milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-01-2017 about Payday loan, title loan, or personal loan (Installment loan) with HSBC NORTH AMERICA HOLDINGS INC. (VA).
Issue: Problem when making payments

Complaint: HSBC Beneficial offered to enroll me in their " Skip a Payment '' program for the month of XXXX 2008. I accepted and asked multiple times in person in the XXXX, Virginia office if I needed to make a payment. They told me no. I asked them again if my account was still okay when I went into the same office and inquired about refinancing my home loan through them. They said it was still in good standing. I declined their offer for refinancing my house when they said it was going to have a XXXX percent interest rate. I also asked them if it would alright for me to make both my XX/XX/XXXX payment, which was n't due at the time, and XX/XX/XXXX payment two weeks later. Again, they told me that it would be fine and that my account was still in good standing. Two weeks later, I get a letter from HSBC Beneficial and XXXX XXXX XXXX instructing me to not go into the office and that my account had been turned over to collections. I originally thought this was in retaliation for declining their home refinance offer. It was n't until 3 years later of dealing with XXXX XXXX XXXX that I found out HSBC had charged me for the month of XXXX 2008 and treated it as a non payment. This also coincided with the company I worked for, XXXX XXXX, entering the final month of liquidation thus negating the " account protection '' for which I had been paying for years. XXXX XXXX 's closing was made very public and it seems convenient for HSBC to put my account in collections the same month. Apparently, the account had changed from the XXXX, Virginia office to the XXXX, Virginia office in XXXX of 2008. Again I did n't find this out until many months after discussing options with their collections agents XXXX XXXX XXXX. They told me in person that my account was in good standing and still sent it to collections

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: On  XXXX   XXXX .   XXXX   Transunion received and signed for, my  1st  letter disputing inaccurate reporting of a state tax lien on my credit report. They sent me a letter saying my request was ineligible ( stall tactic  )  On  XXXX   XXXX ,   XXXX   Transunion received my  2nd  letter, again disputing innaccurate reporting of said tax lien. I have received no response in regard to the tax lien. As of this typing,  XXXX , the tax lien is still appearing on my Transunion credit report.     They have removed public records, but, the state tax lien was not 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 non-monetary relief
Consumer complaint received 12/23/2016 about Debt collection (Medical) with The Law Offices of Mitchell D. Bluhm & Associates (GA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I checked my XXXX credit reports and there was a collection added to my account from XXXX XXXX XXXX which was transferred over to a company called Law office of Mitchell. They indicated the dates was from XXXX and XXXX which if I went to any facility I have always had insurance. There is not a facility bill for these dates of service they are claiming which leads me to believe if the facility had my insurance information then they should also. I am unfamiliar with these bills and this collector.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Problem with fraud alerts or security freezes

Complaint: I applied for a credit card with XXXX XXXX and they use XXXX XXXX to check my credit. Despite having a FICO score of XXXX, I was denied a credit card with XXXX XXXX. 

They have asked me to contact XXXX to findout why my credit file is negative and I have received no response from them. 

Can you please help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: My friend transferred {$100.00} to my BOA account through the XXXX quickpay on XX/XX/2016, but I did not received it, and BOA agent did not take care of my matter, my friend showed me a letter from XXXX bank state that the money was transferred to BOA. I told BOA agent about this letter. They still did not take care of it. Please help me to find out the money and refund to me. 
Thanks XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/28/2017 about Debt collection (Other debt) with National Credit Systems,Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: National credit systems has been reporting an account I have been trying to resolve with them for 2 years now as a rental collection. I have disputed on several occasions that this is not my debt and I have no knowledge of this debt and requested more than 8 debt validations and still no response but continues to report on my XXXX credit report as verified and valid although this has never been verified and no validation has ever been sent to me. This is a direct violation of my rights as a consumer and can be fined and fee 'd for such violations. National credit systems is reporting a debt in the amount of {$1100.00} for an account number of XXXX. I want this off of my credit immediately.

Company public response: Company disputes the facts presented in the complaint
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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
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: XXXX XXXX XXXX is reporting a collection account for a XXXX XXXX account that I have never opened I have asked several times to provide me with a signed contract because I have no knowledge of this account when I disputed this with the credit bureau within 2 days they come back with account verified but not providing me anything that shows that I signed a contract I also contacted the collection company and asked for a contract which I have not received I previously disputed this when the account was with another collection company and it was deleted from my report after cfpb got involved and since then the account was sold to another collection company and now back reporting

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 03/21/2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Using a debit or ATM card

Complaint: I went to XXXX XX/XX/XXXX - XX/XX/XXXX. The first night my card was fraudulently charged in the amount of {$1600.00}. The remainder of the trip, my account was in the negative. I attempted to call Chases 's international number numerous times and call would not go through. I also sent 23+ emails through the Chase app secure message feature. I also received emails appearing to be from " Chase Online '' but were actually from XXXX asking me to click on a link and that my account has been temporarily suspended. Chase contacted me Sunday night to notify me the {$1600.00} charge was not fraudulent, and that the merchant read my chip. I am now almost {$2000.00} in the negative from these fraudulent charges from a purchase I never made. Chase will not refund the charges, I was robbed and they 've done nothing to assist me with resolving the issue and do any further investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Vehicle loan or lease (Loan) with JPMORGAN CHASE & CO. (TX).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: In XX/XX/XXXX and XX/XX/XXXX, I attempted to use the automated system to make my auto payment with Chase ( as I have done for over two years ). Chase has put a restriction which prevents me from making my payment. This is because I requested they stop calling me at work. I called the number in XX/XX/XXXX, verified my account, social security number and make of vehicle. A Chase representative answers the telephone. I provide the same information again. The representative would not assist me because I would not give him my full birth name. This should be easily verified, since Chase states they record telephone conversations. There is nothing in my agreement that state I have to give you my birth name, especially since I provided my first and last name, social security number, account number and make of vehicle. The person then hung up on me. Chase denied me making the payment on time, because I requested they stop calling me at work.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DC).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: Greetings, I pay Equifax for a monthly service to investigate and manage my credit. This service allows me to request my Equifax credit score at any time without a credit score penalty and to occasionally request results from the other  XXXX  reporting agencies.     Recently, at  XXXX / XXXX /  XXXX    XXXX    XXXX   XXXX   XXXX   requested my credit score form Equifax and it was reported as  XXXX . When I learned of this today, I immediately went into my Equifax account and looked at my credit score and it was reported as  XXXX . I then requested scores from the other  XXXX  agencies and they were :   XXXX    XXXX   XXXX   XXXX  So even an average of these scores would be  XXXX  and yet Equifax reported my credit score to  XXXX  as  XXXX . When I called Equifax, they explained that the bank can specify it 's own " scoring model '' over which they had no control, despite the fact that the report comes directly from Equifax. When I asked if I could change t he " scoring model '' used for  my reports from Equifax, I was told I can not, thus preventing me from exercising my legal right to my credit score, free or otherwise.     Clearly, this represents behavior bordering on the fraudulent and Equifax  ( an d presumably other reporting agencies ) need to be brought to task or Americans will never have en effective way to navigate this ridiculous  XXXX  system of credit scoring.     I look forward to some kind of resolution. I 'm happy to provide documentation but it has my name on it which you 've suggested I should not include. Let me know if I can get it to you.   Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Debt collection (I do not know) with Account Control Technology, Inc. (FL).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: The caller identifies herself as XXXX XXXX whom I have researched and discovered works for ACT ( Accounts Control Technology , Inc. ). She calls my wife and I from different numbers with our respective cell phone area codes ( mine : XXXX hers : XXXX ). My wife and I have both told her to stop calling us yet she continues to call multiple times a day, the most recent being this morning ( XXXX XXXX, XXXX ) after I spoke with her several days prior. This individual is calling regarding my adult ( almost XXXX XXXX XXXX ) daughter. This individual, XXXX XXXX, has also called individual ( s )  at MY place of employment asking about my daughter whom they do n't know, have never met, and vice versa! I think there has been a very serious violation of MY rights and privacy, especially with this individual calling my place of employment. I would appreciate you following up on this matter asap and put a stop to XXXX XXXX 's continued violation of my rights and privacy. She has contacted several of our family members as well using my wife 's name. My wife 's sister was also called on a number with her area code of XXXX but provided with the number XXXX as a call back number. 
XXXX XXXX should be severely reprimanded for contacting my place of employment and her continued harassment of our family members that have told her to stop calling! 
Thank you for your 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 non-monetary relief
Consumer complaint received 07/17/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Opened an account. Deposited a check for {$9000.00}. They said I could not withdraw funds until after 7 business days. After 7 days, discovered they have closed my account, taken the money out and stated that they can hold my money indefinitely while trying to contact the person whom wrote the check to me. This man is a  XXXX    XXXX   XXXX   XXXX   and   XXXX    that is about  XXXX  years old. I talk to him all the time but they claim they can not contact him. As far as I am concerned they have stolen my money, because it has been more than a month now, and I assume they do this to collect interest on money held this way by thousands.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Checking or savings account (Checking account) with Comerica (AZ).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: I closed my checking account with this Bank on XXXX XXXX, XXXX. On XXXX XXXX, XXXX this Bank sent me a letter that there is an overdraw balance made on XXXX for the amount of {$55.00} which is incorrect and threated to claim the overdrawn amount with a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (NY).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: On XX/XX/2017, I utilized my mobile banking application which is linked to my Citibank card to make a purchase in the amount of {$200.00}. The mobile pay failed at the point of sale terminal at the merchant store. I was told in the store I would have to wait 3 to 5 business days for my funds to be returned. I advised my bank that a permanent credit should be returned or a provisional credit based on the fact the charge was pending. As an individual who works at a bank I 'm dismayed by the lack of assistance provided by Citi and the process of having to discuss this issue with customer service representatives who are unhelpful. 

I explained the situation and I was told over and over nothing could be done but to wait. There was no assistance from Citibank to contact the merchant and figure out a resolution at all. I will be closing my account and as a consumer I 'm very disappointed.

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 08-03-2016 about Credit reporting () with EQUIFAX, INC. (OR).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I am in the middle of trying to get a mortgage. As part of preparing to make sure my credit scores are up to snuff, I ran my free yearly credit report using XXXX free credit report website. I did that in XXXX. At the time, my Equifax credit score was XXXX. In XXXX, I contacted several mortgage companies to seek a mortgage for a home purchase. They of course ran credit report on me. XXXX company sent me the report and my Equifax score had dropped to XXXX. I called Equifax to inquire why my score dropped. The agent I talked to OPENLY admitted that they see a person making a free yearly inquiry into their credit as a negative and give the credit score a negative mark -- -Even though it 's supposed to be 100 % legal to get one 's yearly credit report without risk to one 's credit score! Furthermore the agent admitted they also take the mortgage inquires as negatives as well -- -Even those as well are supposed to NOT negatively impact a credit score if they fall within a XXXX45 day window. 

So in essence, an agent from Equifax admitted they are using illegal credit scoring practices. 

I tried to confront Equifax about this but trying to get through to them is nearly impossible. Also, once the agent admitted the truth about their practices, the phone call was disconnected and I have not been able to get back through to any other agents. 

Bad business practices by Equifax that deserve some sort of penalty? Definitely. 
I could sure use your help in this matter to help put and end to this.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: There are inquiries of my consumer report that were deleted & reinserted. XXXX XXXX XXXX, XXXX, XXXX & XXXX XXXX & XXXX XXXX. XXXX Bank XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-08-2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (IN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: I was never given due process i was never served the opportunity to pay this in court .i was notified there was even a court i received the garnishment order in the same week they are garnishing my check ... i am in process of trying buy a home and currently dnt have a place of my own. I wasnt informed of this debt from 2007 and believe it to been paid in full in 5yrs ago! I heard nothing from jcp or debt collectors referencing this debt ever sense then suddenly 5 yrs later without a warning my check i get in 5 days will be garnished over 300! I would have been grateful if given the opportunity to even claim ownership of it or given the option to pay it or informed of a court date ... i would have glady showed up and fixed this in court but jcp skipped due process and went straight for my wages after 5 yrs of being silent like a paid in full debtor normally would so how am i to know u want money from me? ... my wages were attached b4 i knew of this debt.i was neglected my rights and due process and wasnt given no knowledge i was being sued or opportunity to be in court or pay myself ... soon as i received the garnished notice i immediately made calls tryn to resolve the confusion of the debt in question even pay to prevent further actions and i live in indiana and law office of XXXX XXXX XXXX XXXX il collecting payments for the plantiff jcp even though due process was refused me refused to be able to assist me said i had to call jcp directly and jcp said i had to call meyer & njus directly. my check is already being garnished over 300 per check despite my attempts the letter of garnishing and my attached pacheck are within the same 6 days which left me no time to resolve or address the matter..i would have paid this debt in court rather i believe its mine not if i knew it existed and was given that option ... its not ok to attach anyone wages that u feel owes u without first giving them the opportunity to show up in court or pay it their self

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 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There is an account that was added to my credit report fraudulently that does not belong to me and all 3 companies were made aware. The account is XXXX last reported XXXX XXXX and it says it was opened on XXXX says original creditor is XXXX and that {$1700.00} is owed. This account if fraud and does not belong to me and I want it removed at once. Police have been notified as I am a victim of identity theft for over 8 yrs now. Please enforce this account be removed as it is fraud and does n't 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 non-monetary relief
Consumer complaint received 10/23/2017 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: Account information incorrect

Complaint: I have several inquiries that I did not give consent to run my credit! 
Please remove them from my Transunion Credit Report! I have no knowledge of these inquiries and no account attached to them! Transunion is stating that " inquiries are a factual record of file ''. How are these inquiries factual when i have contacted the creditors and the creditors have no account? Furthermore, the have no knowledge with me doing any business with them. I have supporting documents as proof that these creditors have requested deletion of these inquires.

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 06-03-2017 about Mortgage (Conventional home mortgage) with Quality Loan Service Corporation (CA).
Issue: Struggling to pay mortgage

Complaint: NOTICE OF ERROR ;  XXXX   XXXX  HOLDS VOID ASSIGNMENT THEREFORE HAS NO RIGHT OR STANDING TO FORECLOSE ( WRONGFUL FORECLOSURE ) The Supreme Court of California held that a borrower on a home loan secured by a deed of trust has standing to base an action for wrongful foreclosure on allegations that defects in the purported assignment of the note and deed of trust renders the assignment void.  XXXX  v  XXXX   XXXX   XXXX   XXXX ,  XXXX .  XXXX  (  XXXX .  XXXX ,  2016  )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation