milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXXThis serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: The monthly student loan payment calculation does not take a borrower 's residence ( city/state ) into consideration. A borrower that lives in XXXX New York will have a different cost of living then a borrower living in XXXX, for example. Although salaries may be higher in cities, high costs of living could leave borrowers with less discretionary income. Considering borrower location would make the monthly study loan payment calculation more reasonable and allow the borrower to have an emergency fund, save for retirement, buy a home, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Jefferson Capital Systems is reporting a debt that was paid directly to the creditor which was XXXX XXXX. After speaking with Jefferson Capital Systems they did see that the account was paid directly to XXXX XXXX and still reported the collection to the credit bureaus. The account was paid in in full on XXXX/XXXX/2016 to XXXX XXXX and Jefferson XXXX XXXX reported it as a bad debt as of XXXX/XXXX/16. After calling XXXX XXXX they tell me that they cant discuss the account because it was sold to Jefferson XXXX XXXX but XXXX took the payment even though it was sold to Jefferson.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-04-2018 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (OR).
Issue: Struggling to pay mortgage

Complaint: I have been trying to modify my loan since my divorce. I began the process in XX/XX/2011. I am nearly 7 years into this process. I have filed thousands of pages of requested documents. I have averted many sale dates. Citimortgage has never officially denied my modification. The file simply gets closed just prior to the sale date. I have over $ 1m in cash and an income that can easily make the modified monthly payment. They have consistently violated dual tracking laws, requested new docs within a week of the sale date, lost documents then admitted they werent actually lost, etc. etc.

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 12/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have disputed this account with certified USPS letters over 4 times. Nothing has been done on the investigation and the account continues to be reported wrongly. This account is unverified as it was paid off on time with no payments ever late. Promptly DELETE all information which can not be verified.

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. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I was leasing car ( XXXX XXXX model XXXX ) from XXXX XXXX XXXX XXXX. My lease was ended in XXXX XXXX. At the end of lease, I contacted them for end of lease instructions by phone. XXXX customer service said they will send Extension of lease agreement, I have to sign, they will give 3 payments waiver. I received mail, i signed extension agreement. As per Extension agreement I did not paid 3 months. XXXX reported to 3 credit bureaus 60 days payment late. I contacted XXXX they credited into my account. But they not responding to my request to Late payment removal. I am unable to rent apartment, employment credit checks, credit card extenions because of credit profile of Late payments from XXXX on my 3 credit bureau proflile. Please kindly help in procedure. I have copies of extension lease agreement, payment history. I was never late as 3 payments are waiver as per agreement, XXXX itself credited themselves these payments then why I am late when payments are waived as per signed agreement. Thanks!

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 11-06-2017 about Checking or savings account (Savings account) with SUNTRUST BANKS, INC. (GA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I withdrew cash from a non-SunTrust ATM in XXXX, XXXX from my CHECKING account and was charged {$3.00} by the non-SunTrust ATM for a balance inquiry for my SAVINGS account. I never performed an inquiry for the balance of my savings account. The non SunTrust ATM charged a fraudulent fee to my Savings Account in the amount of {$3.00}. I would like for the CFPB to perform an investigation to determine how how the non-SunTrust ATM was allowed to charge me for a service I did not request. I would also like for the CFPB to perform an investigation to determine why SunTrust allowed the non-SunTrust ATM to deduct a fee from my savings account when the fee was fraudulent.

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 02/18/2016 about Debt collection (Medical) with Capio Partners, LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Capio Partners alleges that I have an outstanding debt with them from a hospital visit from over three years ago. According to NJ fee law ( XXXX ), " No health care provider may demand or request any payment from any person in excess of those permitted by the medical fee schedules and this subchapter, nor shall any person be liable to any health care provider for any amount of money that results from the charging of fees in excess of those permitted by the medical fee schedules and this subchapter. '' My car insurance company paid according to the NJ fee law, and I have the bill, receipt, and fee schedule sheets to prove that. I have faxed these records to Capio and they have refused to acknowledge receipt of them : putting me on hold, hanging up on me, etc. It is not my fault that the hospital was unaware of the law, which clearly states that the insurance pays according to the NJ fee law and the remainder of the money owed must be wiped and can not be the insurance or the patient 's responsibility. My credit score includes this debt to Capio Partners -- it is of course in the amount that is leftover after the NJ fee law funds -- even though I have legal proof that I do not owe this group any money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-04-2017 about Credit card or prepaid card (General-purpose prepaid card) with CURO Intermediate Holdings (TX).
Issue: Unexpected or other fees

Complaint: I filed a dispute regarding transactions made on my opt plus account, which I noticed on XXXX/XXXX/17, at that time I called the automated service to cancel my card and immediately an {$8.00} replacement card fee was applied. When I looked at the transactions on XXXX/XXXX/17 it no longer stated XXXX/XXXX/17, they stated XXXX/XXXX/17, which is not what was seen originally. I faxed the dispute letter XXXX/XXXX/17 and I was told XXXX/XXXX/17 it was closed and nothing further would be done.
( Exhibit 1 ) Those transactions are in the amounts of : {$200.00} ( XXXX XXXX- XXXX  TX ) * {$200.00} ( XXXX XXXX XXXX TX ) * {$83.00} ( XXXX XXXX- XXXX TX ) * My card was only out of my possession when I paid the waiter at XXXX XXXX, at the XXXX XXXX in XXXX, TX on XXXX/XXXX/17 .
The transaction with an * next to them above, also has an * on the transaction statements on the myoptplus website. This is something that has never been on any other transactions which leads me to believe it shows that something is different than normal transactions.
The last 5 transactions I made were all on XXXX/XXXX/17 and are listed below.
XXXX XXXX XXXX  XXXX, TX {$100.00} XXXX XXXX XXXX XXXX, TX {$28.00} XXXX XXXX XXXX XXXX, TX {$59.00} XXXX XXXX XXXX, TX {$9.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX {$82.00} I have been an OptPlus direct deposit customer for several years and have not had any disputes. I was advised on XXXX/XXXX/17 that my dispute was closed and it is believed to be regular transactions made by me. However, I know I did not make the transactions shown above. I was told to file a police report but no one can tell me where the transactions were made, who they were made to or any other identifying information, such as a phone number. I have no information to file a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I am most likely one of the 143 million American consumers whose sensitive personal information was exposed in a data breach at Equifax, one of the nations three major credit reporting agencies. 

The breach lasted from midXX/XX/XXXX throughXX/XX/XXXX The hackers accessed peoples names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (OR).
Issue: Settlement process and costs

Complaint: We have a signed purchase agreement with nationstar bank on a bank owned property which they now refuse to honor. They lost the DIL for over a year and now have a replacement deed. they will not even talk to us at this point and are trying to resale the property right now. We are ready to close on the property.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Debt collection (Private student loan debt) with Ability Recovery Services, LLC (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: The account listed below is fraudulent and was created without my consent I would like it removed from my credit report at once. I am a victim of identity theft and have several police reports to verify this. I have tried contacting this company many times in this matter. This account does n't belong to me please remove it at once because it 's not mine and was fraudulently opened. 
XX/XX/2018 Collection Agency ABILITY RECOVERY SERVICES , LLC Balance {$1400.00} XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Bank account or service (Checking account) with ASTORIA BANK (NY).
Issue: Problems caused by my funds being low

Complaint: Astoria Bank charged me an overdraft fee after they automatically overdrafted my account be charging an account fee of XXXX dollars and a periodic fee of XXXX dollars even though I had no money in my account. As a result of my overdraft they took everything I had when my check was deposited.

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

Complaint: Select Portfolio Servicing 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 Select Portfolio Servicing 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 Select Portfolio Servicing decided to review my case again for possible modification and requested updated documentation, which was sent on XX/XX/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 XX/XX/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 Select Portfolio Servicing 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 in 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. 
Select Portfolio Servicing 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 02-02-2016 about Bank account or service (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Deposits and withdrawals

Complaint: On XXXX/XXXX/XXXX I tried to deposit a check through the HSBC mobile app on my cellphone. I received a message that it was unable to process my request. I went directly to my local branch and I deposited the actual check. On XXXX/XXXX/XXXX I received a debit from my checking account basically noting an error occurred for a duplicate check deposit. ( Apparently the mobile check was processed ). On XXXX/XXXX/XXXX HSBC corrected the error and debited my account to correct the error. Now, here occurs the problem, on XXXX/XXXX/XXXX I received another message/debit stating the same error message I received back on XXXX/XXXX/XXXX referencing the duplicate check from XXXX/XXXX/XXXX was deposited twice and HSBC was debiting my account to correct the error. This error had already been corrected so I stopped in to the XXXX NY HSBC branch. A representative by the name of XXXX pulled up my account and said she did not see the error. She explained I must have shaken the phone to have made the duplicate deposit. I tried to explain the backstory, she did not listen and tried to say it was a User error. I tried to show her the transaction on my phone and point out the discrepancy but she simply said her computer did not reflect any errors. She said when she went to her " home '' branch on Monday she would look into further. XXXX/XXXX/XXXX Monday I received a call from XXXX saying she saw no discrepancies on her end. I asked to speak to her supervisor and she said she was the supervisor. I told her this is unacceptable becaus it clearly shows XXXX debits from my account. I went on to try and explain that only XXXX debit was needed to fix the error. We went back and fourth and finally I told her I would escalate this through corporate. I was not getting any assistance from her. I called HSBC XXXX and was told by the represenative on the phone she could see the error and she would process the request to have it resolved. However, based on the correspondence with " XXXX '' the XXXX NY branch service manager I would like to have this escalated to ensure it is properly corrected in a timely time frame. The contact I have for XXXX is XXXX. I feel it is necessary to point out that XXXX was very rude and condescending. I will be looking into switching banks based on her poor customer service and Unprofessional attitude in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: So, because of my untimely payments, I incurred several months of late payments with my Bank of America credit card and all my other credit cards. I contacted all of my credit card companies and I told them what occurred and the reason why I was late. All of the other banks agreed to take off all the late payments on the account, and subsequently, I paid the current payment due as part of the agreement. I contacted Bank of America and I asked if I could have the late payments waived. The agent asked what were the issues and the reason why I was late at the time, ( I was two months late ). I told them once again the reason due to me studying for the XXXX XXXX XXXX ; I had to reduce my work hours. The manager online listened and said that there is nothing that he could do. If I dont pay the late fees the credit card account will be charged off. Now, the late fees have increased now I am up to six months in late payments, when I first contacted Bank of America I had two months of late fees. They have charged off the card in their system and I can not use the card again. The Bank offered me a settlement and I told them on XXXX XXXX, 2017 - I was willing to pay {$700.00} as settlement while I was in the branch X/XX/2017 ... but the customer service agent was adamant about charging me {$1000.00} to settle the account. At this point I am done with Bank of America. They are continuing charging me fees and interest. I need to settle this account and get them off my credit report. My credit report is suffering in the interim. Please help me! Thank you,

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 09/15/2016 about Bank account or service (Other bank product/service) with NETSPEND CORPORATION (NJ).
Issue: Using a debit or ATM card

Complaint: I recently visited a NetSpend load location to put an amount on my debit XXXX. I was asked to provide an ID and my Social Security number. I refused. The clerk working at load location, a check cashing business, told me all NetSpend customers had to submit verifying documentation to register their card. I asked to see proof, the check showed me an internal memo that made reference to NetSpend customers with 'generic ' cards only. But this was beside the whole point. NetSpend agents, I felt, are not and should not be allowed or entrusted to collect and handle sensitive customer personal information. Especially since NetSpend 's policy is to protect its customers from fraud and identity theft. This practice, if allowed to continue unchecked, does the exact opposite, creates an entryway for customer information to be stolen and used by others, and could even pose some risk to national security. I recommend that this practice be stopped immediatedly.

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