milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-07-2016 about Credit card () with Continental Finance Company, LLC (NC).
Issue: Closing/Cancelling account

Complaint: On XXXX/XXXX/2016, I mailed a cashier 's check in the amount of {$520.00} to Continental Finance to payoff the balance of a credit card account. Also, on XXXX/XXXX/2016, within the same correspondence, I requested that the issuer close my account and send verification that the account has been closed. This has yet to occur. 

On XXXX/XXXX/2016, I sent another letter to the credit card issuer requesting closure of my account, and as of XXXX/XXXX/2016 the account is still open. I do not understand why this bank refuses to close my 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 explanation
Consumer complaint received 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
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: InXX/XX/XXXX and XX/XX/XXXX I disputed some erroneous information in my Experian credit report with the company. Both times, the company 's response was so fast it seemed computer generated verses someone actually taking the time to investigate the disputed issue. My mortgage company XXXX XXXX  reported that I was 30 days late to the CRA inXX/XX/XXXX, but after writing them and explaining the situation, they kindly removed the erroneous information off of my XXXX, and XXXX credit reports however, Experian did not remove their data as the other agencies listed did upon completion of the disputed investigation. After speaking to my mortgage company they notified me that they sent out the removal information to the companies however, Experian did not update their system and I needed to contact them directly. I have contacted Experian via phone, and online in regards to this information but they refuse to remove the information which is affecting my personal finances and my current pending VA loan. The only response I got from Experian was an email informing me a few days later that the disputed investigation results had been completed resulting in no change.

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 08/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (PA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: On XXXX XXXX 2017, a check, Number XXXX, in the amount of XXXX was presented to XXXX XXXX XXXX in XXXX PA. This account is an XXXX dedicated account ; all disbursements must be by check. I am the custodian on this account, which belongs to a XXXX XXXX XXXX XXXX. The custodial relationship is listed on both the check and the account. 

On that day, the check was declined without good cause by " Certegy ''. 

After such decline, a Consumer File Disclosure Report was requested from Certegy.That report 's control number is XXXX The information on that report consists solely of the fact that they declined the check, and that there is no other information on file. Six pages of FCRA legal boilerplate, and NO useful information provided at all. 

Note that this account is over 8 years old, and carefully managed. There has never been an overdrawn check on this account. Typical use occurs while the XXXX XXXX XXXX or XXXX XXXX, and a declined check could spell a disaster, so having a valid check declined out of hand for NO justifiable reason is unacceptable.

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 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MT).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint: I called TransUnion today ( X/XX/17 ) to place an initial 90 day fraud alert on my credit. Many people are taking advantage of this service following the recent XXXX hacks, and many more should be. This fraud alert is a free service that notifies you when someone tries to pull your credit info anytime in the next 90 days. The credit reporting service you call is apparently legally required to offer this and make sure that the other two services follow suit.
Before you have the option to actually have your fraud alert set up, you need to decline two detailed pitches for their premier $ XXXX/mo credit monitoring service. This premier service they are describing sounds a XXXX of a lot like the free service they know you are calling about. The difference between these services was obvious to me but it may not be obvious to others, especially if they are panicked trying to protect their information. I understand a company exists to make money, but this is n't your typical company- these people control your most important, valuable and private information and you have no say in the matter. After a huge data breach from XXXX, these guys are trying to hawk some premier paid service to people who are taking proactive steps to protect their information before this happens again to the other two services. It may not be illegal but in my opinion it 's shady and blurs the line between service and profit. I would like to see TransUnion offering this service elsewhere, not as a roadblock in front of this critical free service needed to protect your identity.

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 08/24/2017 about Checking or savings account (Checking account) with Comerica (NY).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: my XXXX debit card ending in XXXX, cvv # XXXX, exp XX/XX/XXXX had an unauthorized charge/deduction from my checking account/debit card on XX/XX/XXXX at XXXX XXXX   est. I was in the city of XXXX, Illinois simply visiting on my way back to new York a few days later. However, when I pulled up my accounting ledger from XXXX XXXX/XXXX XXXX it clearly showed the reason that my account balance is not balanced ; the balance is off by $ XXXX {$150.00} than what it should be. In other words, my current balance should be about {$150.00} higher than what it is currently showing with the monies missing, which I did not charge nor authorize that deduction, either. That unauthorized charge from my XXXX debit card ending in XXXX, cvv # XXXX, exp XXXX is from merchant : XXXX, XXXX, XXXX, CA, PURCHASE, {$99.00} ( XXXX XXXX DOLLARS AND XXXX XXXX CENTS ). I DID NOT AUTHORIZE THAT CHARGE AND DID NOT MAKE THAT CHARGE MYSELF EITHER!! I simply want those stolen monies from my XXXX debit card returned back to me because I AM ON XXXX VIA U.S. SOCIAL SECURITY ADMINISTRATION IN XXXX D.C. AND I RECEIVE MY XXXX ONCE PER MONTH DEPOSITED TO MY XXXX DEBIT CARD. THE FIXED INCOME I RECEIVE IS ALL I HAVE TO LIVE ON TO SURVIVE. I LIVE IN POVERTY AND AM A TRANSIENT. I CAN NOT AFFORD TO HAVE SCOUNDRELS STEALING FROM ME! THE NUMBER FOR U.S. SOCIAL SECURITY ADMINISTRATION IS XXXX. I HAVE ATTEMPTED TO CALL THEM BUT WAS UNABLE TO FOR TODAY. I WILL TRY AGAIN TOMORROW. HOWEVER, I SIMPLY WANT THOSE MONIES PUT BACK ON MY CARD. MY XXXX IS A DEBIT CARD ; IT IS NOT A CREDIT CARD!!!! THIS IS THE RESPONSE I RECEIVED FROM XXXX : Thank you for your inquiry. XXXX does not issue credit or payment cards. Please contact the issuing bank at the toll free number on the back of your card in order to resolve this issue. Please also note that we have removed your card number and CVV code in order to further protect your identity and payment card. 




Investor Relations XXXX XXXX XXXX XXXX XXXX, NY XXXX tel XXXX ... I SIMPLY WANT THE IDENTITY THIEVES PROSECUTED AND BLOCK THEIR ACCESS TO MISUSE MY BANKING DATA AND PERSONAL INFO. THANKS. XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with HSBC NORTH AMERICA HOLDINGS INC. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In 2005 I opened and account with Household Financial. I borrowed {$5000.00} from them. Year to date I have paid them approximately {$14000.00} back and they are constantly reopening my case suing me for what they are calling interest. I have paid back three times the money I owed with a case that is over 11 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Debt collection (Other debt) with Franklin Collection Service, Inc. (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I dispute illegal Charges against XXXX XXXX XXXX and illegal switching of my plan without my consent and that dispute was with XXXX XXXX credit card services fraud and claims. I won the dispute and what was a temporary credit became permanent. And acting of revenge XXXX XXXX XXXX used XXXX XXXX and Franklin collection companies to harm my financials and destroyed my financial records and unfortunately they succeeded. I was denied loans and the ongoing issue caused me emotional distress. I was able to make XXXX XXXX take off the negative item from my report but the so called Franklin collection gave itself the position of a judge and sided with XXXX XXXX XXXX and ruined my financials .i cant sleep anymore. I filed a complaint just recently against XXXX XXXX XXXX with the FCC : ticket number XXXX. I urge your bureau to protect my rights. This is so illegal. I attached the XXXX XXXX confirmation of dispute completed and credit permament to my credit account. I have XXXX of pages to show when we go to court soon and sue XXXX XXXX XXXX for all the damages and ongoing stress.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (SC).
Issue: Problems caused by my funds being low

Complaint: I have bee writing the consumer complaint department about a bank issue with XXXX XXXX XXXX and Wells Fargo { Wachovia }. when i got my XXXX settlement in XX/XX/2011 I put XXXX and XXXX at XXXX XXXX XXXX and XXXX at Wells Fargo. there was XXXX dollars stolen from XXXX XXXX XXXX and XXXX stolen from Wells Fargo. 
I tried to take Wells Fargo to magistrate court in XXXX, SC and XXXX XXXX XXXX I filled out complaints at BBB, Consumer Affairs, FTC and CFPB. In light of what has happen in the past months or so there has been a CLASS Action law suit filed on both banks both for consumer FRAUD, XXXX XXXX XXXX was for mortgage Fraud and Wells Fargo FRAUD was about consumer false accounts and credit card issue, both is what has happen to me but still yet no one is willing to help me get my money back. i have been very sick with XXXX. I was planning on trying to get a house with that money. My situation involves someone trying to get mortgage loan and credit cards which also shows up on my credit report, i have had a number of fraudulent accounts to show up on my credit reports all of which i have to seen along with this complaint. If someone could just take a look at my paper work you can see how they access my account and took my money. i have filled out affidavit and numerous complaints. I am hopeful to think that since what has happen with other court actions that there may be a chance for me to try again to get my money back.You can see from paper work that someone maybe a person whom work at the bank access my account by using the people whom were drafting from my account for my monthly car insurance draft and my monthly renters insurance fee, they went in took the money from there and left XXXX amount .if someone could take interest in letting me know how i could have got in on the class action law suit or if someone at the CFPB could become interested enough to point me in the right direction or if its just a loss cause at this point. I have been complaining about since it happen and i also notify the Social Security XXXX Office..XXXX XXXX XXXX XXXX XXXX, SC 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 explanation
Consumer complaint received 05/18/2017 about Debt collection (Medical debt) with GLA Collection Company, Inc. (KY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have sent several letters asking this company to verify my debt and they have yet to send over any documentation showing that said debt. They continue to report this debt to the credit reporting agencies which is damaging my credit. I have the right due to the Fair Credit Reporting Act to request this information and be provided with it in a timely manner. If they fail to do so they should immediately have this taken off 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 12-04-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: In 2015 I became late on my mortgage due to unemployment. I requested a government modification through Ocwen, and was told I was not approved. Ocwen offered an in-house modification. The monthly payment would be lowered by a few dollars, interest would be lowered by 0.3 %, and there would be a {$19000.00} balloon payment at maturation. I turned down the modification because of the balloon clause. My relationship manager pressured me into accepting the modification, and said I would also have a balloon payment if I remained with my regular contract. This was a lie - I obtained my original note, and there is not a balloon clause. I rejected the modification, which took a long time and many calls/emails to accomplish. Since then, I made payments to become current : {$600.00} on XXXX/XXXX/15, {$590.00} on XXXX/XXXX/15, and {$1300.00} on XXXX/XXXX/2015. None of these payments were applied to my past due balance. {$600.00} has been in suspense for over a month. XXXX agent said I had over {$1100.00} in suspense. Other agents and a supervisor said I have {$600.00} in suspense. I am not sure how much is in suspense. Because the suspense funds were not applied, I became 4 months late on XXXX/XXXX/2015, and was told that the {$1300.00} payment would be rejected and mailed back to me, and that I owed an additional {$570.00} in addition to the {$1300.00}. I have called and emailed many times to request that the suspense funds and the {$1300.00} payment be applied, but Ocwen will not apply them. The {$1300.00} is not showing up anywhere - not on my account or in suspense, despite the fact that I have verification that these funds arrived to Ocwen on XXXX/XXXX/15. The biggest problem is that I can not get a clear answer from Ocwen. They do not respond to email. By phone, some agents and supervisors say that the funds remain in suspense due to a system glitch, and will be applied soon. Other agents wo n't clearly answer my questions. XXXX agent said it was my fault the funds remain in suspense, and that these funds were to be applied to principal, and not the late balance. Every time I call I get a completely different answer. It is impossible to obtain honest and accurate information. Last night I tried to pay an additional {$570.00} online via XXXX, but received a message saying this was the incorrect amount, and to contact Ocwen customer service. XXXX would not allow me to submit a payment. I am not able to make a payment by phone, on the Ocwen website, or via XXXX. I am being charged late fees, certified mail fees, fees for photographing the house, and have received negative credit reporting. I have given everything I have in my bank account to Ocwen this month to try to become current, however they refuse to apply any of these funds to my past due payments, and I am afraid they will begin the foreclosure process.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Credit card () with HSBC NORTH AMERICA HOLDINGS INC. (NJ).
Issue: Billing disputes

Complaint: i have tried calling emailing no response. i want to know why i was charged XXXX cents interest aand a payment was returned on card ending XXXX. i am not paying interest. i am not arguign about its validity just questioning why i paid it in full. cusotmer here 30 years and still get scripts. bottom line calling in you cant understand the person from XXXX and i dont have time to waste. i was told " its only XXXX cents '' well why? i know you will not refund interest and i cant use the card as a result since if i could pay in full i would. and loyalty means after 30 years it could be refunded. since not i cant use the card need no card agreement tell me why payment was returned. again i called and emailed no response. 
When you can be loyal to me i can then use the card until then i stick with banks that are loyal and dont care about interest because they know they make more when i use the card and lose more on bad customers. also no need to remind me how much has been credited. without credits for interest i cant use the card no more how valid it is. plerase dont retalaite. i am so sad how i am treated here. all the scripts all the lack of XXXX and all the problems

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Debt collection (Credit card debt) with Alliance Data Card Services (KS).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: Received a call from an unknown number and was informed that I would be served with legal papers on XXXX between the hours of XXXX XXXX and XXXX XXXX. Gave me a number that I could call if I needed to reschedule. Received a text message from my sister with a voicemail attached. The same person that called me called her and left her the same message telling her that the message was intended for me but left my sister a message saying that I would be served with legal papers on XXXX. I have never heard of a process server calling someone and tell them that they are going to serve them legal documents and I do not feel that my personal information and situation should be relayed to my family and friends. This is a private matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX and Trans Union are not responding to any of my many requests to investigate, verify and remove accounts from my credit reports that do not belong 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 explanation
Consumer complaint received 10/16/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: My mother passed away on XXXX/XXXX/11 and resided in her home in XXXX NC. I have been paying the mortgage through Seterus Inc and petitioning the bank to transfer the loan in my name as the legal heir. The bank wants me to have a court document for this financial transaction. I have retained XXXX different attorneys who states that NC law allows realty to be transfer to heirs without legal proceedings and now the statue of limitations has expired for any required court documents.. I also sent Seterus Inc. a special warranty deed demonstrating my financial relationship to the property and home obtained from the attorney. I am financially able to retain the home and would like assistance with a loan modification for assuming the loan..

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (SC).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: This is a copy of a letter sent to Walmart/SynchronyXXXX along with their complaint form, in regard to a problem with my account : XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, South Carolina XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX  XXXX XXXX, Florida XXXX Reference Credit Card Account Ending In : # XXXX To Whom it May Concern, I was checking my credit account with your company and discovered an error. I sent you two payments of {$220.00} to be applied to my account, one for my usual monthly payment and the other to be applied on the principal on the debt. Both payments were initially credited to the account on XXXX XXXX, XXXX. However, your accounting office, for some unknown reason on XXXX XXXX, transferred one of the {$220.00} payments to someone in XXXX, Georgia. 

I called your offices about two weeks ago to make an inquiry on this transfer and was told it had been transferred to my old Walmart account to cover an outstanding balance on it. I informed the person I was speaking to that there could be no outstanding balance on that account, as the complete balance of it was transferred to the new card when it was issued. I was then told the money would be credited back to my account. 

Since then, my normal monthly payment of {$220.00} was received and credited on XXXX XXXX, XXXX, but the {$220.00} that was transferred to XXXX, Georgia is still missing. 

Nobody at Walmart/Synchony seems to know exactly where my money went, but I want it refunded back into my account immediately and applied toward the principal on my debt balance. At this time I am paying additional interest to you because of this error. 

Sincerely, XXXX XXXX XXXX, XXXX. 

______________________________________________________________________ Since then, this has occurred : ______________________________________________________________________ On XXXX XXXX, XXXX, I checked my Walmart Card balance and found out that my balance had gone UP {$360.00}. Instead of deducting the {$220.00} refund I SHOULD have been credited with, it was ADDED to my current balance along with an increase in interest {$3.00}. Maybe I was better off just letting them keep the {$220.00} I was cheated out of, because they have now cheated me out of another {$220.00} plus interest. My balance actually went up from {$6600.00} to XXXX. There have been no other charges made on my bill by me, but my bill has increased by {$360.00}. 

Enclosed are copies of the printouts from my account online.

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