milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/25/2016 about Credit card () with FIRST NATIONAL BANK OF OMAHA (WI).
Issue: Credit line increase/decrease

Complaint: On XXXX XXXX 2016 I made a significant payment to my XXXX XXXX First BankCard XXXX credit card in preparation for our family vacation in the XXXX Keys. I wanted to have security when traveling ensuring a great trip and no financial worries. I had called to notify the credit card company on the XXXX that I would be traveling starting the XXXX and made a {$3000.00} payment to the card. The money was directly taken from my checking account and available the next day. 
I had never made a late payment on this credit card or any other debt I owe. My credit limit was set at {$4500.00} and had been since I received the card a year ago. 
During the trip, I used the card for everything, then XXXX night we were eating dinner and I went to pay for it. The woman said the card was declined! I told her that was impossible and to run the card again. She said it was still declined so I had to pay with the little cash that I did being with me. 
When I arrived back at the hotel I went into my credit card account to see what was going on. To my HORROR, it indicated that my credit limit had been changed from {$4500.00} to {$2600.00} leaving me with NO money! 
I called customer service and talked with a rep then her supervisor ... .they said that they can drop the limits at any time, and that they sent me a letter that day! They did not care that my family and I were STRANDED and had NO MONEY! 
To say there are no words to describe how enraged I was is an understatement. I can see making an adjustment if need be but when I was on vacation and it was documented in their system that I was on vacation and would be using this card ... .that is totally wrong on all levels of human decency!

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Mortgage (VA mortgage) with Selene Finance LP (FL).
Issue: Struggling to pay mortgage

Complaint: Selene Finance foreclosed on my home XXXX and did n't try to assist me with a loan modification. I put that behind me and moved on with my life. I received a response to my loan modification dated XXXX stating that my deed in lieu was denied because of excessive liens? I found this to be anothe slap in my face because not only did Selene Finance fail to respond to my many requests for a loan modication, they made every effort to expedite the foreclosure ... they now send a response with an enclosure acknowledging a address change XXXX/XXXX/XXXX ... so they made the effort to note that I was not at the property address ; which clearly should have nullified any effort to contact me. Explain to me how one lien was excessive. there should have been only one lien on the property from the hoa ... all other liens belonged to XXXX XXXX who was no longer on the deed at the time the property foreclosed. He was removed from the deed 3 years prior to the foreclosure. Selene Finance knew that XXXX XXXX was no longer associated with property ... so

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Money transfer, virtual currency, or money service (Money order) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (IA).
Issue: Problem with customer service

Complaint: I purchased a money order to pay for my employment authorization form. I was not asked for identification at the time. The money order was returned to me by  Homeland Security since the amount was not needed. I returned to cash the mone y order and I was told to provide a valid identification or else it can not be refunded to me. I just applied for   XXXX   XXXX   and I am a student at  XXXX   XXXX   XXXX   XXXX   XXXX . I came to t he USA o n  XXXX   XXXX . I provided my passport along with my receipt for adjustment of status and my student Identification card but they would not accept it. They still have my money. Kindly do what you can to help me get my money back. Attached are documents relevant to this complaint. The money order, my student ID, and my receipt for adjustment of status as well as my passport. Please let me know if you need anything further.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX acting on behalf of one of my investors, U.S. Bank, has violated the Fair Review Process requiring servicers to review and respond to a request for modification within 30 days. Originally I submitted a compliant because XXXX XXXX XXXX moved forward with foreclosure procedures after receiving a full file submission XX/XX/XXXX. The day after filing their response to the CFPB compliant I was decline a modification on or about XX/XX/XXXX. XX/XX/XXXX XXXX XXXX XXXX decided to review my case again for possible modification and requested updated documentation, which was sent on XXXX XXXX via email, which they never responded to confirm receipt of documents, which is required. At that time I was told that now I qualified to be reviewed for HAMP and that 's why they were requesting additional documentation. On or about XX/XX/XXXX I called and confirmed the documents were received and submitted to underwriting for review. On XX/XX/XXXX, I called to check the status of the review and if my foreclosure sale scheduled for XX/XX/XXXX was postponed. I was told that they would not make that decision until XX/XX/XXXX. I then called on XX/XX/XXXX and the sale was still not postponed. When I followed up on the XXXX I was told that the sale had been postponed to XX/XX/XXXX. On XX/XX/XXXX I called to follow up on the status of my review and was told my request for modification was declined on XX/XX/XXXX and a decline letter was sent out on that day. It took XXXX XXXX XXXX 40 days for them to review my request and I had to contact them to find out I was declined. Since I filed my first CFPB compliant the phone calls from my relationship manager ceased. 
For the XX/XX/XXXX decline I was told it was because I did n't meet the NPV guidelines. For the second decline I was told because I declined a HAMP modification XX/XX/XXXX. However, upon review of the HAMP guidelines, I still meet eligibility to be reviewed again for HAMP. I did not default on the HAMP Trail by completing all three required payments and HAMP mod was not completed. There is not rule against declining the modification, which would have raised my monthly payment and set my interest rate higher than my current rate after 5 years. 
XXXX XXXX XXXX has continued to lie to me, provide false and conflicting information and violated CFPB rules in regards to borrowers who are facing foreclosure. Due to this I am looking at filing a Chapter XXXX bankruptcy to save my house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Carter-Young, Inc. (HI).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I never received notification that I owed this debt. It was an apartment I lived in before I XXXX to XXXX as an XXXX XXXX XXXX XXXX. I paid all rent charges in full before leaving and was never called or emailed regarding additional charges tpnky account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Payday loan () with CURO Intermediate Holdings (TX).
Issue: Charged fees or interest I didn't expect

Complaint: I received a Speedy Cash Loan and tried to pay them off on XXXX/XXXX/2017. Their Website would not let me pay the loan off so I called them and their office was closed. I called the next day and they are charging me another interest fee on top of the one I already paid. when they should be taking into account that they just took an interest fee out.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/21/2017 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: I contacted XXXX, XXXX and TransUnion via certified mail and return receipt regarding a bankruptcy showing in the public record section of my credit reports. I asked them to validate this bankruptcy and to provide proof of this. I have asked for copies of documentation associated with this account bearing my signature. They simply verified this information by utilizing their automated computerized system XXXX and due to this they just updated it. I contacted the court to see if they indeed report to the credit bureaus. They sent me a letter back stating they do not report bankruptcies to any of the 3 credit bureaus. My XXXX XXXX information is frozen and I also opted out of them selling my information to anyone. These credit bureaus are reporting false information which is a violation of the Fair Credit Reporting Act. This public record needs to be removed immediately.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: Regarding the recent data breach with Equifax, I attempted to enrolled and was notified that I have to return. Putting the responsibility and cost/time on the consumer is improper. When my data as a US government employee was breached, the Federal Government notified me in writing and provided free credit monitoring by ENROLLING ON MY BEHALF. 

Equifax is failing to mitigate damages ( a responsibility generally required in business law ) of their data breach. I have no contract with Equifax, as such they have the SOLE responsibility for taking action to protect me from financial harm, costs and undue stress as a result of their data breach. Their current consumer process seems to be aimed at the lowest cost solution ... providing help for only the consumers that self-identify AND are willing to hassle with the bureaucracy. This morning, I have pre-enrolled and have been waiting on the phone for 20+ minutes for an agent to pick up the phone. 

Equifax should auto-enroll me and ALL impacted consumers and buy them credit monitoring AND pay for resolution of any fraud case tied to the breach.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Debt collection (Medical) with Kansas Counselors of Kansas City, Inc. (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Kansas Counselors continues to show a medical bill on my credit report that is in collections and last reported XX/XX/2016. They have been notified by the courts that this was included in a chapter XXXX Bankruptcy that was confirmed XX/XX/2016. I have made multiple attempts via email to have them remove this from my credit report as a current collection account. This is making my score XXXX points less than the other credit report. They do not respond via phone or email. I have also given them my attorney 's name XXXX XXXX and phone number XXXX. They continue to ignore my complaints. Please help me to get this resolved.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Student loan (Federal student loan servicing) with NELNET, INC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My loans are in the process of being transferred from Nelnet to XXXX XXXX. I have automatic payment setup for my account. My XX/XX/XXXX payment of {$610.00} had been scheduled to be deducted on XXXX/XXXX/16. On XXXX/XXXX/16, my Nelnet account showed that my account marked as late. I called Nelnet to clarify why my automatic payment had not been processed. The rep stated to wait a day or two because of the weekend. On XXXX/XXXX/16 the payment has been deducted from my bank account, but it is unclear who has received it. My Nelnet account does not show the XX/XX/XXXX payment posted, which should have been applied on XXXX/XXXX/16. Nelnet shows on XXXX/XXXX/16 my account transferred. I have yet to receive my welcome letter with account number from XXXX XXXX. I called them on XXXX/XXXX/2016 and they state they have not received my loan yet. The rep stated it may take 30 days or more for my payment to be processed if it is not included in the transfer. I explained the amount has been deducted from my account so it is not of question of it being made but a question of who collected it. I have yet to receive an answer from Nelnet or XXXX regarding that.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Billing disputes

Complaint: Please find attached a letters of disputes to XXXX, XXXX and XXXX on XXXX 2016 in regard to a Capital One Account that I had asked under the Debt Verification Rule to produce the negative debt of {$7000.00} that is being improperly recorded within the 30 days required. Also find attached a Dismissal Letter of the case in XXXX County Clerk of the Courts ( Florida ) for non production of debt. Under the Debt Verification Rule, XXXX, XXXX and XXXX cited that the negative debt remained with proof from Capital One. I have never received any of these documentations to this current date to prove the debt. And by admission of the courts, they also did n't receive any proof of debt and dismissed the case on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2015 about Bank account or service (Checking account) with PNC Bank N.A. (NJ).
Issue: Deposits and withdrawals

Complaint: I would like to make complaint on PNC Bank regarding a allotment that was going to a incorrect account and the XXXX Branch and XXXX, OH customer service number can not see or pull up. I receive a letter from the Branch which state that account is not a PNC Bank Account. The allotment was withdrawal from mine personal pay check and I 'm getting the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: APR or interest rate

Complaint: I paid my balance on my Macys credit card in full. I now see that they have been charging me {$2.00} a month for the past several months. They have also closed my account and I 'm sure this has affected my credit rating as I am showing a past due balance of {$14.00} at this time.

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 03-09-2016 about Debt collection (I do not know) with Diversified Consultants, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I got a notice from a debt collection agency that I owed some money from the cable company. Called the cable company XXXX XXXX XXXX XXXX and I do not owe anything. Called the debt collection company ( Diversified Consultants, INC. ) and was rushed off the phone when I started asking questions about the debt. They said they would " dispute the claim '' and then I was hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: I am placing a freeze on my credit files at XXXX, XXXX, and Equifax, as it seems like the only sound method now to protect myself from identify theft. There is a fee, with each bureau, to freeze and unfreeze my files. Due to the frequency, pervasiveness, and severity of data breaches ( especially the most recent Equifax breach ), the fee is an unjust burden on consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2015 about Consumer Loan (Vehicle loan) with American Credit Acceptance, LLC (CA).
Issue: Managing the loan or lease

Complaint: I have a car loan that I have paid over $ 8k but they are reporting only {$300.00} paid down on principal. I disputed the balance with the bureaus but nothing. 
I wonder how the bureau validated information when the company has not provided me with copies of my payment history as request amortization schedule. 
I need to know where my money has gone. No one is providing me answers or getting me records.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Debt collection (Credit card debt) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: First of all, they have refused to validate the debts they claim I owe their company Per the FDCPA. Well I dont owe their " USAA '' anything and thats why they can't validate these debts. Secondly, even after debt validation had been requested from them, they deliberately continued collection activity and have electronically verified this debt to the Credit Reporting Agencies, without having validated the dispute with me first, and have since continued to report these accounts to the bureaus. This is a direct violation of the FDCPA and is 100 % unacceptable. Furthermore, Im aware of the many other complaints against this company for their illegal and unethical collection activity. So this really must be addressed and resolved. My next step is to bring media attention to this issue and also to take this matter to court if I have to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Debt collection (Payday loan) with Greenback Recovery Group, LLC (NJ).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I was left a voicemail stating they would pursue a check fraud case against me which is not true and/or possible.

Company response to consumer: Untimely response
Consumer complaint received 10-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX XXXX ( Alabama XXXX XXXX XXXX, XXXX. Removed the amount of {$580.00} for my account and added back on. I have disputed this and nothing was done. I have not received anything by mail or telephone stating I owe any thing. This should be 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 12/14/2017 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: Information belongs to someone else

Complaint: RE : Remaing inaccurate items. I am sending this letter in regards to the remaining inaccurate information your company continue to leave on my report. I have the items below in the file attachments. Please review the inaccuracies and remove the items within 48 hours of receiving this message. I am not attempting to collect a debt nor is this a threat but Im in the process of filing a lawsuit. I advise you to look over this matter and take serious precautions or else youll find yourself in a courtroom trying to defend every violation youve caused, pain, agony, embarrassment and the dark clouds youve placed onto my life. As of today Im sending this final letter as an affidavit and the final important notice to remove your obsolete, bogus, accounts and inquiries by today. I will be following up checking my credit to see if the inaccuracies are removed. I strongly advise you not to take this as a laughing matter, it is to be taken very seriously.

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 06-01-2016 about Debt collection (Credit card) with First National Collection Bureau, Inc. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: This is outdated old debt older than 7 years old that should have already fallen off of my credit report and I have asked them to quit contacting me year after year, yet they continue to follow me even when I move and when I change my address and phone number. They send letters and call me. They updated the debt on my credit report so it renewed a couple of times and would not leave my credit report. It looks to me as though they changed the dates of my debt from the original default dates so it would stay on my credit report longer than 7 years! I know this because I never opened any cards in XXXX or XXXX or XXXX! I noticed that a few of my debts keep getting renewed over and over again to update them over and over again so they wo n't fall off of 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 05-12-2016 about Bank account or service (Checking account) with Comerica (DC).
Issue: Using a debit or ATM card

Complaint: On XXXX XXXX, 2016 I contacted my bank to inform them of a double charge on my card and I know that the Federal requirement that says the bank must provide a refund if the investigation takes longer than 10 has come and gone. I have yet recieved my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Equifax has reinserted accounts that had been removed from my credit report without notifying of this action and giving me 5 days notice. I tried to contact to have this issue resolved but was advised I did n't give specific information. The law states that if you fail to notify me, that it is a violation of the FCRA which carries fines if I decide to pursue litigation on this matter. The accounts that were previously removed and then added back without giving me a 5 day notice where :  XXXX  's for {$1900.00},  XXXX ,  XXXX ,  XXXX   XXXX  and a inquiry f rom      X/X/2016 .  I never received any notification from Equifax. I am asking for this information to be deleted as it previously was and I am advising that I never received a 5 day notice of the information being added back to my Equifax files. I 'm asking your company to delete the accounts. Please send me an updated credit report within 10 days showing me that the accounts above have been deleted. Thank you for your time in this matter.

Company response to consumer: Closed with explanation