milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/22/2015 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX contacted me by phone XXXX XXXX, 2015 stating that I owed {$6000.00} to a XXXX XXXX Credit Card that I never had. XXXX XXXX XXXX XXXX stated that I would be taken to court and my wages would be garnished. I sent a certified letter on XXXX XXXX, 2015 telling XXXX XXXX that the debt was not my debt and please do not contact me anymore. XXXX XXXX than sent me a letter stating I now owe {$14000.00} since I did not pay the other amount stated. I against sent certified letter to XXXX XXXX stating that under the Federal Fair Debt Collection Practices Act ( FDCPA ), to cease all communication with me in regard to the debt ; that is not my debt. I never had a XXXX XXXX Credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Payday loan, title loan, or personal loan (Installment loan) with CURO Intermediate Holdings (CA).
Issue: Charged fees or interest you didn't expect

Complaint: took out a personal loan with speedy cash in   XX/XX/XXXX  in the  amount of  XXXX  paid it of o n  XX/XX/XXXX ..and my  pay off  XXXX  payments were taken out twice a month at  XXXX  dollars i paid over  XXXX  dollars just to pay if  XXXX  dollars less of what i borrowed

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (MO).
Issue: Account opening, closing, or management

Complaint: I recently signed up for a CitiGold account under the promotion that if I spent {$1000.00} using the included debit card, and completed XXXX bill payments, I would be rewarded with XXXX AAdvantage miles. I was told in a chat XX/XX/XXXX that I had completed the requirements, and would see my miles by XX/XX/XXXX. It is now XX/XX/XXXX and while they said they opened an investigation, they have been unresponsive regarding the reward.

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 08-10-2016 about Consumer Loan (Installment loan) with Conn's, Inc. (NH).
Issue: Managing the loan or lease

Complaint: I originally financed something back in 2009 with Conn 's appliances in XXXX, Texas. When I moved out of state and then had an issue with the product they refused to honor the store bought warranty. They instead deferred me to the manufacturer. 

The manufacturer ( XXXX ) then seized the defective product after recognizing it was fully defective. Since I was no longer in possession of their property any longer I was under no legal obligation to continue paying. However I believe I did pay XXXX more note but that was n't good enough for them. They demanded I turn over the new laptop XXXX custom built for me and the tablet I was also not in possession of at the time as it ( the tablet ) had been bamboozled away from me while in the midst of a XXXX 

They were provided with the name and address of who was in possession of it but refused to go and fetch it. They have now over inflated the amount owed on the account to pad their tax/financial records. 

According to the Texas statute of limitations of debt collections they had a limit of four ( 4 ) years and then to cease any and all collections against my credit in general which they are still attempting to do under the federal guidelines which is seven ( 7 ) years. The limit in New Hampshire where I am now a resident is three ( 3 ) years maximum on installment accounts credit cards etc. 

They are committing credit reporting fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: I was doing a general search online and discovered a judgement against me in  XXXX  County that I was never aware of.   The suit gave them a default win because I was not present to defend myself because I was not aware of it. The court date was  XXXX / XXXX / 2017

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX   XXXX    issued a letter stating they would not remove the account

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 07/20/2017 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: I sent a certified letter to XXXX XXXX XXXX also known as XXXX XXXX XXXX. XX/XX/XXXX to dispute inaccurate infomation on my credit report and they signed for letter XX/XX/XXXX at XXXX XXXX. I have 3 date stamped credit reports on XX/XX/XXXX day 31 from XXXX, Transunion and XXXX which shows XXXX XXXX XXXX violated FCRA by not disclosing dispute to credit bureaus in 30 days. I sent them a second letter XX/XX/XXXX that they signed for XX/XX/XXXX at XXXX XX/XX/XXXX to advise them they failed to report I disputed account within 30 days and asked that they remove inaccurate information but they have ignored my correspondance and only sent me a copy of a statement, but did not provide reason why they did not mark disputed in 30 days required by law. I have kept record of all copies of letters sent to them and what they have sent to me and will also be filing a complaint with BBB and Attorney Generals Office if  need me. XXXX XXXX XXXX is liable for their willful non compliance as per FCRA 623 ( a ) ( 3 ) - reaponsibilities of furnishers of information to consumer reporting agencies ( 15 U.S.C 1681s-2 ) ( 3 ) duty to provide notice of dispute. ( B ) time of notice ( BI ) The notice required under subparagraph A shall be provided to the consumer prior to or no later than 30 days after furnishing the negative information to a consumer reporting agency described in section 603P. XXXX XXXX XXXX has violated federal law. I have evidence of this therefore XXXX XXXX XXXX must remove item.

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 01-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAC Financial Corp (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I never authorized this charge. This company calls me non-stop for a bill I do not owe. I have requested proof that I owe this bill and they refuse to provide it.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2015 about Debt collection (I do not know) with Global Trust Management LLC (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This company has called my mother, my brother and threatened to contact my ex-husband and my father. They make multiple calls in a row to me and have contacted other people " trying to locate '' me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2017 about Mortgage (Conventional fixed mortgage) with AmeriHome Mortgage Company, LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I recently paid off a mortgage loan at AmeriHome Mortgage Company , LLC, XXXX, NJ XXXX. Within a day or two after the loan was paid off, online access to our records was abruptly cut off. I am now unable to see my last payment how it was applied to my loan. I am also unable to see a transaction history of deposits and payouts to and from my escrow account. I have not received any explanation or itemization for a refund check that we received in the mail. This is a rude and abusive way to treat a borrower. I need this information to balance my records and compute my taxes. I do n't think it is fair to ask me to lick a stamp or pick up a phone to get access to obtain MY information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Debt collection (Medical) with Alorica Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Pleae refer to complaint number XXXX. To date, I have not received follow-up or other additional information from the company ( e.g. itemized bill ). Please advise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/16/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I 'm writing this complaint because I have an account on my credit file that is not correct and should not be reporting. The collection agency XXXX XXXX is reporting an account for XXXX for the amount {$590.00}. I do not owe this amount to XXXX before leaving all accounts was paid in full. This account is reporting to be open in XXXX or XXXX, so this is why I do not have any receipt to show my zero balance because I was not aware they would just not in XXXX put this false information on my credit file. Please I 'm requesting this account be removed and I also have disputed this account multiple time with the credit bureaus and they are not doing a proper investigation. Just because they can verify information does not prove I owe any account balance. What I do not understand why they choose to wait until this year to report this inaccurate information. Also I have had this account deleted before from another collection agency. I file a complaint previous with all XXXX credit bureaus on XXXX XXXX, XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I was falsely advertised a charge card as a credit card. At no point was I informed that I could not carry a balance on the card. I was then asked to pay various late fees and other fees because of the balance on the charge card.     This is a case of deceptive marketing fro m American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Debt collection (I do not know) with Dynamic Recovery Solutions, LLC (WA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I recieved a call from a debt collections Agency called Dynamic Recovery Solutions. I am very careful with my bills and mobey owed and I know for a fact I have NO DEBTS needing collections, especially any that I would n't have information on. I read online the kinds of threatening tactics they use towards other people and do not wish to be threatened over nothing myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/27/2016 about Bank account or service (Other bank product/service) with NAVY FEDERAL CREDIT UNION (NC).
Issue: Deposits and withdrawals

Complaint: I believe I am being overlooked for compensation from being a victim of what Navy Federal Credit Union has done to an extrememly large number of their account holders. The following situations have occured multiple times : 1. Getting any source of available money ( large chunkes ) from my checkings or savings account to put on my credit card balance regardless of paying more than the monthly minimum payment, and having a great history doing so. That is now making my credit drop since it is a negative look, looking as if I could n't make the payment so the bank did. They did this will no warning what so ever and without my consent. 
2. Randomly freezing accounts with no warning and no reason as to why. 
3. Returning checks when I had more money available than the amount due for bills, resulting in a {$30.00} fee from Navy Federal. Also, making a red flag on my record due to the fact of giving the illusion that I am incapable of paying my bills. 
4. I was actually told by a representative they were going to be very helpful with any financial hardships, however they have completely made it worse for my family and I. 
5. When NFCU has been at fault and confronted, they act as if they have no idea what im talking about or I get hung up on mid-conversation. 
I was XXXX XXXX from the XXXX XXXX XXXX and are going through very hards times financially. Things they have done, have negatively affected my credit score. I 'm not sure how I am going to be able to pay for my auto insurance bill due to the fact that 2 months ago I paid for 2 months. I was just told today that XXXX of the checks bounced back, when I had more available money in my account than the due payment. Today I also just found out the bill that got bounced back was the result of NFCU transferring money from my checkings account to my credit card balance ( example of situation no. 1 ) without my knowing or consent. Now the insurance company is billing us for double the amount of my usual due payment. Navy Federal Credit Union has put my family and I in such a deep hole that I am afraid of not being to get out of it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/20/2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Green Tree Servicing is foreclosing on my home when they DO NOT OWN THE MORTGAGE and legally can not foreclose long with the fact that they do not service the mortgage either. I contacted Green Tree they claim they are not foreclosing yet the law office claims that Green Tree is in fact having them proceed with the foreclosure even though they do not service it or own the mortgage not to mention that the documentation I have requested for the last 6 years regarding the note and payment I have not received

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: 1. Received a hard credit inquiry from a company called CBNA on XX/XX/XXXX and I don't know who this is and what its all about. I just saw it on my credit report and want it removed. I called the company and they have no knowledge of what I was saying or trying to resolve. 

2. Received a hard inquiry on XX/XX/XXXX from XXXX and I don't know where this come from. I happen to see it on my most recent credit report so I called the company and was told that it was only supposed to be a soft inquiry and had no idea how it was reported as hard inquiry. This conversation took place on XX/XX/XXXX and the inquiry is still there.

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 02/17/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Deposits and withdrawals

Complaint: I had slightly more than {$1700.00} in my Bank of America account. 

I transferred {$1700.00} out of that account. 

After I put in the transfer, BofA withdrew an ADDITIONAL {$850.00} from my account ... and charged me overdraft fees! 

They said it was because a P2P deposit from my tenant ( on XXXX XXXX had " failed ''. But that " failed '' deposit had already cleared 3 weeks earlier! 

QUESTION FOR BANK REGULATORS : Can a bank or XXXX take money out of my account any time they want, even weeks after a transaction has cleared? If any transaction can be suddenly reversed *without warning*, how can consumers know for sure how much money they actually have?

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 11/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (AZ).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: This will be the third complaint through CFPB in regards to this issue. In my last two complaints ( the last being # XXXX ), I was expecting to hear a response relevant to my complaint, and I am still waiting for this. 

As my last two submissions, I attached the chat dialogue wherein I was assured by the online customer service representative that Citibank has been paid in full. If you would review the chat ( I will attach again ), you will see I was clearly informed this was so. I have received the letter Citibank speaks of where they informed me of the situation regarding the payment I attempted to make. This is not my issue. I do n't know how I can be any clearer. And I would like a response in that regard and not Citibank avoiding that issue a third time. 

To clarify, my issue is I was informed and assured the balance ( {$990.00} ) was paid off in full, and more specifically that Citibank has been paid, they received the amount and that no amount is owed. I am going by that information. And this account needs to be marked as I was informed, as paid, and to be closed as I do not wish to do business any longer with a bank that lies to its account-holders. I will not let this issue go until Citibank follows through on the information they gave to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/19/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (SC).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I have called Navient numerous times to see if they could help lower my monthly pavements and the say they ca n't even though my family has grown and has medical bills making it hard to pay my full monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2015 about Student loan (Non-federal student loan) with CITIBANK, N.A. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I took XXXX private loans from Citi Bank between XX/XX/XXXX-XX/XX/XXXX. I was an international student then so I was not eligible for federal aid. XXXX of the XXXX loans were sold to XXXX, XXXX continues to be with Citi. This XXXX ( originally a XXXX $ loan ) I still have with Citi has a 6.5 % interest rate. I have been making regular payments since I finished graduate school. On addition, whenever I can, I have made payments towards my principle. However, I just realize that the math does not add up. For instance, though I made a payment of XXXX $ towards my principle XX/XX/XXXX, my balance is still way above XXXX XXXX How could that be given that my original loan was XXXX XXXX I have stayed on top of my monthly payments, and I have made other additional payments, clicking the box that says " apply towards principle ''? Thank you for your help!

Company public response: Company 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. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Payday loan () with Enova International, Inc. (NV).
Issue: Received a loan I didn't apply for

Complaint: I was in the process of applying for a payday loan through the company 's website. It states I already have an account with them. I requested information on the loan that was already taken out as I have no prior contact and no records by email or bank statements of doing business with the company. they told be the account is closed, marked past due, and the loan has been sold to ta 3rd party agency. would not tell me when the loan originated, or the amount, or when the loan was sold to a third party agency.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Money transfer, virtual currency, or money service (International money transfer) with WESTERN UNION COMPANY, THE ().
Issue: Fraud or scam

Complaint: This Complaint is abo ut WU 's  refusal to correct the misuse of my information by  XXXX  of its users.     I am a  XXXX  citizen, living in  XXXX . Someone has been using the  western union international money transfer services to send money from ne w york to  XXXX  and registered my email as theirs, so in half a year I have received at least  XXXX  money sending notifications, I have called on  three  times the number  XXXX  of  western union custo mers to request to correct this situation, without which to date I can give a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Payday loan, title loan, or personal loan (Title loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (VA).
Issue: Charged fees or interest you didn't expect

Complaint: I did a title loan with One Main Financial. I feel like the interest they 're charging me is illegal and outrageous. I pay {$250.00} per month just on interest.

Company response to consumer: Closed with explanation