milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BBVA COMPASS FINANCIAL CORPORATION (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: i live in florida. a texas ac company keeps adding charges to my credit card. the ac company 's listing goes to a book store ( ac charges being billed fraudulently to a bookstore should have beena red flag for compass ), not an ac company. charges for {$500.00} and {$200.00} were put on my account and i received nothing of value. 

i disputed the charges. then compass decided they were valid charges even though that would be impossible. 

the charges are being added to my account by compass and billed to me and added fees to my account, refusing to remove those fees as a result of the fraudulent charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/29/2015 about Debt collection (I do not know) with CMRE Financial Services, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently began to check my credit reports when I discovered a collection account from CMRE alleging that I owe {$540.00}. I do not owe any debt to CMRE or any affiliate as I have never done business with them or entered any agreements. I immediately submitted a dispute request to the credit bureaus. CMRE continues to erroneously report that this illegitimate account was verified. I then submitted a validation request in accordance to all applicable federal and state laws. CMRE received my validation request on XXXX XXXX, 2015. CMRE sent me a letter dated XXXX XXXX, 2015 simply typing my name and an amount owed. CMRE has not responded to my validation request and has not removed this trade line from my credit reports as requested. My request was submitted via certified mail with proof of delivery. I then filed a complaint with the XXXX. CMRE responded with false statements suggesting that I acknowledged the account was validated and that they were unable to contact me because I requested to cease contact. Both of these statements are false and misleading. This company continues to add damages with their violations of collection and credit reporting laws.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: on XXXX its still saying i have an open collections account with a collection agency when i paid the bill in full

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Mortgage (Other mortgage) with BAYVIEW LOAN SERVICING, LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I recently filed a complaint about Bayview Loan Se vicing. There has been some things brought to my attention. XXXX XXXX bought XXXX XXXX XXXX in a Foreclosure Sale. Someone made an offer on the property, they got turned down. XXXX XXXX was the listing agent, XXXX XXXX refereed them to XXXX XXXX. They was told the property was sold but never could find out by who. They submitted another offer was submitted through XXXX green, XXXX XXXX was asked and she told them that she did n't know who the new owners were. The property was Quit Claimed to XXXX XXXX XXXX, Offers were made for XXXX months no one ever said anything about it being Quit Claimed, never was told who they were. Now the property 's servicer 's are Bayview it was listed on XXXX. Ihave found several properties done like this. What concerns me is that XXXX and XXXX XXXX are always the agents and sometimes the property is sold or Quit Claimed to XXXX and/ or XXXX XXXX. It 's always the same people involved.The property XXXX XXXX XXXX XXXX XXXX, TX XXXX was listed incorrectly online but when the people tried to purchase it XXXX tried to sell them XXXX acres, they corrected her she finally fixed it. Another couple tried to buy a house down the road got a USDA loan XXXX XXXX listing agent. When it got to the title company they found a problem, It was brought to XXXX attention she refused to fix it. So the contract got cancelled. XXXX XXXX was the servicers it was a short sell. The couple asked XXXX XXXX for their earnest money back she refused and made all kinds of excuses. They finally threatened to get a lawyer she finally gave it to them. The property XXXX XXXX XXXX XXXX XXXX XXXX still has the earnest money checks. There are a XXXX listed on XXXX that the same people are involved in. The XXXX property had n't went to foreclosure when the XXXX tried to buy it but it has since and all the same people are involved and then both houses are listed same time, same site, and same people.XXXX XXXX took people to court for eviction their lawyer told the people they only received XXXX offer on XXXX XXXX XXXX XXXX, XXXX XXXX 's attorney also informed them that they did n't have a listing agent for the property. The next day XXXX XXXX calls and tells the people that they said things in court about her that was n't true. They had emails and correspondence with XXXX XXXX emails and text. The bank XXXX XXXX mailed letters to the home owners but they used the address XXXX XXXX XXXX XXXX XXXX, TX instead of XXXX, Tx then said people refused certified letters.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2015 about Prepaid card (Mobile wallet) with Empowerment Ventures, LLC (VA).
Issue: Unauthorized transactions/trans. issues

Complaint: Rushcard locked my account because they said my card was compromised and claimed they sent and email which they did not and locked me off the Website. I have n't been able to get my money going on three weeks and the customer service is awful. They put you on hold for almost an hour and then youre disconnect only to have to start over again!! I 'm behind in bills because of Rushcard. I 'm being penalized for something they did on their end! I NEED my MONEY!!

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. (OR).
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 which happened XXXX through XXXX XXXX. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2016 about Credit reporting () with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: There are several incorrect addresses in XXXX, where I have never lived, on my credit report related to an identity theft that occurred in XX/XX/XXXX. There was a police report filed, and the financial credit issues have been dealt with by the credit reporting companies, but these addresses persist on my credit reports and are now being reported along with my background check information. I am a teacher, so I have background checks for my job. All XXXX credit reporting agencies are aware of the past identity theft, and have copies of the police report and all other related information. I would like all XXXX addresses removed from my credit report, as I have never lived in XXXX! The person who stole my identity was tracked to XXXX through the postal service. I have resided in XXXX since XX/XX/XXXX, and I lived in XXXX and XXXX before that.

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 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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: I have a closed auto loan account with XXXX XXXX that I paid off in XX/XX/XXXX. It was reporting to Transunion, XXXX, and XXXX  for its entire tenure. For some unknown reason, it stopped reporting on my Transunion report. I contacted Transunion for them to put it back on my report. I've sent in documents from XXXX XXXX numerous times to Transunion and had XXXX XXXX to verify to me that they had been reporting the account as an auto loan to all 3 major bureaus the entire tenure of the loan. They have also sent paperwork to Transunion documenting the account.The loan still shows on XXXX and XXXX, but not Transunion. Myself, along with XXXX XXXX, have been asking Transunion to update my credit file with my XXXX XXXX account. But they have refused to do it. I need this account to reflect on my credit report to prove to banks that I have made a major purchase before and increase my buying power. Please assist me in getting my information updated with Transunion because my efforts are not considered. The account number is XXXX. The car was a XXXX XXXX XXXX XXXX from XXXX XXXX in XXXX XXXX, MS .

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 06/30/2015 about Mortgage (Conventional fixed mortgage) with HOMEBRIDGE FINANCIAL SERVICES, INC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I made XXXX mortgage payment electronically from my XXXX XXXX account to Homebridge financial on XX/XX/XXXX and XX/XX/XXXX. The mortgage company only credited my account for 1 payment. I have been followed up on this matter a few days but the company kept giving me a runaround and neither credit my account nor refund my money.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-01-2015 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Improper use of my credit report
Sub-issue: Report shared with employer w/o consent

Complaint: On XXXX XXXX I contacted XXXX over their chat system about getting internet for my new house that I was closing on XXXX XXXX. Since this was prior to closing, I knew that I was not allowed to have anyone pull my credit report until after I closed on the house. While I was communicating with XXXX they asked me if they could pull my Credit Report. I clearly said " No '' in the chat and that I would just wait until after XXXX XXXX to order the service since I could not have my credit pulled until then. They said that they could authorize me a different way and I said OK, but unfortunately I got disconnected and did not contact them back just so I could wait until after I closed on the house. 

Today ( XXXX XXXX ) I went into my XXXX account and saw that on XXXX XXXX XXXX did pull my Credit Report after I clearly denied authorization for them to pull it. Luckily my closing went fine and this did not become an issue, but it could have become a disaster at closing! I would have been fine with them pulling it after XXXX XXXX, but I am very upset that they still pulled it without my authorization. 

I have attached a copy of my Equifax Credit Report clearly showing the inquiry on XXXX XXXX. I work for a finance company and I know that if we pull someone 's credit report without any authorization we can lose the right to pull any more credit reports at all.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Credit reporting () with EQUIFAX, INC. (KY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: An account XXXX # XXXX that the XXXX has been over 7-8 years is still listed on my personal credit file. Please remove as there is a statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Vehicle loan or lease (Lease) with HYUNDAI CAPITAL AMERICA (NJ).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I leased a vehicle from   XXXX   XXXX   hyundai in  XXXX  of   XXXX   on or shortly after the  XX/XX/XXXX . I began having financial troubles with this lease and contacted them to see if I could get a later due date other than the  XX/XX/XXXX . They ( Hyundai motor finance ) suggested going back to the dealership and ask if they can draft another contract that reflect a later date and would go forward from there. After numerous payments in excess of monthly amount ( that I did not get a copy of ) {$570.00} is what I 'm told is my payment on the ( hyundai motor finance  App )  both copies of the lease that I have indicate different amounts. attached are numerous pictures of contracts due to the size of the forms and screen shots from the hyundai app.In essence the lease was told to me that changing the date is not likely and if it was the amount would be prorated indicating that I would have to pay more than already paid.Also paying for a maintenance contract ( was n't given  ) {$1500.00} and a service contract ( was n't given ) {$250 0.00} that i had a discussion with  XXXX   XXXX  after recieving her email regarding lease vehicle mileage. we spoke about the differences in lease contracts mentioned earlier and made copies that she was submitting to the general manager of  XXXX  hyundai who took over from  XXXX   XXXX  and lastly just yesterday service was told that the oil change was not covered with being told by finance rep  XXXX   XXXX  that I was only covered for  24,000  miles  ( n o contract given to reflect this information ) i.e servicecontract or maintenance contract. please feel at liberty to contact me for further information upon review of this compliant.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (WV).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I opened my accoun t with SUNTRUST ba nk in  XXXX  virginia  XXXX  of  XXXX , I have had several instances of fraudulent activities where the bank authorized payments to charges I did not make, usually they would appologize and fix it but this has happened several times.My latest issue with the bank stems from a policy change they failed to tell me about.When I opened the account, I explained I am on  XXXX  and only recieve {$1000.00} a month, so They set my account up that as long as I had {$1000.00} deposited monthly there would be no fees other than the usual overdraft protection.Well  XXXX   XXXX  of  XXXX  they instituted a new policy, and failed to even bother to tell me my policy changed to {$2000.00} in deposits or I would incur a $  XXXX  monthly maintenance fee.I recieved no letter or call stating this fact.I have been fighting the bank for 3 months telling them they never informed me o f this fact.The first two months were fine, they reimbursed the maintenance fees, but the last 2 months, like clockwork Ive gotten the fee, even though they never informed me at all I had to pay.Only way I found this out was to call and launch a complaint against the bank.Not only that I have recently learned I am not the only person they 've done this to.Apparently.they are being sued and this is how they intend to cover their losses.Which not only is horrible business to the point that Im pulling my direct deposit out, Im seriously considering filing a formal lawsuit against them for mismanagement of funds.I will be getting all of my banking documents from them and going to a lawyer this week and see what can be done about their gross negligence and handling of my accounts.

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 03/31/2018 about Debt collection (Other debt) with Ideal Collection Services, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I am trying to contact ideal Collection Services for the past week. I am trying to move and was advised there is an outstanding balance with the previous apartment complex and ideal is the collection agency handling the debt. I have left message with a XXXX XXXX. This debt is preventing me from getting a new apartment. I would like to handle this issue as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Debt collection (I do not know) with FIFTH THIRD FINANCIAL CORPORATION (IL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Around XX/XX/XXXX I got disappointed on how Fifth Third Bank had handled an issue regarding my debitcard being cloned. As a consequence, I closed my checking account with them and paid all the current balance at that time. In XX/XX/XXXX, I received a letter from the Bank saying that I had an opened current balance of about {$300.00}. After many back and forth attempts to dispute the amount, I decided to pay all and get rid of the headache. At the same time, I sent all documentation to the headquarter of the Bank in XXXX so they could proceed to clean my name with the XXXX main credit report organizations. I even received a letter from the Bank confirming that all had been resolved and that they were going to communicate the credit report organizations. Now, XX/XX/XXXX, I received a letter from a third party company saying that I own {$450.00} to the Fifth Third Bank and that after many attempts to reach me ( which was not true ) they will file a lawsuit to collect this debt if I do n't pay immediately. On top of the fact that I do n't know what this amount refers to, I am extremely aggravated by the fact that I am still have been charged for something I resolved properly after more than 3 years ago. I ca n't think of anything but bad practice in bad faith from the 53 Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/24/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Reference dispute XXXX ] also. I spent over an hour on the phone with transunion, requesting access to my report online, so as to be able to dispute any negative credit information. I was sent to several reps and to no less than XXXX different websites. Nothing Absolutely nothing got accomplished. These people are responsible for critical information that effect humans lives. How is it that XXXX can covey this information to the public and they can not.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with First National Collection Bureau, Inc. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have received a debt collection notice from First National Collection Bureau , Inc stating that i owe {$1100.00} for XXXX. I have never had XXXX services. This is a result of ID theft for which we have had to file several complaints.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Reporting agency reflect XXXX XXXX..which was ordered by court to dismiss and remove off credit.

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 06-08-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (PA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: The name of the card is CareCredit. i used it for extensive dental work not covered by insurance. I bought the " protection plan '' because my husband was ill and I was afraid I may lose my job ( and him ). My husband did subsequently pass away and when I got my last bill, i realized there was more due than the promotions amount. I called and they said that is was interest and fees for the protection plan that amounted to {$1000.00}. They told me that I should have told them how much to apply when paying the bill, I always paid more than the minium. I was NOT told that when I applied for the protection plan. I feel this was deceptive, and that the fees are exorbinant. Can I get some relief from this excessive charge? This practice is unfair and deceptive.

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 09/22/2016 about Credit reporting () with Experian Information Solutions Inc. (IA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XX/XX/2016, I disputed the account XXXX account, account number XXXX .... on my Experian credit report. I was but am no longer an authorized user on this account. I asked them to delete this account from my report. My Experian report does not show this dispute in the comments section, which is required, and there is no evidence that they are working to delete this account. The desired outcome is for this account to be deleted.

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 07-10-2015 about Debt collection (I do not know) with Convergent Resources, Inc. (MI).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I have no idea why these people keep calling me. I have no debt and they will not stop harassing me and countless others! Please do something about it!

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Billing disputes

Complaint: I have an account with Capital One and fell behind with my card when my spouse was unemployed and we then went through a separation in our marriage. I contacted the vendor to try and see what arrangements I could make to get the account in good standards and was told there was nothing that could be done but pay the full amount then they would possibly review it to see if they would let me continue the open line of credit.

Company response to consumer: Closed with explanation