milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Problem with fraud alerts or security freezes

Complaint: After the Equifax security breach, I am still unable to freeze my credit reports due to high volume on the online services as well as by phone. Additionally, these services will cost me personally when I need to lift the freeze, which is n't right.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Payday loan () with EZCORP, INC. (TX).
Issue: Can't contact lender

Complaint: A company called XXXX XXXX keeps calling " No Caller ID '' but once left a number of XXXX, the cuss at me and per the voicemail states " This XXXX is over '' and keep using false names such as a sheriff, a detective and the same lady keeps calling changing her name. The first time she used XXXX XXXX. She keeps stating she is picking up for warrants and I have no warrants. She states she will be at my house within the hour and they do n't show. Her scare tactics are very uncomfortable that she is acting as a legal community servant. I am contacting a lawyer to try and stop the harassment. They have also called my job which I am not sure how they got the number and release information about this matter to coworkers about my financial debt. They have not mailed me anything or emailed me documentation but still call every other day harassing me as well as my mothers cell phone.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with SYNCHRONY FINANCIAL (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX dba XXXX office manager XXXX, billed to our Care Credit/Synchrony Bank Account for work that was to be done in the FAR future, not within 30 days. This work has still not been rendered, but they are STILL expecting us to pay for. XXXX told us that we were signing as ESTIMATE to lock in the prices, NOT they it gave permission to bill our Care Credit card. After this, they fired the Dentist I HIRED to do the work. I asked that ALL charges for servies not rendered to be refunded immediately, as I was going to follow XXXX to wherever he went to. XXXX REFUSED, stating work HAD been done. I asked for my file to be sent to me, XXXX never did. I filed a dispute with Care Credit. Care Credit sent me the information that XXXX sent them ; in this packet of information, was ALL of my PERSONAL information that I had asked for & XXXX refused to give me. In this was my Patient Ledger AND ALL the Clinical Notes with my personal information!!! I did NOT give XXXX nor XXXX my permission to release ANY of my personal information!! This is in DIRECT violation of HIPPA!! Once I got all this information, I compared the Patient Ledger to the Clinical Notes, figured out what was ACTUALLY done & then paid accordingly. Care Credit & XXXX REFUSED to take the bogus charges off the account. I ca n't get any more dental work done until the charges are removed. I XXXX. This is causing MANY issues with my health & well being & my relationship with my husband. I HAVE PROOF THAT THE WORK THEY ARE BILLING FOR HAS NOT BEEN DONE!!! I REFUSE TO PAY FOR WORK THAT HAS NOT BEEN DONE!!!

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 08-12-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with Specialized Loan Servicing LLC (IL).
Issue: Trouble during payment process

Complaint: We have never missed a payment with the company and we are trying to modify our loan and making it extremely difficult. They also came back with a 6 month trial where the payment went up over 200xs our original payment. We have hired a lawyer and they are not corroborating on resending documents over for review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Debt collection (I do not know) with FirstPoint Collection Resources (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have disputed the information that is being reported on my credit reports to the company directly and to the CFPB. The company is fraudulently reporting information on my credit files. This is being reported and tied to a name XXXX XXXX XXXX, 2. That is not my name.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Mortgage (Conventional home mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (MI).
Issue: Trouble during payment process

Complaint: This is the second complainant regarding Beneficial Mortgage Company, ( HSBC ). The first complainant involved unpaid taxes for XXXX and XXXX. Property insurance fee of {$4100.00} Notice from XXXX County Treasury for back taxes exceeding 4,200.00. and additional fees to my account by XXXX XXXX XXXX totaling over {$6500.00} Complainant # 2 involves my conversation with HSBC on XXXX XXXX, about an increase in interest fees starting after XXXX/XXXX/XXXX. I was told by XXXX XXXX that my interest fee would increase to 3.0 after XXXX/XXXX/XXXX. In 7 years the fee would increase to 4.0 and after 8 years the interest rate would increase to 4.4 percent. The statement from HSBC states my interest rate of 2.0000 % would remain the same through XXXX. I am enclosing a copy of my monthly statement from HSBC. The statement verifies the interest rate of 2.0 percent until the year XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Trojan Professional Services, Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: For a very long time I have made efforts in getting rid of a collection account or the medical that does not belong to me. Its clearly showing on the report the last reporting date was in XX/XX/XXXXand the company has failed to adequately provide me with documentation that the count actually belongs to me. The original that was in XX/XX/XXXXand I would be happy to view any signed paperwork by myself and a copy of any adequate identification that was provided during the transaction. Of course this does not exist in the account should be removed Immediately as required by law and the rules at Set fort for ID theft victims

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I mailed an investigation request to XXXX, XXXX, and Trans Union on XX/XX/XXXX. More than 30 days have passed and I have not received my investigation results. I am attaching a copy of the letter I sent them.

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 12-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NV).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I have called several times to request a more compatible interest rate on my credit card. Their APR decision was based on information over 5 years ago. My credit scores and credit behavior has improved immensely since the account opening and it should be reviewed accordingly. Its unfair to the consumer that they continue to be penalized year after year with unrealistic and incompatible rates. I have escalated this to the office of the president and yet no one seems to care. My next step is to contact the media in regards to unfair practice by USAA as they are taking advantage of us veterans who put our lives in peril for our country.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (CT).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Portfolio Recovery Associates has repeated cycled and called regarding a {$180.00} debt. Years ago they claimed it was from a XXXX debt that I paid off, and when that failed someone on the phone said it was another debt that I paid off, from XXXX. Currently my credit report says XXXX XXXX was the original creditor. I never owed XXXX XXXX. When I asked for any kind of proof of debt to be sent to me, they claimed they did not need to provide one. They claimed that the burden of proof was on me to prove I did NOT owe the money. I am not interested in falling prey to some kind of scam, otherwise I would just pay it off.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Credit card () with BANCO POPULAR DE PUERTO RICO (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I sent a payment of {$300.00} ( {$200.00} money order + {$100.00} personal check ) and it was received by the bank and credited to my credit card on XXXX/XXXX/15. I received the monthly statement showing the payment was received on time by Banco Popular de Puerto Rico. Also, it said no payment was needed next month because of good payment history. On XXXX/XXXX/15 the bank sent me a letter explaining the {$300.00} credited to my credit card was an error. The bank is alleging the {$300.00} were for a different account. So, they withdrew my payment and credited the {$300.00} to someone else credit card. The bank ends by saying all this will be reflected on your next month statement. This situation puts my account as no payment received, so the purchases I made ended up over drafting my credit card. The bank keeps calling me alleging that the payment was ''reverted '' when I asked them what that meant they say it had no funds. My check was chased and cleared by the bank and I doubt that a money order from XXXX XXXX had no funds. Even though they keep calling me, no one can explain clearly what happened, instead they keep asking me for a payment that I already made. Plus, in XXXX/XXXX/15 they received another payment I sent for {$100.00} and it was chased and clear by the bank without trouble. My complaint is that someone is going through all this trouble to steal my money, alleged that no minimum payment was received, charging me late fees, and ultimately affecting my credit report by over drafting an account that should be in good standing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: In XXXX last year there were some hurricanes that affected several states including ours. We were contact by XXXX offering to provide a 90 day grace period on mortgages. We contacted the bank and took up the offer. We were told that prior to the 90 day period ending, we should contact the bank to make arrangements for payment. We went in to a local branch assuming that the payments would just be added to the end of the contract. NO - they wanted the three back payments at once. We are retired and on a fixed income and let them know that. The local office gave us a number to contact which we did. In the meantime, we got a letter threatening foreclosure on our XXXX XXXX property. We tried dealing with the Bank but were getting no where. We contacted your office and you sent our complaint to XXXX. There response in XX/XX/XXXX was to take our XXXX XXXX home off foreclosure and extend the 90 day grace period for another 90 days ( we don't have to pay until XX/XX/2018 ). WE DON'T NEED OR WANT THAT. We have been making our regular payments ON TIME since the first 90 day expired. However, what we have found out is that they have reported us to the credit bureaus as late on both my report and my husbands. According to the email that offered the grace period XXXX wasn't going to report this option as late. Also on our monthly bills, the amount that shows as due is the full 90 days PLUS the current month. We have no problem with making the current payment but there is no way to pay 3 months back payment.

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 05/22/2015 about Mortgage (Conventional fixed mortgage) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Loan servicing, payments, escrow account

Complaint: my bank is calling me day and night up to XXXX times a day. I am NOT behind on my mortgage. yet they harrass me on the tele. i am ill- i am XXXX they are disturbing my rest and making me ill with anxiety.

Company response to consumer: Closed
Consumer complaint received 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I am writing you this letter in regards to open student accounts/loans reporting on my credit report. These specific loans are reporting inaccurate balances. They have not been verified to be belonging to me. They have also, reached the reporting limit statue of 7 years. I am requesting that the following student loan accounts be removed from my credit report immediately. This is negatively affecting my score, debt to income ratio, and the process of buying a home. I will wait 14 days to ensure the removal of the accounts listed below before I proceed further. I hope that this matter is resolved in a timely manner. 
The accounts to be removed are as followed : XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX Closed XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX XXXX XXXX XXXX / XXXX {$430.00} XX/XX/XXXX ( 3 yrs, 3 mos ) XXXX XXXX XXXX / XXXX {$440.00} XX/XX/XXXX ( 2 yrs, 6 mos ) XXXX XXXX XXXX {$530.00} XX/XX/XXXX ( 2 yrs, 6 mos ) XXXX XXXX XXXX {$1200.00} XX/XX/XXXX ( 2 yrs, 11 mos ) XXXX XXXX XXXX {$1500.00} XX/XX/XXXX ( 3 yrs, 6 mos ) XXXX XXXX XXXX {$1800.00} XX/XX/XXXX ( 6 yrs, 9 mos ) XXXX XXXX XXXX {$2000.00} XX/XX/XXXX ( 4 yrs, 6 mos ) XXXX XXXX XXXX {$2200.00} XX/XX/XXXX ( 2 yrs, 8 mos ) XXXX XXXX XXXX {$2200.00} XX/XX/XXXX ( 3 yrs, 3 mos ) XXXX XXXX XXXX {$3000.00} XX/XX/XXXX ( 6 mos ) XXXX XXXX XXXX {$3100.00} XX/XX/XXXX ( 6 yrs, 6 mos ) XXXX XXXX XXXX {$3500.00} XX/XX/XXXX ( 6 yrs , 9 mos ) XXXX XXXX XXXX {$3500.00} XX/XX/XXXX ( 6 yrs, 2 mos ) XXXX XXXX XXXX {$3600.00} XX/XX/XXXX ( 8 yrs, 2 mos ) XXXX XXXX XXXX {$4300.00} XX/XX/XXXX ( 2 yrs, 11 mos ) XXXX XXXX XXXX {$4500.00} XX/XX/XXXX ( 4 yrs, 3 mos ) XXXX XXXX XXXX {$4500.00} XX/XX/XXXX ( 5 yrs, 3 mos ) XXXX XXXX XXXX {$4600.00} XX/XX/XXXX ( 6 mos ) XXXX XXXXXXXX XXXX {$4700.00} XX/XX/XXXX ( 1 yr, 6 mos ) XXXX XXXX XXXX {$5300.00} XX/XX/XXXX ( 4 yrs, 3 mos ) XXXX XXXX XXXX {$5900.00} XX/XX/XXXX ( 5 yrs, 3 mos ) XXXX XXXX XXXX {$7200.00} XX/XX/XXXX ( 3 mos ) XXXX XXXX XXXX {$8400.00} XX/XX/XXXX ( 6 yrs, 2 mos ) XXXX XXXX XXXX {$9200.00} XX/XX/XXXX ( 8 yrs, 2 mos )

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 12-01-2016 about Credit card () with BARCLAYS BANK DELAWARE (NY).
Issue: Late fee

Complaint: I have a problem with a late charge. my due date was XXXX 2016.could not make payment online. I made my payment late XXXX XXXX over the phone with customer service. 
She waive the late charge because I was never late. 
But because the statement was generated in XXXX I made payment of my regular payment. Since XXXX I have called and customer service service would waived the late fee. I was given a min payment and pay that payment on time. But get a statement eve ever month even after calling and given a min payment. 
Barclay would still not correct the statement and I would be late because the sTATEMENT REFLECTS A DIFFERENT PAYMENT THAT WAS TOLD TO ME OVER THE PHONE. 
iT SEEMS TO ME EVERYTIME I WAS TOLD THEY TOOK THE LATE CHARGE OFF IT WAS PUT BACK ON BECAUSE THE STATEMENT DID NOT REFLECT WHAT WAS TOLD TO ME OVER THE PHONE. 
SO MY MIN PAYMENT IS HIGHER THEN IT SHOULD BE AND BARCLAY WO N'T FIX THE PROBLEM I WAS LATE ONCE ' DUE TO THEIR WEBSITE. BARCLAY IS NOT TAKING OFF THE THE LATE CHARGE AND NOT CREDITING THE STATEMENT CORRECTLY. 
THIS HAS TO LOOK INTO FOR FRAUD

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 04/24/2017 about Debt collection (Credit card debt) with JPMORGAN CHASE & CO. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Dear sir/madam I had a credit card account with CHASE BANK, Due to some personal issue I was unable to make my payment for some time but later in the year XXXX a collection agency sent me a letter on behalf CHASE BANK, The collection agency stated that they going to let me pay half of the credit card debt and also the account will be taken of my credit report. I paid the debt but until now CHASE BANK still have it on my credit report that I am still owing the debt. This XXXX XXXX as I tried to apply for credit card, there I found out that CHASE BANK still have it note on my credit report that I am still owing them debt I already paid. I attached a copy of the letter sent to me from CHASE BANK after I applied for a credit from chase this XXXX XXXX and a copy of the note on my credit report regarding the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (TX).
Issue: Unauthorized transactions or other transaction problem

Complaint: Sold bitcoin, XXXX XXXX, {$1300.00} USD, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Complete and withdrew funds {$100.00} USD, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Complete is what shows on the Coinbase website in my account information then I received the following emails : Unfortunately we could not process your sell of XXXX XXXX onXX/XX/XXXX because the name associated with your bank account did not match your Coinbase account. and Unfortunately we could not process your withdrawal of {$0.00} USD on XX/XX/XXXX because the name associated with your bank account did not match your Coinbase account. i have been using the same bank account on Coinbase since XX/XX/XXXXsuccessfully. now my account shows {$0.00} Total balance. No money has been transferred to my bank account and no bitcoins or money remains in my Coinbase account. I have information showing the transactions have been completed and emails saying they were n't completed. i have no idea where my money or bitcoins are and I can not receive an answer from Coinbase even after submitting numerous support requests. As a XXXX year old retiree living on social security this money is very important to me. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (TX).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: Citi B ank advertised in  XXXX   XXXX  that it will give {$400.00} bonus to a customer who deposits {$15000.00} into a new  Citi B ank checking account. The bonus will be rewarded within 90 days. I opened a checking account with  Citi i n  XXXX , deposited {$15000.00} on  XXXX   XXXX ,  XXXX . The bonus is supposed to be deposited into my account on  XXXX   XXXX ,  XXXX . I called the bank many times but as of today,  XXXX   XXXX ,  XXXX , the bonus {$400.00} was not there yet. Because I have to work as an   XXXX  for  an   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX , I do n't have time to follow up on this matter. I happened to know th at Citi B ank has done the same for many others until the customers complained to CFPB, then it turned around to say they could not verify customer account, but after a few days they went ahead to pay.     M y Citi  account number is  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 12-02-2015 about Payday loan () with Big Picture Loans, LLC (GA).
Issue: Received a loan I didn't apply for

Complaint: About 3 weeks ago I received an email saying my loan was pending with castlepayday. I ignored. Within the hour another email arrived saying the loan had been approved. I called the number in the email and told them I never applied for a loan, the agent said it was just an offer. I proceeded to delete the emails. On XX/XX/XXXX I noticed that castlepayday had deposited {$900.00} into my checking acct. I called my bank, XXXX, and asked what to do. I also filed a complaint with the FTC and contacted an advocacy group. At this time I had no idea how to contact CPD however in the meantime XXXX was watching my account and did a stop payment so castlepayday could not takeany money out of my account as a precaution. XXXX also made arrangements to return the money to CPD as soon as it finished processing. 2 days later the loan processed. I now had a contact number for CPD and called them and told them I never applied for a loan and they would receive the funds of {$900.00} back within 5 business days. I spoke with a XXXX, supervisor, who assured me they would not take any money from my account and would close this and erase me from their system. On XX/XX/XXXX castlepayday.com withdrew {$310.00} from my checking account. The name now included .com and the system only knew to do a stop payment on Castlepayday not castlepayday.com. XXXX has been contacted again and explained to me how CPD got around my account. I called CPD and requested the money to be returned since they were never authorized to take money from my account. CPD kept insisting that they needed to verify the funds were removed by talking to my bank or checking with my online banking or having me send them a bank statement. I refused all XXXX since they already have this in their system. I told them I was not going to give them any additional information since they had what they needed to get into my account. For some reason they kept insisting they needed the info so I asked for a manager since the agent was n't getting that they have the information including my {$310.00}. A manager named XXXX finally got on the phone and she requested the same info I told her know that they already have it so she is suppose to contact their research team to look into this and get back with me on XX/XX/2015 in the meantime my bank is blocking them from having access to my account under CastlePayday.com. I have no idea how they got my banking information or what gives them the right to take money from my account without my permission.

Company response to consumer: Closed with explanation