had received complaints from XXXX other individuals regarding a swarthy looking man who had done some locksmith work on their property and had threatened them physically into signing an invoice several times greater than the amount that they had agreed to pay.. 
Four or five months into this debate, BB & T insisted that I provide the bank with a copy of the police report. I went to the Police Department and requested a copy, but they could not find it in their files. The Department 's failure to produce the report was not terribly surprising to me since I had filed a prior complaint with the Department on a totally different issue and they could not find that report in their files either. 

I have exchanged several letter with BB & T 's Assistant General Counsel XXXX XXXX on this issue. She insists that I produce a copy of the police report before she would refund the {$310.00} that BB & T had deducted from my account. I have explained to her numerous times that I did not sign the invoice voluntarily but only because my life was threatened. I also told her that I refused to be penalized for the carelessness of the Police Department in maintaining its records. 

This is a case where a bank is oppressing a customer -- simply because they have the power, and the customer has no power. 

I hope that the CFPB can help me get my money back. Many thanks for your assistance. 

Sincerely XXXX XXXX XXXX XXXXXXXXXXXX Landline : XXXX Cell : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Debt collection (I do not know) with STONELEIGH RECOVERY ASSOCIATES, LLC (TX).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint: I have been receiving phone calls from this company leavi ng five daily voice mails.This company Is reaching out to my family members threatening them that they must speak to me or my family member will be forced liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-02-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I sent XXXX XXXX XXXX a creditors validation letter in which the are suppose to respond back to me accordingly to the FDCPA. In which, they failed to do in the allotted time frame of 30 days.

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 07/25/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: On XXXX i closed my Wells Fargo Bank checking account # XXXX, because of their poor customer service and they wanted to start charging me monthly fees. Before i closed it i complaint to their Corporate office about their poor customer service and the new monthly fees. When i closed my account the balance was {$000.00}, that 's why they closed it otherwise if there is a balance the account stays open. After six months when i tried to open a checking account with another Bank i could n't, because they reported me to XXXX that i have a unpaid balance. Still today i ca n't open a checking account with a Bank, because of Wells Fargo. Obviously their claim is Fraudulent and Malicious with purpose of revenge for my complaint. Wells Fargo is a Bank with Criminal record against millions of consumers during the " Real Estate Ponzi Scheme '' of 2008 and before. Since then continue to defraud consumers with new kind of fees and other Gimmicks. I am surprised that CFPB and the Government allow Criminal Banks like Wells Fargo to be in business today. It seems that in America Laws apply for " petty thieves '' not for " XXXX XXXX Criminals ''.

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 03/29/2018 about Checking or savings account (Checking account) with CITIBANK, N.A. (MN).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: Citibank has my checking account under review and is holding my funds preventing me from transferring money into my other Citibank account which is negative. It has been a week and I have made over 30 hours of phone calls with no resolution. I need my medication and groceries for my family and they will not give me access nor a reason to hold my wifes payroll direct deposit. It is unbelievable that they can do whatever they want and nobody governs their actions. My assumption is the company that the banks formed XXXX XXXX that causes this. To keep their fraudulent company alive they feed the banks inaccurate information causing red flags to go up everywhere and they are completely inaccurate and have no idea how to govern their technology or lack there of. Please assist the bank as you will side with them anyway.

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 07/26/2017 about Debt collection (I do not know) with Hunter Warfield, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have been disputing this collection for awhile for a collection that was placed on my credit last year for a debt that I do not owe. I 'm not understanding why this collection was placed on my account for {$5000.00}. I want this to be removed from all my credit reports immediately. I 've sent in numerous dispute letters and no action has been taken. Please advise on any updates from this issue.

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 11/15/2017 about Debt collection (Medical debt) with Grant & Weber (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: In XX/XX/XXXX or XX/XX/XXXX or XX/XX/XXXX I went to the hospital ER room for an illness. However from the paper work that was shown to me by the hospital and verified by contacting their accounting department was advised they had the inaccurate address on my file. 

The address they had was my address from XX/XX/XXXXwhen I was their for XXXX and was placed into the system by the file on their records. When contacting was advised that it was a hospital records XX/XX/XXXX error due to the insurance card they had on file during my visit listed my new address. 

No letters were sent to my new address however notices were sent to the old address which I havent resided at in over 10 years and was placed on collections. Contacted collection company XX/XX/XXXX and they advised that it was still my fault even if hospital had wrong address. 

Contacted hospital again XX/XX/XXXX advised balances owed was XXXX yet collections company wanted XXXX due to late charges even though hospital accounting staff verified insurance card had new address but all notification was sent to old address.

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 03-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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: My complaint indicated that the reporting agency is inaccurately reporting information on my credit report with no contracts. I would like the item removed completely.

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 04-04-2018 about Mortgage (FHA mortgage) with LoanCare, LLC (IL).
Issue: Trouble during payment process

Complaint: My mortgage loan servicing apperantly was transfered to a new servicing company - my automatic payment was deducted from my checking account by a company I have never heard about before. 

Both transferor servicer and transferee servicer failed to comply with the requirements of the paragraph 1024.33 of Regulation X - I have never received a notice of transfer. 

I would like CFPB to pay attention at these two servicers and audit their compliance with the regulations : XXXX XXXX XXXX XXXX XXXX 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 03-11-2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Fraud or scam

Complaint: Sent funds via XXXX, was never sent tickets.

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 01-05-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: TransUnion has an incorrect SSN on my file with them. As a XXXX, I do not have a US SSN, only an Individual Taxpayer Identification Number ( ITIN ). TransUnion has refused to remove the incorrect SSN ( which according to a " Special Message '' on my file with them belongs to someone who died in 1991 ). They have made me obtain a letter from Social Security Administration confirming that I do not have an SSN, and do not currently qualify for one ; I have obtained that letter and sent them a copy, yet they still will not remove the incorrect SSN from my file.

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 11/17/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX XXXX account # XXXX they are not showing my updated balance they need to show I have made payments or show paid in full. 
XXXX XXXX account # XXXX this is being reported incorrectly very simple investigate and updateXXXX XXXX account # XXXX they are reporting this incorrectly and need to investigate and report correctly

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I received a copy of my credit report. There is a address listed I never heard of & the spelling of my name is incorrect. The address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX. XXXX XXXX XXXX have never been used by me. I have never lived in Michigan, nor have I ever gotten credit there. I have no idea who the person/persons are. XXXX XXXX XXXX was refinanced on 2004, while I was under wage earner. I was discharged XX/XX/XXXX from wage earner. The new loan was with XXXX XXXX servicing. Someone had that account transferred/sold.

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 09-06-2017 about Mortgage (VA mortgage) with FIRST CONTINENTAL MORTGAGE LTD (TX).
Issue: Struggling to pay mortgage

Complaint: As of XX/XX/XXXX l have requested a relief on my VA Loan and mortgage payments and have filled application correctly and provided all documents, requested by lender for VA Loan Modification. 
In which in Texas Laws has a non disclosure ammendment in not disclosing your private information. 
It has been 90 days and there is no amicably remedy or resolutions in making my VA mortgage more affordable. 
In which lender knows that l am XXXX and Retired, Divorced  and live alone in my home and have XXXX Lifetime income pension, without Federal Taxes been deducted until VA Loan modification is ammended. 
Once, VA Loan Modification is ammended, than XXXX XXXX XXXX will start deducting {$600.00} to pay Federal taxes. 
I owed {$9000.00} in back taxes from XXXX, because of the high mortgage payment and lender VA loan process didnt disclose on Federal taxes not bern deducted during VA home purchase on XX/XX/XXXX. 
I have told prior lender XXXX XXXX of XXXX, Texas and First Continental Mortgage that l can not afford the VA mortgage of around  {$1700.00} or {$1800.00} @ month. 
But lenders refuse to take matters into account before selling home on XX/XX/XXXX l sign documents because lenders stating that my VA mortgage will be lowered. 
On XX/XX/XXXX l discovered Frauds on VA Loan and Escrow and filed various Federal complaints that Lender opted to pay my VA mortgage from XX/XX/XXXX till XX/XX/XXXX. 
First Continental Mortgage stated they supported me to give me financial hardship relief. 
Why didnt Lender modified my VA loan in XX/XX/XXXX and made it more affordable? 
Than on XX/XX/XXXX, lender modified loan but is was still to high for me at {$1900.00} or {$1.00} XXXX. 
I sign documents on XX/XX/XXXX because l was going through a foreclosure status as l am going through a Foreclosure status on XX/XX/XXXX. 
Why lender investors wouldnt approve VA Loan modification and lower VA mortgage payments? 
Maybe, because investors and lenders are tired of me alerting the Federal Government in reminding Federal Government of the VA  Loan Frauds and Escrow Frauds. 
I am going through XXXX XXXX XXXX XXXX and stress and fears in losing my home in been homeless on the streets of XXXX, Texas. 
My family in XXXX, XXXX has a major issues with Hurricane Irma and devastation and possible lives with be lost because of the Hurricanes. 
I am asking with resoect to lender investors to provide me with a affordable VA loan mortgage payment, so l can start making my timely monthly payments, each month. 
This is a Urgent matters on VA Loan Modification. 
As a XXXX XXXX XXXX Veteran l aporeciate the investors and lender support. 
Please, pray for my family in XXXX, XXXX as Hurricane Irma will be affecting XXXX community and my family.

Company response to consumer: Closed with explanation