milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS).
Issue: Problem with fraud alerts or security freezes

Complaint: According to XXXX, my personal data was part of the security breach. Therefore, they have not been charging me for my security freeze, approximately {$5.00}. 

But I've needed to pay it with Transunion and XXXX even though I am an identity theft victim with XXXX. The millions of Americans affected by this data breach shouldn't have to go to their local police department to file a report when Transunion and XXXX can easily go to XXXX  's website to enter the customer 's last name and the last six digits of the social security number to verify the person was affected. There is nothing the local police can do about it. 

I am asking that Transunion and XXXX place credit freezes on my credit bureau at no charge and that they refund the fees they have collected since the security breach occured.

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 11/25/2016 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (TX).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: The loan that was taken out in my name, was not taken out by me. It is a fraudulent crime. The social security number on the document, the collections company that XXXX XXXX sent my loan to sent me the document of incorrect information used to access the loan, is incorrect. How did XXXX XXXX not make sure the person taking out the loan is actually the person. The social security numbers did n't add up, should 've been a reg flag there. I would like for the loan to be removed from my credit report and for the company, XXXX XXXX, to pay me for the years of bad credit ruining my chances of investments.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I would like to dispute some incorrect information found on my credit history from back in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX regarding some type of monthly payments made to Chase on an unknown account # XXXX this account never belonged to me and would like to have this information removed/deleted please call me at XXXX or email me at XXXXXXXXXXXX, asap thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Debt collection (Other debt) with Hunter Warfield, Inc. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Federal Trade Commission Reference Number :  XXXX   Hunter Warfield  has repeatedly tried to collect money from me that was paid to the employees of  XXXX   XXXX   XXXX  despite the fact that I have produced cancelled checks. I paid the company according to their instructions to the   XXXX   XXXX  . I moved out of the apartment into another company managed by  XXXX   XXXX   XXXX   XXXX .

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Transunion is not doing a thorough job in verifying inaccurate information on my credit report. When calling by phone, the reps are rude, do not understand English, and just do a canned dispute. XXXX XXXX ( XXXX ) has been playing games with my Transunion credit report for about six months. First this company knowingly placed a bogus 30-day late on my credit report because consumer researched Alabama usury law and filed a complaint with a state agency. Consumer had to file a complaint with CFPB to get Transunion to act and follow FCRA. Transunion then apologized for its error, and the 30-day late was removed, but XXXX placed a bogus balance with a satisfactory account. Consumer disputed this because the account has been PAID IN FULL since XXXX XXXX, XXXX, and then Elevate placed a delinquent balance that is different from the previous balance on the credit report. Again, Transuion, by phone dispute, stated the item had been verified as accurate. Then, another complaint with CFPB where XXXX placed back that bogus balance with a satisfactory account -- trickery. Consumer placed another dispute with Transunion stating that the account is PAID IN FULL. Then XXXX placed a delinquent account with a different balance, and Transunion verified as being accurate. Consumer placed another dispute with Transuion because account is PAID IN FULL. Then XXXX, again, placed a bogus satisfactory account with a different balance, and Transunion verified as accurate. Consumer placed another dispute with Transuion because XXXX, again, placed a delinquent account with a different balance, and Transuion verified as being accurate. Enough of the game playing from XXXX. Consumer is not sure why Transunion can not figure this out and just keep claiming they verified this back and forth, switch and bait, reporting. The integrity of this credit reporting agency should come into question. This is not fair to the consumer to let this back and forth go on. XXXX is willy nilly placing inaccurate information on my credit report to force me to pay something I do not owe!

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 Checking or savings account (Checking account) with WELLS FARGO & COMPANY (MD).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: I closed my account with Wells Fargo and for some reason, its still showing up on my credit report. I would love to have this problem fixed. I made sure my account wasn't in negative and I actually closed my account over the phone so I'm not understanding the mishap here. Thank you, hope to hear from you soon.

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 12/30/2016 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (IN).
Issue: Loan servicing, payments, escrow account

Complaint: Our escrow has not been adjusted appropriately. We acquired our home XX/XX/XXXX. We currently have a mortgage through LOANCARE. Taxes at that time were {$3100.00} annually because the home was rented out. The taxes were paid by seller for XX/XX/XXXX as part of our closing agreement. We applied a homestead exemption immediately so we could get a tax break for XX/XX/XXXX. Taxes for XX/XX/XXXX totaled {$1600.00}, which is significantly less than XX/XX/XXXX. No adjustment was made with regard to how much money the bank is collecting for escrow account. I have requested this change via email, fax, and telephone, and have not received a response from LoanCare. Very poor customer service.

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 09/30/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2016 about Bank account or service (Other bank product/service) with SYNCHRONY FINANCIAL (OR).
Issue: Making/receiving payments, sending money

Complaint: This is to complain on the fraudulent activity of the SYNHRONY bank, affiliated with Amazon Internet store. I made XXXX purchases that were applied against Synchrony Credit card. The first statement I received at XXXX XXXX 2016, which showed amount {$200.00} while I owed {$110.00} for my purchases. 
XXXX XXXX 2016, I had send letter to Synchrony bank along with my check with payment the whole amount I owed for my orders. This payment was made within the grace period, so no any late fee must be applied. ( See Exhibit XXXX ). 
XXXX XXXX 2016, Synchrony bank send me confirmation of my payment. ( See Exhibit XXXX ) XXXX XXXX 2016, Synchrony bank send me another letter, in which they continued to extort from me illegal charges {$87.00}. ( See Exhibit XXXX ). 
XXXX XXXX 2016, I send letter asking Synchrony bank to remove illegal charges from my account, otherwise I would considered it as a fraud. ( See Exhibit XXXX ). 
XXXX XXXX Synchrony bank notified me that they removed part of these charges, but {$20.00} remained as outstanding balance. ( See Exhibit XXXX ) XXXX XXXX they send me Email, continuing to extorting money from me. This time they made {$58.00} charges for nothing. ( See Exhibit XXXX ). 

Please protect me against Synchrony bank 's fraud and distortion.

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 03/21/2017 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Late fee

Complaint: Macy 's credit card charged me a late fee for no reason at all. I used Macy 's credit card to purchase some merchandise. I paid the balance in the previous cycle. During this current cycle, I returned merchandise and received refunded. Macy 's insisted that I have to pay the full amount of previous balance in light of XXXX of dollars of refunds. 

it charged me {$27.00} late fee for XXXX balance.

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 11-09-2017 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (CA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: Apparently a company called TSI has made repeated calls to my parents home phone after being repeatedly told that this not my phone number. Additionally I know nothing about this supposed debt and have not been provided anything whatsoever in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Mortgage (Home equity loan or line of credit) with BB&T CORPORATION (MD).
Issue: Application, originator, mortgage broker

Complaint: We contacted Susquehana about refinancing our HELOC. The broker explained the eligibility requirements and the terms of the loan. One of the key factors was an introductory rate of 2.49 % that would last for 12 months and then the loan would convert to a variable rate of prime minus a .25 % discount for having a Susquehana free checking account with automatic loan payments deducted from that account. The broker explained there was a loan to value ratio ( LTV ) we could not exceed taking into account our primary mortgage. We explained that the purpose of the loan was to pay off the original HELOC which was $ XXXXand to have the ability to use the HELOC for home improvement and potentially a down payment on a second home. The broker told us that we were approved for a {$420000.00} HELOC and we assumed that based on a XXXX appraisal of our home and approximate first mortgage of {$700000.00}, that this number represented an acceptable amount within the acceptable LTV parameters. We were never presented with any alternate loan figures or told that by agreeing to this amount, we would not be within the promised variable rate after the first year of prime minus .25 %. So we accepted the offer and closed on the loan. 
The first year of the HELOC payments were as expected. During the course of the year, we only used under {$300000.00} of the HELOC. However, at the one year mark, the loan payments doubled. When we inquired what the new rate was, we were told that our loan reset to prime plus .25 % ( instead of the expected minus .25 % rate ). When we asked why, we were told that our overall loan amount at closing exceeded the XXXX % LTV and therefore we were not entitled to the prime minus .25 % rate. 
The broker never explained that if the HELOC LTV ratio exceeded a certain percentage that the introductory rate would reset to a higher APR after the first year. And we were never given an option of borrowing less so we would not exceed the LTV. Indeed, we did not use 70 %. 
We immediately contacted Susquehanna and asked if they could lower the loan limit to bring us within the acceptable LTV limit but they could not. And they refused to reset the rate to the original promised rate. 
At this point we feel that they maximized the loan figure for their own benefit. We had no way of knowing this would occur or that we were not within the acceptable LTV ratio until after the first year when the rate changed. By then, it was too late and we are stuck with a higher loan we do n't need and with higher interest payments. In addition, we ca n't refinance because we would be stuck paying additional closing costs.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: there is an address showing me to have lived in North Carolina, which I have never even visited, much less lived there

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: i requested a re-investigation of the bankruptcy on my credit report and was told that it was verified through XXXX. XXXX only shows the last 4 of a social security number. I also verified this through the bankruptcy court, in order to make sure that the information is ie : the correct full social security number, is to request a court order through the Bankruptcy court, which was not done, and that is where the error is. FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of reinvestigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available Credit reporting  agencies are required to conduct investigations of disputed items with the furnisher of information. The Bankruptcy Court should be the furnisher of information, not a third party source such as XXXX or XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Using a debit or ATM card

Complaint: On XXXX I noticed that my Bank of America account was in the negative, and that an overdraft protection fee had been applied to my account without any charges prompting a negative balance. Essentially we were charged for an overdraft fee when our account was not in the negative ; this fee then caused our account to be taken into the negative. We were given an overdraft transfer feel when our account was n't actually over-drafted, and this fee ultimately created a negative account. 

My husband, who shares the account with me called Bank of America to inquire why they would post the charges this way ( some past charges were not posted in real-time ) he was told that the transactions could be deceptive but were unwilling to refund the {$10.00} overdraft fee which caused our account to go into the negative -- when there was NO need for the overdraft fee to be applied in the XXXX place.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (CA).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: Additional documents to go along with original complaint that was submitted via the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Bank account or service (Cashing a check without an account) with JPMORGAN CHASE & CO. (KY).
Issue: Making/receiving payments, sending money

Complaint: After closing my accounts with Chase Bank they sent me a credit balance refund check that Chase Bank would not cash because I did n't have an account with them. The XXXX XXXX branch located at XXXX XXXX XXXX, XXXX KY XXXX began this scam at the drive-thru window then I went inside and discussed it loudly with the bank manager who upheld the scam and refused to cash the check issued by Chase Bank. This is flat out fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Credit card () with CITIZENS FINANCIAL GROUP, INC. (NY).
Issue: Credit card protection / Debt protection

Complaint: I have made several attempts about a charged off account from Citizens one ( RBS ) bank. As this account has constantly been inaccurate, they are consistently destroying my credit report with unfair credit reporting. They have changed the information on the credit report XXXX different times in the past year alone, each time furnishing inaccurate and untrue information. I have disputed this multiple times with the credit bureaus. Further, they had a debt collector, XXXX, call my home an harass me at all hours of the night. Further they used inappropriate language telling me I am a " scumbag that does not pay my bills. '' They then threatened me that if I did not pay they were going to freeze my bank account and get me locked up in jail. The man I spoke to refused to give me his name and started to name all my family members insinuating that my family would be at risk if i do n't pay. 
XXXX XXXX 's address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NH XXXX according to XXXX. 
Further, I 've attempted to contact the company to remove this debt, but the only information I 've received from the credit bureaus is a phone number that is inaccurate. I 've been harassed and my credit worthiness has been hurt by this! I am including a snapshot of the phone number that they are reporting, which gives a disconnected line every time you attempt to call.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: In XXXX of 2016 I was late making my payment due to financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Debt collection (Medical) with California Business Bureau, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In 2013 I was hospitalized on an emergency basis. When I was admitted, I signed XXXX financial responsibility document. I was uninsured and my hospital expenses exceeded {$100000.00}, and reflected on XXXX BILL, and assigned XXXX ACCOUNT NUMBER. 

The hospital assigned the debt to CALIFORNIA BUSINESS BUREAU, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX. 

Rather than report XXXX debt to the credit reporting agencies, CALIFORNIA BUSINESS BUREAU has listed the debt FOUR times as XXXX SEPARATE ACCOUNTS with XXXX, FOURTEEN TIMES as XXXX SEPARATE ACCOUNTS with XXXX, and EIGHTEEN times as XXXX SEPARATE ACCOUNTS with XXXX. 

There is and was only XXXX ACCOUNT with the original creditor. 

CALIFORNIA BUSINESS BUREAU is falsely and fraudulently reporting XXXX debt as several as an intentional act to damage my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My accounts with :   XXXX   XXXX   XXXX   #  XXXX   XXXX   XXXX   XXXX    XXXX  #  XXXX   XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX  #  XXXX  were paid in full at  XXXX   XXXX  and are not a valid collections account, you will find the receipt of payment attached.     Please remove these erroneous accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Consumer Loan (Installment loan) with WORLD ACCEPTANCE CORPORATION (SC).
Issue: Taking out the loan or lease

Complaint: I have submitted numerous documentation to World Acceptance Corporation the first letter being submitted XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX including an the Notice of Irrevocable Estoppel by Acquiescence letter. I stated that I would be happy to pay if they would please provide validation and verification of their claim against me and to the date XX/XX/XXXX they have yet to provide me this documentation but they are still reporting this debt to XXXX credit bureaus which is a violation of the FDCPA and are still trying to collect on a debt that has yet to be validated or verified.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Debt collection (Medical) with SYNCHRONY FINANCIAL (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In 2013 I had an appointment with XXXX XXXX in XXXX for a problem with XXXX XXXX. The ad I responded to stated that is not successful there would be no cost. 
I received an XXXX that did not satisfy my problem. My problem was I signed a contract expecting good things to come from this treatment. I was presented the contract and was told this was nothing to be concerned about, just part of the process. I also told the interviewer that I would be eligible for Medicare in a few months and was covered by XXXX. The interviewer ( XXXX ) told me XXXX paid good. I made the mistake and gave him my Care Credit card showing my good faith. I received a call from Care Credit a few days later ( taken by my Wife ) asking If I was sure I wanted to continue with this account. At this time I felt I would receive XXXX. I was given XXXX XXXX to take home and use, but never got any positive response. I aske for a refund in cost paid. They asked me to make another appointment. I do not trust the clinic and fear for my health is I went back.

Company response to consumer: Closed with monetary relief