milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/27/2016 about Bank account or service (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Account opening, closing, or management

Complaint: I received an offer from HSBC bank to get {$350.00} if I open a checking account and keep {$3000.00} balance for 3 month and pay 2 bills per month from the checking account for 3 consecutive month. I did all of this for 3 month and today I received a letter from the bank that they are now closing my account because of some " Rules for Deposit Accounts '' and of course they did n't honor the {$350.00} bonus that they advertised. Very strange, that they opened this account, kept it for 3 month and used my money and when it come to pay the bonus, suddenly I am not qualified for the account. I think it is a fraud on their part and I will bring this matter to the Attorney General 's office and Federal Trade Commissioner if it 's not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: About a month ago I called Capital One to increase my credit line. My credit card has a credit limit of {$2700.00}. I wanted the amount to be increased to {$3000.00}. I called and asked the representative if I get a credit increase will this be a soft hit on my credit or hard? Since I have been with Capital One is it possible to receive an increase on my credit card. The representative tried to increase the credit and I was denied. He then told me that I could apply for another card. I did not want another credit card at the time I just wanted an increase. I did apply for the credit card and was approved for a credit limit of {$3000.00}. I have 2 concerns with this issue. The first is that I only wanted the credit increase for {$250.00}. I was denied and this went on my credit. Then I had to apply for another card and was approved but the interest rate is 26.99 % which is ridiculous. I now have the second card in which I really did n't want but I am responsible for it now. The interest rate when applied to my card is {$60.00} in fees. If I pay {$30.00} a month which is what is asked by Capital One for this second card I am not even making a dent in the paying for the card. I would like the fees and APR lowered.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Debt collection (Other debt) with ERI Financial Services (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX reporting XXXX XXXX account XXXX original assign date was XX/XX/XXXX and was disputed in XX/XX/XXXX with XXXX  with no response from XXXX. XXXX has now changed their reference number and reported in XX/XX/XXXX without ever validating the debt. It was reported to XXXX and XXXX. Also XXXX is showing on both CRA reports conflicting dated and information that differs on both reports intent to re-age the debt.

Company response to consumer: Untimely response
Consumer complaint received 08-08-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TX).
Issue: Fraud or scam

Complaint: On XXXX/XXXX/XXXX, I was trying to purchase a concert ticket from someone ( XXXX XXXX ) in Maryland, whom I met online. The person said Wal-Mart had a Moneygram service we could use which would not let the receiver pick up the money without receiving a reference number that comes printed on the ticket. Wal-Mart confirmed that this is how the service works. I set up the money transfer for {$200.00} and received Reference Number 1. The same day, I received a call from the person saying that she did not have her ID and needed me to change the name on the Moneygram transfer to her friend 's name, " XXXX XXXX ''. I went back to Wal-Mart and they could not find the transfer based on the Reference Number 1. Apparently the reference number had changed somehow. Wal-Mart could not explain it. The transfer reference number had somehow changed to Reference Number 2. Wal-Mart was able to track down the transfer by calling someone, and said they would put in the new name on the transfer and would provide me a new reference number ( Reference Number 3 ). When I did not receive the ticket in the mail, I went back to Wal-Mart on XXXX/XXXX/XXXX and tried to pick up my refund. Wal-Mart said the money had already been received by XXXX XXXX and that I was not bale to receive a refund. I filed a complaint with Moneygram and they said they could not give me a refund. I believe the Moneygram service is flawed and they should reimburse me my {$200.00}. If people can use the service to scam people without receiving a reference number, then Moneygram should fix the problem or reimburse those who get scammed..

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I was amazed when I viewed my Equifax, XXXX and XXXX credit reports and realized that I was reported as having a late payment on the date below : 30 days past due as of XXXX 2017 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time. I did recently move and not sure how this could happen. I have never had a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (MI).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: It was a Sunday morning before XXXX MCM debt collectors called me about my father 's account which I have no business with

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Ray Klein, Inc. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Collection was reported to my credit report for an account belonging to my deceased mother who resided with me ; I never signed on the account. Reported by : Professional Credit Service # XXXX XXXX XXXX, OR XXXX Ph. XXXX XXXX XXXX Debt appears to be from XXXX XXXX phone service

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
Consumer complaint received 04/13/2017 about Mortgage (Conventional fixed mortgage) with ASSURANCE FINANCIAL GROUP, LLC (LA).
Issue: Application, originator, mortgage broker

Complaint: My credit report was pulled by an Assurance Financial representative without my consent.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-01-2016 about Debt collection (Non-federal student loan) with Weltman, Weinberg & Reis Co., L.P.A. (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Filed Chapter XXXX bankruptcy on XXXX XXXX, 2016, this information is readily available on my credit report, through subscription services, and public record. Whether or not a debt is dischargeable or not, it is a requirement that all creditors abide by the " automatic stay '' instituted by the United States Bankruptcy Court. This particular collection agency did not follow this rule, nor can they claim ignorance of the filing as the proof of filing is readily available as previously mentioned. In fact, proof exists that the original creditor is listed on the bankruptcy petition. This agency made 11 phone calls and left the same scripted message during the " automatic stay '' provision, from number XXXX, the recordings have been saved. The dates and times are as follows : XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I sent this letter to Equifax on XX/XX/XXXX, but they have not responded yet.

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 11/26/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (VA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: XXXX XXXX/JCPENNEY CARD ... closed my account without any noticed, this is the second time they have taken action on my account with out personal notification to me. I found out when I went to use my card. I paid my card off in full in XX/XX/XXXX. 

HIghly disappointed ... they MAKE NUMEROUS INQUIRIES on all of CREDIT REPORTS since the account was open with out my knowledge

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 06/30/2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: XXXX XXXX XXXX reported me dead.. While after 10 days they have corrected their mistake I can not get verification from them for another 10 days so I can not open a credit card, rent a car as I have no credit card they have me stopped at every turn. The worst part is no one at XXXX XXXX XXXX can or will do anything to help. I simply asked for a letter from them emailed or faxed to me saying they made a mistake so I can open a credit card account.. That will take 10 days to go through their system and Equifax has 30 to 60 days to correct their report. This is unacceptable since they made the mistake they should be able to correct it immediately. XXXX XXXX XXXX customer service is awful. Hope I survive long enough to see this corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (FL).
Issue: Unauthorized transactions or other transaction problem

Complaint: Good afternoon, My name is XXXX XXXX XXXX I am having a huge issue with PayPal and I beg for your help. 
A few months ago I had a event in XXXX Florida, my family XXXX XXXX and local XXXX to XXXX. My sales rep. displayed our XXXX at a Golf Event and sold 5 XXXX. Not being familiar with PayPal as I usually use XXXX, I asked PayPal if It were ok for us to invoice and deliver XXXX. I was told yes and that I was covered and protected. I emailed a invoice to each of the buyers, from what I am finding out all of them know each other and from the looks of things are scamming me. Invoice was notated XXXX were delivered and non refundable. 

We sent the buyers each a invoice. 
Invoices : 1. Invoice # XXXX XX/XX/XXXX, XXXX XXXX. Sent a {$4000.00} USD invoice to XXXX. 

XXXX. XXXX # XXXX XX/XX/XXXX, XXXX XXXX. Sent a {$4000.00} USD invoice to XXXX. 

3 Invoice # XXXX XX/XX/XXXX, XXXX XXXX Sent a {$4500.00} USD invoice to XXXX 

4. Invoice # XXXX XX/XX/XXXX, XXXX XXXX. Sent a {$3000.00} USD invoice to XXXX. 

5. Invoice # XXXX XX/XX/XXXX, XXXX XXXX Sent a {$4100.00} USD Invoice to  XXXX. 

All buyers paid for the XXXX and weeks later started reporting the transactions as unauthorized. After speaking to PayPal on several occasions I was told not to worry that would not let this happen to me and the investigation could take up to 6 months. 

On 2 different occasions when these buyers reported transactions unauthorized, I called PayPal and both reps immediately put my account to a positive balance instead of negative again saying they would not let the buyers get away with this. 

Not even a month went by and PayPal decided on the buyers side and started refunding these people there money back. Leaving me without my XXXX and a extraodinary negative balance on PayPal. I am concerned about this as I take care of my credit and have never had a issue before with a negative balance anywhere. I hope CFPB can help me with this matter as I have already consulted a attorney and this is extremely expensive. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: On XX/XX/XXXX XXXX XXXX ( XXXX ) was notified to cease contacting me regarding a credit card debt ( letter attached ). The debt was sold to Portfolio Recovery who attempted to collect on the same debt. Portfolio Recovery was noticed to cease contacting me on XX/XX/XXXX ( letter attached ). On or about XX/XX/XXXX, I received another collection letter from Portfolio Recovery ( letter attached ). In my letter of XX/XX/XXXX, Portfolio recovery was requested to send to me verification of this debt and supporting documents. They never responded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/19/2017 about Student loan (Private student loan) with AES/PHEAA (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: AES claims that I owe them an amount ( and will not disclose if this amount is the final amount or if I will owe more in the future ) on my private loan consolidated in XXXX through XXXX XXXX now XXXX. AES claimed I refinanced not consolidated in full, so I owe them money. I have paper work showing they were consolidated in full and emailed these documents to AES. They never replied but continued to harass me with phone calls after I asked them to stop, and ruining both my credit and my co-signer 's credit. Neither company upon request will contact the other on my behalf. This has been going on for over a year. I make a monthly payment of $ XXXX to XXXX every month. I feel that I am being responsible for paying my student loan on time. My private loan to XXXX is over {$25000.00}. AES wants amounts of {$290.00}, {$130.00}, {$270.00}, and {$170.00}. They tried to collect with a lawyer and I contested asking for proof. All I received were the original loan documents not any paper work on the consolidation or so called refinancing. All the paperwork AES sent states that the last day of payment was XX/XX/XXXX. XXXX is when I consolidated my loan with XXXX/XXXX XXXX. The original principal balance of the consolidation loan I took out through XXXX XXXX was {$32000.00} and the paper work says paid in full. The loans paid in full were through XXXX XXXX/XXXX XXXX XXXXXXXX. One at {$8000.00} in XXXX, {$3500.00} in XXXX, {$8000.00} in XXXX, and finally {$5000.00} in XXXX. I have tried several means of communication and I give up. My next move will be to find representation if this is not settled in my favor. I received a letter from AESnon XX/XX/XXXX, stating they received a directive from my lender to delete trade lines assoc with my loans issued by NCT. I thought the worst was over. However, my husband and I are trying to get a mortgage through our credit union but my score is too low. I called AES and they said their accounts show me as defaulted and they have turned the matter over to NCT. AES claimed no knowledge of my letter from AES ( on official letterhead stationary with all my account numbers ). Meanwhile non of these companies will contact each other and I am being abused. Please help. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Checking or savings account (Other banking product or service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I had already spent over 10 hours with customer support at Bank of America.
I had opened an account on XX/XX/XXXX based on {$300.00} cash bonus if I deposit {$4000.00} into my account.
My account was opened with   XXXX   XXXX  , BofA,   XXXX   XXXX   XXXX  ,  XXXX , CA  XXXX .   XXXX   XXXX   XXXX  . (   XXXX   XXXX   XXXX , AVP ) Two direct deposit went into my account from my employer on  XX/XX/XXXX  and  XX/XX/XXXX .
My employer is   XXXX   XXXX  , I work for   XXXX   XXXX  , this is my Bank email address.
Presently your branch is in breach of a legal contract and misrepresentation.
This is a demand for immediate payment of {$300.00} by close of business Monday  XXXX / XXXX /2017 + interests + restituions of my time spent due to repetitive follow up with BofA where BofA was very blatant with non-performance in a timely manner and in showing a purposeful intent not to resolving open escalated complaints #  XXXX .
  XXXX   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 monetary relief
Consumer complaint received 03/14/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have sent certified mail four times to Transunion ... I 've been disputing UNVERIFIED accounts on my credit report. I 've followed their protocol request to contact creditors per my phone conversation with Transunion dispute department on all unverified creditors. Every creditor have advised me that they do n't and will not contact credit bureaus under any circumstances ... They only give information once bureau requests info from them. If this is the case why Is n't the requested information I 've been requesting honored ... This inaccurate/derrogatory information is sincerely hindering my ability to refinance my properties which ballon payments are coming due in XXXX 2017. I 've been fighting with Transunion since XXXX of this year 2017. They 've not addressed any/all the derrogatory information in my credit report as of XXXX/XXXX/2017. I 'm requesting assistance in this delicate situation. Thanks.

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 08-02-2017 about Mortgage (Conventional home mortgage) with FIRST TENNESSEE BANK NATIONAL ASSOCIATION (TN).
Issue: Incorrect information on your report

Complaint: in XXXX of XXXX First TN finalized a foreclosure on a property I had financed with them. I had owned this property since XX/XX/XXXX and had built a 2nd home on it. I had built up approximately {$31000.00} in equity. I owed {$29000.00} +/- at the time they started processing a foreclosure. I asked First TN, multiple times, to please work with me as the economical downturn in the market place impacted my income directly, but they refused. I explained to them that my income had dropped and my tenants moved out without notice. I tried to rent it and was able to maintain the payments for a few months. However, I could not find a tenant. I tried on multiple occasions to convince First TN that if they would just work with me, I would get back on track and continue to pay them. First TN sold it for {$51000.00} in XX/XX/XXXX for a profit. They continued to call me to collect a balance still owed of around {$7000.00}. This continues to haunt me as they have it on my credit report as a foreclosure with an outstanding balance. It has cost me higher interest rates with new creditor, declined financing from new creditors and required larger down payment on vehicles.
I have attempted to rebuild my credit for almost 7 years now and continue to be denied for new credit. I can not finance a new vehicle, I have drove the same one for 15 years.
The ramifications of First TN not being willing to work with me has cost me immensely, in numerous way. First TN sold this property for approximately {$22000.00} more than I owed. This was equity I planned to use toward my retirement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with TD BANK US HOLDING COMPANY (FL).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: ON OR ABOUT XX/XX/XXXX AND XX/XX/XXXX. WE FILE A COMPLAINT Against TD.Bank about Problem that they need to fix we send our finical statement to the NJ XXXX XXXX XXXX. the report number was CFPB # XXXX And on or about XX/XX/XXXX respond back to consumer Financial protection Bureau CFPB ) states that they has correct the problem but failed to increase the credit that we request XXXX to fix the problem by increase line. yes they gave us our line back of XXXX but that did not fix the problem. this is not a credit bureau problem this is a T.D Bank problem iam request a XXXX increase to fix the problem and the bank do not need to pull the credit because they already pull the credit to cause the problem. in a Letter date XX/XX/XXXX from T.D.Bank they did not address the issue. the after problem from the damage that done. for drop the limit to XXXX

Company response to consumer: Closed with explanation