milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/21/2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I recently obtained my XXXX credit bureau reports and was shocked to find an account on there that is in my name under USAA Savings bank. It is fraudulent. It is not and has never been my account. The address listed on this account was never my address. I did not open this account. I demanded immediately all proof that USAA is providing to the XXXX credit reporting agencies to " verify '' this account. Was this opened online or at a branch? Do you have a copy of the original agreement? Was a drivers license used in obtaining the original account when it was opened? Do you have a copy of the original contractual agreement? USAA has refused to verify this account and continues to disregard multiple inquires XXXX on the phone and through the mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Conn's, Inc. (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Conn 's Home Plus is calling me multiple times daily. Just today, XX/XX/2015, they called me at XXXX, XXXX, and XXXX. They are preventing me from sleeping in preparation for my going to work tonight at XXXX. They have also called me outside the hours of XXXX to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I just received a notification that " XXXX obtained a copy of your EXPERIAN Credit Report '' from XXXX credit monitoring service. I have not authorized a credit pull and need this removed!

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 02/24/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX Experian XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX SS # XXXX DOB : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. I am writing to request that you block the following fraudulent information in my file. This information does not relate to any transaction that I have made. 
XXXX ACC # XXXX XX/XX/XXXX XX/XX/XXXX {$50.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX The items listed are fraudulent items I am requesting that they are deleted /blocked by name of source A CRA must block the fraudulent information the victim has identified within four business days after accepting her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Enclosed is a copy of the law enforcement report regarding my identity theft Please let me know if you need any other information from me to block this information on my credit report. 

Sincerely, XXXX XXXX SS # XXXX DOB : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-10-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (TX).
Issue: Other transaction problem

Complaint: I have a car loan through XXXX XXXX XXXX XXXX. I was given instructions to pay my loan from through Western Union using, " Name : XXXX XXXX XXXX XXXX City Code : XXXX XXXX XXXX : TX. '' On XX/XX/XXXX I made a payment of {$1200.00} plus a fee of {$59.00} through Western Union 's website. There was no place for me to enter a state or city code, but there was one " XXXX XXXX XXXX XXXX  '' listed. When I called XXXX over the next few days they said they did not receive my payment. I checked my conformation email and saw that it was sent to XXXX XXXX XXXX XXXX in XXXX CA. When I called on XX/XX/XXXX, they told me that they would try to reroute the money to the correct XXXX. Every time I have called since they have told me that the XXXX in XXXX CA has not responded to the request to return the money. As of XX/XX/XXXX I have made six attempts through Western Union to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Debt collection (Payday loan debt) with SFS, Inc (MI).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: XXXX XXXX XXXX company repeatedly calls my job on a daily basis harassing me and my coworkers about a debt that I do not owe. I have asked them to stop calling my job on multiple occasions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: I paid my account to less that XXXX $ by XXXX of 2006. I am currently in XXXX of the first full-time employments that I have had since, and am only several months into such employment after a severe assault. As a crime victim, I believe I have victim rights to protect me against unfair garnishments and levies. Additionally, the collection agency did not submit due process in writing. The collection agency also has previously harrassed me by telephone. I believe that the collection agencies has conducted illegal searches to find my current financial information. The collection agency is trying to levy $ XXXX to the financial institution directly and, when telephoned, I am being told by the collection agency that the balance is well over {$2500.00} and that that is the amount to be paid unless paid in an unreasonable time frame and in large amounts. And that this is all due to " interest '' ( which I know to be illegal in the state of California, where the debt was incurred and where the collection agency is located ).

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On XXXX 2015 I was shopping for a car and have several hard inquiries on my credit report. The shopping was done in two days and I have XXXX hard inquires on my credit report which are affecting it negatively. 

On XXXX 2015 I was shopping for a personal loan and have XXXX hard inquiries on my credit report. The shopping was done in 1 day and I have XXXX hard inquries on my credit report which are affecting it negatively.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Payday loan () with Acceptance Solutions Group, INC (OH).
Issue: Charged bank acct wrong day or amt

Complaint: I called and spoke to XXXX on XXXX/XXXX/2016 about a payment that was due on the XXXX of XXXX. I noticed they had not taken said payment and there for took it on the XXXX of XXXX One payment was said to be taken out on the XXXX and the other on the XXXX of XXXX they both have cleared my account but only one is showing. Today is XXXX/XXXX/2016 and I see that two payments have come out for {$200.00} which was not talked about even though they state they did if I had of known this I would not have agreed to it because I know that I would have not been able to handle those payments. Now they have had three payments for the month of XXXX but they are not showing on my account when I look online. I see talking to them I am talking in circles and they are not making sense on this matter. Also I ca n't understand why or how they can go in my account on off set days to pay back my loan but ca n't go in on the due date. Then when they mess up I have to pay for it. My pay day loan should be done being paid for on XXXX/XXXX/2016 XXXX stated today that it has been extended until another month XXXX/XXXX/2016. But how can that be if my account is current and caught up. They have received XXXX payments for {$200.00}. But my account is pushed back an extra month. And again this is not showing with my online account. I took out the loan I did but I do not like being taken advantage of. The fact that I am getting different answers from different people or being put on hold while they figure out how they messed up. Makes me so frustrated. Both charges I received an over draft fee. I also stated this to them on the XXXX. No one I mean no one said that I was going to be charged and extra XXXX before the end of the month was out so I have to over draft fees of {$34.00} for each. I really need help understanding what is going on and why they are able to do this. I even looked over my contract and no where does it state that they can do this.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Debt collection (Other debt) with ProCollect, Inc (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I am having problems with getting a collection account with Pro Collect off of my credit report. I called the company and asked how I could take care of the account and they would not work with me. I have no documentation of why the amount they are showing is owed. They claim they issued something to me back in  XXXX  of this year but I have nothing in writing. I am in the process of purchasing a home and I need this collection account off of my record. In an effort to rectify the problem I need additional assistance with getting this company to have better practices.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Credit decision / Underwriting

Complaint: I applied for refinancing of my Nationstar mortgage through Green Light loans who is a subsidiary of Nationstar. I was told not to make XX/XX/XXXX payment during process as one payent is skipped. I called Nationstar on XXXX XXXX when i got late notice on mortgage and they told me to disregard if I was refinancing. I got nervous XX/XX/XXXX and called Green Light Loans on XXXX XXXX and was told to make payment as I could n't miss two but not make XX/XX/XXXX. My wife made payment on XXXX XXXX and we were told we were turned down due to late payment. All of the phone calls had taping notifications upfront. I even have email from Greenlight loans confirming they are telling e I do n't have to pay one month loan.I had just been in very big lawsuits and had run out of money and had credit problems which my loan company knew but i had never paid mortgage late previously. They turned me down in id XX/XX/XXXX and when i paid, i now have XXXX late credits on my account and I am forced to keep paying much higher interest rate. I think they wanted to keep higher interest and purposely manipulated late payment. I attached e.mail showing they told me not to pay

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with SUN LOAN COMPANY INC. (MO).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Sun loans company keeps calling my place of employment, when i cant except calls there.calling my friends and family also.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: spoke with XXXX  on XX/XX/XXXX in regards to removing the public record items from my credit report. Question three representatives whether or not my name, address, social security number or birth date was included. The first agent stated no, but refused to remove the information. The second agent refused as well. Placed on hold for a third agent/supervisor who never picked up the line. Items Tax Leins appear on XXXX and Transunion | Bankruptcy appears with all three agencies Tax Lein Date Filed - XX/XX/XXXX - {$4700.00} Court File - XXXX | Case - XXXX and XXXX Date Filed - XX/XX/XXXX - {$1300.00} Court File - XXXX | Case - XXXX and XXXX Bankruptcy Date Filed - XX/XX/XXXX Court File - XXXX or 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 explanation
Consumer complaint received 03/23/2017 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I do n't know whose account this is so please remove this from all XXXX reports # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
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: I have tried on numerous occasions to update my address with the creditor and dispute late payments reporting due to insufficient address. I spoke to a representative and on XX/XX/XXXX a dispute was put in but it failed to resolve my issue. On XX/XX/XXXX was the first dispute for not receiving bills. On XX/XX/XXXX the manager requested for all latest to be updated the two 30 day latest and one 60 day late and this was never done on my account. My account has been reporting wrong for over a year with a negative  impact to my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NC).
Issue: Shopping for a loan or lease

Complaint: SANTANDER CONSUMER USA MADE A HARD INQUIRE ON MY CREDIT REPORT WITHOUT MY CONSENT

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (SC).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: LOT OF CREDIT IS OLD.I want them off my credit now. lot of the credit is not true. I want to take it off my credit report now.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Credit card () with U.S. BANCORP (WA).
Issue: Payoff process

Complaint: I made a payment to pay off my us bank credit card in the amount of {$12000.00} and us banks system decided to take that payment out twice. So they overcharged me {$12000.00}. I called them right away once I noticed my checking account was in the red. I was told it would be taken care of right away, the next day the money had not been put back into my account, had to call us bank back and was then told I would have to wait XXXX5 days for the {$12000.00} to be given back to me ... ..I told them this was not an option and was not right for them to hold money they should not have removed from my account to start with, I never athorized {$24000.00} only the {$12000.00}. I have been on the phone for over 2 hours now trying to find ways that they can give me my money back. They just keep saying thy can not do anything. i am very very upset that they first off took that much money from me and second telling me they wo n't give it back to me right away. Thy will not release my funds for at least XXXX5 days and are not willing to do anything to fix the mistake their system made.

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 09/14/2015 about Credit card () with CITIBANK, N.A. (OH).
Issue: Forbearance / Workout plans

Complaint: I contacted Macy 's credit card customer service in XXXX. I had been off work for medical issues and needed help making my credit card payments for awhile. I talked to a woman who said she would set me up on a 12 month program. She was reducing my monthly payment to XXXX dollars, lowering my interest rate to 3 percent and moving my due date to the XXXX of every month. In order to do this I had to close my account, which I agreed to do. I logged into the credit card website in XXXX to make my payment, and my account reflected the payment program. I made the XXXX dollar payment as agreed and was charged XXXX dollars and some change in interest. Come XXXX, I log into my account to make my payment. Well now my payment plan looks to be non existant, my account is still closed and I 'm showing as XXXX dollars past due! I desperately try to get anyone to help me. I called over XXXX times and each person told me they could n't help me and to call back. They gave me the number to the department who handles hardship accounts, to which I left a voicemail and never got a return message. I did XXXX online chat sessions, where both people would not help me. I submitted XXXX online secure messages, I sent XXXX complaints to the XXXX. I just do n't know what to do! No one will help me or even acknowledge me!!! This is ruining my credit!! I feel I was lied to, mislead, and tricked into being put on a program and having my account closed when that 's not what actually even happened! I need someone to help me! When you look at my statement for XXXX, it shows a payment plan and 3 % interest, but when you look at my XXXX statement it reflects XXXX dollars of interest, late fees, and past due amounts! This is seriously stressing me out. I feel like they have all this control over my credit and are just ruining it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX  XXXX is reporting an inaccurate late on my credit report.

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 10/29/2017 about Debt collection (I do not know) with National Credit Adjusters, LLC (CA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: They kept calling me at first and then they started calling my family members. 

In addition - they threatened to garnish my wages and said that there are pending actions against me. 

I do n't know why they are doing this and I feel really stressed out ... In addition, they have n't verified the debt and they never provided me paperwork demonstrating that I owe them anything in writing? 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Caliber Home Loans, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: To Whom It May Concern, Recently I learned some very disturbing information regarding my mortgage. I discovered this information because I am trying to avoid foreclosure. For the better part of this year, I learned that the entity attempting to foreclose on my home, is most likely without authorization to do so. As a result of that, I ordered a Property Securitization Analysis Report and I learned things were definitely not done according to the statutory foreclosure laws in the State of California. As a result of further research, I learned that the right to rescind my loan transaction was still available to me due to the fact that my loan transaction has never consummated pursuant to California Code of Civil Procedure section 1550. On XXXX XXXX, 2015 I took the first step in rescinding my loan by sending a letter of rescission to my servicer, Caliber Home Loans. Caliber Home Loans received the letter on XXXX XXXX, 2015. Pursuant to the Federal Truth In Lending Act, Caliber and/or the creditor was suppose to file a lawsuit against me within 20 days of the receipt of the letter and/or take the necessary steps to release and/or reconvey the deed of trust. They have failed to take any action to be in compliance with the Federal Truth in Lending Act. On XXXX XXXX, 2015, I mailed to Caliber a Notice of Non-Compliance, they have still yet to comply and they are attempting to foreclose on a deed of trust that has been canceled by operation of law. I do not understand how they can attempt to foreclose on a deed of trust that is null and void and yet blatantly disregard the law. I filed a complaint back in XXXX on another issue and I do not know what transpired on that complaint. I am filing this complaint with the Consumer Financial Protection Bureau because there is a clear violation of law and I hope that you can assist in this matter. It appears Caliber Home Loans will not adhere to the guidelines and laws that are set out before them unless there is a higher intervention. Violation of federal law simply can not be ignored. Your assistance would be greatly appreciated.

Company response to consumer: Closed with explanation