milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/14/2016 about Mortgage (Home equity loan or line of credit) with WHITNEY BANK - NEW ORLEANS MAIN BRANCH (CA).
Issue: Credit decision / Underwriting

Complaint: My parents and I own a rental home in XXXX XXXX, Louisiana. We each own XXXX % interest in the property. The residential home is worth according to XXXX approximately {$68000.00}. In XXXX, we purchased the home and paid off the mortgage. A local bank, XXXX XXXX, provided us a {$35000.00} home equity line of credit at that time and took a first mortgage on the property. This loan was subsequently shifted to XXXX and now Whitney Bank due to bank acquisitions. We have a XXXX month history on making on-time payments for this home equity line of credit. XX/XX/XXXX, we were contacted for the first time by a representative from Whitney Bank stating that the term on the line of credit was expiring in XXXX XXXX and we needed to provide tax returns and financial statements for review. My parents and I submitted this information within two weeks of the request. Prior to this email requesting financial data, we have never heard from any representative at Whitney Bank despite being a 25 year client with a performing loan. XX/XX/XXXX, I was called by the representative from the bank and informed verbally that Whitney Bank was not going to renew the line of credit. They would offer us a term loan to payout the balance. When I inquired as to the reason for this decision, I was informed verbally that we were n't using the line properly. Our issue with Whitney Bank is that there was no outreach by them to connect with us as 25+years customers of the bank. There were no communications from Whitney Bank on any defaults on the terms of the loan. Nor were we given an opportunity to correct any defaults. Our complaints also include poor customer service from Whitney Bank and lack of investment in the minority community. If we were not in compliance with the terms of the loan, why would the bank representative ask us for tax returns and financial statements. If we were in default of the terms of the loan, then why request financials and tax returns?

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (ND).
Issue: Problems when you are unable to pay

Complaint: I went to a car dealer to get a car and they got the financing through a bank. I made over 20+ payments on the car and the finance company said I still owe more than what the car cost, its as if no money was made towards the cost of the car. I ask for a copy of my contract and full a full disclosure and they did not respond to my request. They claim that I was late on my payments. About two weeks later my car was towed or should I say stolen by a debt collector and no one ask me or said anything to me. I went to the parking lot to use my car to pick up my son from school and it was not there. When I called Santander Consumer USA they told me a debt collector came and took my car. That 's how I found out what had happen to my car. I have a list of questions to be answered and documents to be sent to me. ( 1 ) Credit Application ( 2 ) All accounting for the transaction ( 3 ) Full Consummation ( 4 ) Was there a Credit Sale? ( 5 ) Was all disclosure given based on Truth in Lending? ( 6 ) Was there an advance given to the dealership? ( 7 ) What was it/how much was it? ( 8 ) Who is the Creditor? ( 9 ) Who is the Seller? ( 10 ) Who is the Purchaser? ( 11 ) Who extended credit for the transaction. Any document sent to me must be Loan Level documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: There is item in collection on my credit report. The collection agency is called XXXX XXXX. Its for {$230.00} owed to XXXX. 
I have never had XXXX account. I live in XXXX and we do not have XXXX here. 
I have been trying to get copy of the invoice or some sort of documentation or proof of this invoice. XXXX is giving me run around. This has been going on since end XXXX 2015. I am at my wits end because I do n't know what to do. My daughter lives in Florida and has XXXX account. Maybe its from her, she still has XXXX and she knows nothing about this invoice. This is affecting my credit score which I have been working very hard to improve.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax did not secure my personal information and allowed it to compromised. XXXX2017

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX 's client XXXX XXXX is an identity theft victim. He was notified that someone used his information without his consent to apply for credit cards. Those application resulted in inquiries on his credit reports that the credit was notified were fraudulent related. A formal dispute of the application and inquires made was submitted to DSNB/Bloomingdale 's however there has been no response from DSNB concerning correcting this issue.

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 02-12-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Problems caused by my funds being low

Complaint: I am XXXX yrs old. Live on fix icome. I could not cover my mortgage payment so bank of America charged me a total of XXXX dollars XXXX nsf charges and XXXX XXXX fee for having my account negative. for 3 days. I spoke to them thet said they could only reimburse me XXXX. I told them I had contacted the bank but they could not do anything because it was automaticlly going to take XXXX tries to withdraw the money. Yet Bank of America still kept charging me nsf fees. Which I think is an abuse.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/19/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My personal information was compromised. Someone is trying open up credit card accounts in my name without authorization. When I called the individual companies, they said they can not do anything about it. 
Here are the inquiries in question. 
XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX I am requesting validation, made pursuant to the Fair Debt Collections Practices Act. I am requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to run my credit. 

XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX CARD XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX CARD XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2018 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (CO).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: In XX/XX/XXXX, I had a substantial amount of XXXX work scheduled to be done and the XXXX  office offered the option of using XXXX XXXX credit card from XXXX Bank, that offered a no interest payment plan for two years. The first minimum payment was due on XX/XX/XXXX, and the final payment due in two years. I was encouraged by the bank at that time to sign up for paperless billing, which I did. I began making payments well above the minimum to be sure it was paid off before the two year deadline. The initial charge was for {$7400.00} on XX/XX/XXXX and we were told by the XXXX office that it would be 24 months, no interest. As the XXXX work progressed there were three additional charges : {$1800.00} in XX/XX/XXXX, {$1300.00} in XX/XX/XXXX and {$780.00} in XX/XX/XXXX ( dates may be a little off ). Each time before we charged these amounts to the card, we first asked the XXXX office if it was the same 24 months, no interest. We were told it was. Based on the information that we were given, each of these charges would have been paid in full within the appropriate time frame with the monthly {$500.00} payments I made. I never missed, or was late on a payment. 
After making the XX/XX/XXXX payment, my balance was {$380.00}. On XX/XX/XXXX, I received an email alert that my XX/XX/XXXX statement was available. We were in the middle of moving, and I didnt want to forget the payment, so I made it early ( so I thought ) on XX/XX/XXXX. I noticed that the email showed a statement balance of {$2500.00}, so I checked the account and saw {$2100.00} entered twice, once as an adjustment. I thought that this was a charge and a credit, which would XXXX out. On XX/XX/XXXX, when I saw that there was still a balance of {$2100.00}, I immediately called to find out why. I was told by XXXX, that the promotion ended XX/XX/XXXX, and I was charged the full interest. After reviewing the situation, I called customer service, again, and spoke to supervisor XXXX. He explained that the additional charges were for different time frames, not 24 months, and the bank applied the payments first to the later charges, because they were due sooner, and then finally to the original charge. I was told by the XXXX office that each amount we charged was payable in 24 months, no interest. That would mean that the payments would be applied to the initial charge first and all payments would have been made within the time frame. XXXX advised me to contact the bank via fax to XXXX to explain the situation and request the interest charge be waived. I faxed the letter on XX/XX/XXXX, with a follow up on XX/XX/XXXX, after I had remembered additional information. To date, I have not heard back from the bank. 
For these reasons, I am disputing the interest charge and requested that the bank reverse the charge so that I have a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2015 about Debt collection (Medical) with Remit Corporation (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had received a medical debt from Remit corporation, I put in a dispute against them because it was a workmans comp claim, I then was contacted by XXXX XXXX XXXX who was also claiming the same debt. I filed disputes with both company 's and Remit Corp had it removed, I have made several contacts with XXXX and they continue to deny my request they are very rude and disrespectful even after I submitted the paper work to them. I want this debt removed based on that I XXXX her owe this debt or I 'll be filing a law suite !

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 02-09-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: The company removed information pertaining to fraud on my credit report and has made the information inaccessible to. Furthermore the company has refused to remove addresses that are posted fraudulently on my credit report and has demanded personal identifying information from 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 02-12-2018 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My loan is with Santander Consumer. I bought the car at the dealership and the bank opened 2 accounts for the same car. I referred to an oficial of the bank and they said that the dealership created the problem but they will fix it. Santander oficial instructed me to stop payments until one of the account was closed, I follow their advice as told, I paid around 3 payments in just one time and my credit report took a dive from XXXX to low 600. I have called them many times and now they said that they do not have a record of all that happened. I have had credit card denials because my score shows a charge off which is incorrect. Santander Consumer has not give me an answer or return my calls in the last 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Checking or savings account (Checking account) with TCF NATIONAL BANK (IL).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: My account is never up to date my bank info is never correct can you please fix this asap

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: card is charged for the same amount of my payments made to pay off debt. the " return '' charges show up as purchases and capital one will not remove these fraudulent purchases. instead dropped off my account from credit bureau report and sent my account to collections..

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Problems caused by my funds being low

Complaint: Citizens Bank continues to charge overdraft fees to my account and yet their balance does not reflect my being in the negative on my account ... I am aware that I have overdrafts before and i have paid those up ... but it seems now every time I make a deposit now I am getting charged these fees like they have somehow flagged my account as " get this XXXX '' ... .when you speak to them they give some Mumbo jumbo about how the bank statement does not reflect the deposits and negative balance always ... .so wait you mean to tell me they as a bank ca n't even keep track properly

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I signed up at XXXX 's XXXX XXXX in XX/XX/XXXX. I moved from the XXXX area XX/XX/XXXX, and cancelled my service with the gym within their contract by providing them the rent agreement. They still charged me for 3 months, and each month I disputed through my credit card, got my money back, talked to a manager who told me it was " fixed ''. During this, my credit card changed due to the incorporation of a chip, which was mandatory, and the charges naturally stopped appearing due to a changed CC number. Now it is 1.5 years later, and I received a debt collection notice in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Debt collection (Other debt) with Credit Protection Association, L.P. (ME).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Credit Protection  XXXX    XXXX , Texas This collection agency has tampered with my good credit. I intend to bring civil suit against these criminals. They should be vigorously investigated for their criminal collection practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Consumer Loan (Vehicle loan) with Advance America, Cash Advance Centers, Inc. (TN).
Issue: Problems when you are unable to pay

Complaint: I ended up in a financial bind as a single mom with no help or support and no government assistance and ( should have known better ) got a payday loan then title loan through Advance America. I had a XXXX in the family and suffer an illness that has caused me to miss work. I 've asked for leaniency with this company and they call me XXXX times daily while at work, show up at my boyfriends home and leave notes on his door, call my daughters phone XXXX times daily and they have been asked to stop doing all of this. I would gladly work with them and pay my debt if they were n't so intrusive, rude, showing up at my door as I am literally too sick to move and throwing their business card at my child, snapping at her and demanding that she tell me to " call her TODAY ''. My daughter is at school and feels harassed. I feel both humiliated and harassed. My physical illness is worsened with the stress these bills have caused me. I had to do what I had to do to support myself and my child. They were n't the smartest choices but I made them. I 've tried to scramble to come up with solutions but them harassing me is slowing down that process. If they show back up at anyone 's home ( because they are not professional nor do they follow privacy laws ) again I will remove them from my property myself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2016 about Debt collection (I do not know) with Pinnacle Credit Services, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: THIS COMPANY IS SENDING ME A BILL FOR AN ACCOUNT I DO NOT OWE ON. APPARENTLY THIS DEBT WAS PURCHASED FROM SOMEONE ELSE WITHOUT VALIDATING IT. 

I DO NOT OWE THIS DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ATG Credit, LLC (SC).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: debt collection remaining on credit report after 50 days dispute process violation of FDCPA, credit reporting on all XXXX bureau disclosure of verification Delete all collection from all XXXX credit bureau reporting agency

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NJ).
Issue: Deposits and withdrawals

Complaint: I had money debited out of my wells fargo account in XXXX 2015. {$1300.00} and some change I contacted Wells Fargo to stop the transaction and dispute it. I was later told they could not tell whether I gave my card away to someone to use it so they denied my claim. None uses my account. I lived alone then. No one had access to my card.The rep told me maybe I made a purchase in the store. I told the rep I was at work and the proximity of my job and where the transaction was done was not anywhere near close to each other. I have attached a copy of my time sheet which i have faxed over to wells fargo and received nothing back from with regards to receiving it or not.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Debt collection (Medical) with Retrieval-Masters Creditors Bureau, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Hi, I would like submit a complaint about a Dept collector trying to collect a Debt I never authorized this is a Fraudulent dept. Original account holder has no record of me authorizing this charge. I never authorized this charge. American Medical Collection Agency continues to attempt to collect a Debt that was not Authorized by Me. 
They have sent me threat letters stating they are going to put it on my credit report, again I did not authorized this Debt charge. Please have this collector stop Harassing me. with letters and calls and have the Debt collector remove the account from my Credit Files.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: calling me 6-8 times a day, even after hours ( XXXX-XXXX ) and on the weekends as far as I know business hrs are Monday to Friday XXXX to XXXX, I ve already responded to them about payment ( which is fixed ) but they continue their phone tacticts

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: ATTENTION CFPB : I would like your attention regarding Equifax 's terrible investigative results. They have not verified my disputed account at all, they have not rpovded me with absolutely any results. I have almost XXXX Mortgage accounts, all in perfect standing, with XXXX XXXX XXXX and equifax could not even tel me which account they verified and how and with what documentation. Again, my caner is that this false and inaccurate account is affecting me negatively and has mixed in with my perfect credit report. I have XXXX accounts and it seems like Equifax has no answer as to what they verified exactly. This is why I am conceived that they gave not investigated my matter. Please check my reinvestigation results and see for yourself that there is no proof, no care and no professionalism in the way in which they handled my investigation regarding a misinformed account begging with XXXX ... It is not professional to report this account which is riddled with wrong information, dates and joint signatures information. I am not associated nor responsible for it, but they need to understand that the remaining accounts are indeed XXXX. A joint account was never signed by me, the others are mine. They can not provide my signature nor can XXXX XXXX XXXX, it need to be deleted immediately. Please see that they do not follow the LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Debt collection (I do not know) with Century Credit & Collections, LLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have mailed this collection company requesting debt validation. But have only received a letter of " an attempt to collect '' with my name and a total of how much I owe. with no other information or proof from an original creditor/company, showing that i owe this amount of money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation