milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-08-2015 about Bank account or service (Checking account) with CHARLES SCHWAB CORPORATION, THE (CA).
Issue: Account opening, closing, or management

Complaint: I have a Charles Schwab checking account and brokerage account for more than one year, and one day, they suddenly think I am doing fraudulent things and they closed all my accounts later. I did n't do anything illegal at all, I ca n't endure it!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had a medical account from an ER visit. I am covered under the VA but the VA never paid, but I did not find out until I was checking my credit report. I paid it immediately with the intention of having the VA reimburse me. The collection company, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , PA told me they would remove the submission to ALL credit bureaus on XXXX/XXXX/2015. They also send me a letter to confirm that this was paid in full. But Experian keeps reinserting it and I have sent them proof. I call XXXX XXXX and they tell me that they have removed it from all XXXX bureaus, I call Experian and they say no that they keep receiving it for submission. I WANT IT REMOVED, IT IS PAID IN FULL!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/30/2016 about Mortgage (Other mortgage) with Franklin Credit Management Corporation (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My XXXX mortgage was originally with XXXX XXXX XXXX, who went out of business and the servicing of my loan was transferred to Franklin Credit aka XXXX. They have been nothing but a nightmare refusing assistance unless it is in the form of usury. They refuse to comply with California Statues, specifically, the HBOR. My wife and I were so nervous we completed the application for mortgage assistance incorrectly stating the yearly amiount of income the column which called for monthly. Based on that mistake, Franklin Credit demanded {$24000.00} down and {$1400.00} a month on a {$110000.00} which was originally {$70000.00} and when we emerged from bankruptcy it was only {$56000.00}. I explained the mistake to Franklin Credit who refused to give me another application stating it was too bad and that the loan was recasting. My calculation shows {$110000.00} is at 9 % for 120 months ( 10 years ) however, my original note was only at 8 % for 30 years and my original payment was {$600.00} a month. Furthermore, Franklin does not indicate where the {$24000.00} dollars requested would be applied to. These tactics have XXXX my wife and out, my total monthly income is only {$7000.00} a month.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Amsher Collection Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was contacted around XX/XX/2015 regarding a XXXX account which, in my best knowledge, was owned by my father, XXXX XXXX, when we used to live in an apartment, XXXX XXXX XXXX XXXX XXXX a couple of years ago, TX XXXX. My father is a senior citizen, so since I take care of many of his day to day needs and business, I used to make payment to his dish network account using my credit card information. 

I was contacted by this collection agency first time ever. The representative mentioned the XXXX account like it was mine, so I told him it was under my father name, XXXX XXXX. Then he said, I had been paying his bills. I told him, I used to make payment, behalf of him using my credit card information. 

This collection company using illegal tactics to collect a debt. XXXX XXXX never tried to collect the due balance from me by trying to make me liable for the remaining balance. 

Collection company report the due balance to my XXXX XXXX credit report. I am a very responsible homeowner and have had a mint credit history. 

A notarized statement from my father could be provided upon request that it was his account and I was n't liable for it to begin with. 

My father lives with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Disputes of negative issues and Inquary

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 02-09-2017 about Money transfers (Domestic (US) money transfer) with KEYCORP (MI).
Issue: Wrong amount charged or received

Complaint: I want my {$5.00} back! 
To whom it may concern : I came to Key Bank when XXXX XXXX was the manager there. XXXX bent over backwards helping me set up a new business. She truly cared and it showed. She would actually call me to make sure an issue was resolved. She was a total delight to work with. XXXX was a wonderful as well. 

After that, the whole atmosphere of the bank changed. XXXX refused to help me in any way. I had XXXX issues I needed help with and both times she handed me an XXXX number and told me to handle it through them. After spending much time attempting to rectify the issues myself, I complained to corporate about her total lack of customer service, she must have been notified because she has made me pay ever since. 

I inherited a substantial amount of money and one of your tellers ( XXXX ) suggested I invest the money in a CD and quoted me a rate. I agreed and XXXX started setting up the account. I called to finish the transaction and XXXX said " too bad, the interest rate you wanted expired yesterday and XXXX is on vacation ''. After I called corporate, she called back and said she would honor the rate. 

I noticed another staff ( XXXX ) had picked up on her behavior as well and the few times I called, they would bounce me back and forth - keeping me on hold for ridiculous periods of time. 

Last week I needed to send a wire transfer, I asked the price and XXXX said {$25.00}. I was charged {$30.00} and asked XXXX about it. She said " XXXX make a mistake and I corrected her ), however, I will not refund the {$5.00} because you signed the wire transfer contract. Really? 

I have never been treated like this before and am stunned that this seems to be acceptable by Key Bank. 

XXXX will never receive credit for the {$250000.00} I would have invested with Key Bank had staff behaved in a competent manner. XXXX has been a pleasure to work with. 

Key bank lost an excellent customer that would have stayed with Key Bank for life had I been treated with respect. I hope their behavior was worth it for them, because it sure did n't benefit Key Bank. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/14/2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: In XX/XX/XXXX I was the victim of identify thief. Upon pulling my credit report and discovering all list of unauthorized inquires and accounts, I immediately contacted the credit reporting agent to place a freeze on my credit file. On XX/XX/XXXX I sent the reporting agency a certified copy of the identify thief police report, a copy of ID, social security card and a list of the fraudulent items in question. Despite my efforts, the credit reporting agency continues to send letters stating that I must contact each company individually. As a consumer faced with restoring my life after identify thief this is a very disheartening situation. Experian continues to violate my rights under the Fair Credit Reporting Act, by reporting information on my credit report that are fraudulent, inaccurate and not authorized. Due to their reporting negligence, this is ruining my life!

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 06-06-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Bankruptcy

Complaint: I XXXX XXXX filed bankruptcy chapter XXXX four years ago case no XXXX curently i '' m selling home and the tile company find XXXX judements against my property capital one and XXXX XXXX -credit cards. Tile company offer me they will hold the amunt of the judements for 150 % and return too me after 2 years when the judements wiil be expired Atorrney who represent me durning bankruptcy is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Within the past couple of years I have had so many issues with the student loan service XXXX. It all began in XX/XX/XXXX. My family had already warned me that I needed to make sure that I filed for a deferment, forbearance, or set up a payment plan because the damage that student loans could do to your credit would be a life changing experience. I began begin contacted via mail in XX/XX/XXXX about my loan payments and I quickly went off the information needed for a deferment/forbearance and mailed it back to XXXX. I never received confirmation that I was approved or denied. The letters stopped and I did n't worry. In XX/XX/XXXX I received a letter informing me that XXXX was reporting me to the credit reporting bureaus because I had passed the 90-day late payment mark. I immediate had them to send the form and again and filed it out and faxed it while on the phone and asked why I had n't received any letters regarding the end of the deferment/forbearance. At the time I was informed by the phone representative that she did not have access to that information but with the forbearance the late-payments would be removed within a year. Since XX/XX/XXXX, I have been told that no such " forgiveness '' exists and I have been told that I was contacted in XX/XX/XXXX via email address that was provided by my school in XXXX. I asked why would they use an old email instead of contacting me via mail when that had always been my preferred form of communication. I was then told by a supervisor in the dispute department that as my loan service provider they had the authority to communicate with me whatever method that they choose. If I never needed to borrow money for school, I would not be in this situation. I was told that there are no options, I can have automatic payments for years and nothing would ever change on my credit and that it is my responsibility to contact them regularly to check on the status of my loans. He then went on to suggest that I just suck it up and deal with the damage toy 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 10/13/2017 about Payday loan, title loan, or personal loan (Payday loan) with Tribal Lending Enterprise, Inc. (KY).
Issue: Charged fees or interest you didn't expect

Complaint: I took a loan for {$700.00} on XX/XX/2017 via the internet. I made arrangements to have the payments taken directly from my checking account. I made 2 successful payments. I was contacted via e-mail to notify me that my next payment was being made. It is then when I noticed that my payments of {$240.00} and {$230.00} had resulted in a remaining balance of {$810.00}. I still had not received a paper or digital copy of my agreement. I tried logging in and they made that difficult to do. I called and the would not tell me or provide me with fee information or an APR. I persisted and they e-mailed me the document. I was transferred to a supervisor, she then revealed to me that only {$35.00} of each payment went to my loan. I attempted to make payment situations with a lower APR/Fee they refused. Since this is a company that is not on United States soil, they feel that they do not have to abide by US laws. My interest rate is 860.5428 % APR and I only learned that number after 45 minutes and being placed on hold several times. This company, legal or not is deceptive at the least and should be avoided at all costs.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
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 Report per privacy guard XXXX card # XXXX Limit of {$7900.00} This is acount is being reported wrong and illegaly per the FCRA and XXXX XXXX reporting compliance mandates. 

This alleged Charge off debt shall not carry a balance or High limit which is injurous to my credit score.  and incomplete account number. Per FCRA all information reported shall be reported 100 % accurate or must be deleted. 

XXXX XXXX XXXX account # XXXX alleged collections account showing a balance of {$1300.00}. Which is again is being reported incorrectly and illegaly per the FCRA and XXXX XXXX reporting compliance standards.

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 09/25/2016 about Credit card () with BARCLAYS BANK DELAWARE (CO).
Issue: Billing disputes

Complaint: I responded to an introductory offer the end of XXXX by a company called XXXX XXXX for a XXXX and with it came a XXXX sample. It was FREE and the shipping costs were XXXX and of course I had to give them my credit card to mail the offer. I received both samples but also was billed 4 times in one month in the amount of {$89.00}, {$87.00}, {$89.00} and a XXXX th charge of {$87.00}. I called the company and told them I never authorized the usage of my credit card for additional shipments and there was nothing transparent in the introductory offer that advised more shipments would be forthcoming. So, I received my introductory package and called and cancelled the order when I received package number two which I did not ask for nor did I keep. I returned it to the sender and received two cancellation numbers XXXX and C XXXX. 
What is surprising about this is that today when I checked on the balance on my Frontier XXXX XXXX card they reversed the three of four credits and are charging me for products I did not request, charges that I did n't authorize and merchandise that I did not receive. I have had an XXXX XXXX XXXX and Platinum card since 1984 and have never once had an issue with fraudulent charges and have come to expect credit card companies to protect their customers from unwarranted charges. Apparently, it is in Frontier XXXX XXXX 's best interest to side with the vendor and they obviously did not do their due diligence even though they have had three months to figure this out. I will cancel my card but wanted this published so other card members will not be surprised that this company does NOT have your back.

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 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have disputed and asked to remove AES student loans form my credit report with XXXX. I am asking because the account does n't belong to me. The account was transferred without my knowledge.I am asked for it to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with American Coradius International LLC (MO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: American Coradius International LLC ( ACI ) XXXX, TX XXXX and XXXX, NY XXXX XXXX This company sent me a letter via the USPS stating that they are a collection agency collecting a debt on behalf of XXXX. 
Reference # XXXX I was able to confirm that with XXXX that my account is in good standing and I do not owe them anything. Upon attempting to discuss this debt with ACI, they were able to confirm they are collecting this debt. I requested the paperwork they received from XXXX that verifies the debt owed and they refused to provide that and said I would need to get that from XXXX. Naturally, XXXX, can not provide the paperwork because it does not exist on my account because the account is in good standing and they have not filed any collection action against me. 
I asked ACI where they got the account number on the statement and they could not confirm this source. Additionally I asked how they came up with the address that they mailed the notice to and they said that came from XXXX, which I believe to be a lie. I think this company is either attempting a scam, or actually has a collection account for someone with a similar name and is sending letters to everyone that has that name.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Credit reporting () with CORELOGIC INC (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have been working very hard to raise my credit scores, so that I might try to buy a home instead of renting. I have had child support issues in the past, mainly due to financial hardships out of my control, layoffs, injuries, ect. I have i.d . theft protection thru my bank, which I pay for monthly. this gives me access to my credit report on a daily basis, from the XXXX major companies, XXXX. when I told my real estate agent that my score was above his requirement to get me financed, he went ahead with standard credit check, on XXXX the company he used was called corelogic-credco. they sent him what they call a CREDCO INSTANT MERGE CREDIT REPORT. it reflected the positive payment history on my credit card, but did not show the positive payment history on my XXXX child support cases. when I look up my own report thru any or all big XXXX credit bureaus, they show positive payment history dating back 24 months on XXXX child support cases. Credco 's report shows NO payment history, and have XXXX child support cases listed as in COLLECTION. this is not true, due to the fact that Missouri is garnishing my social security, and my pension for this child support and have been doing so for years. I called credco, and they told me that they forwarded the report to my real estate agent, just the way they received it XXXX. I tried to call XXXX to no avail. why can I get my report with positive payment history, but credco and my real estate agent can not? this flaw in the system cost my home loan approval, even with my V.A. home loan certificate. my agent tells me that if the credit report would reflect my good monthly payment record for these XXXX child support cases, that he could have pushed loan approval thru. I reached out to everyone I could contact, only to get the runaround. everyone points the blame to someone else. are there not laws to protect people against wrongful or half truthful, or incomplete reports? seems to me that this system is set up to report as much bad as possible, so that the financial institutions can make money buy jacking interest rates on people with less than perfect credit scores. thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ProCollect, Inc (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This company which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of XXXX with XXXX, XXXX and XXXX. I have requested verification of the debt and account however the business failed to provide adequate proof, along with documentation that bears my signature showing that I have entered into a contractual agreement with them. I have disputed this debt with the credit bureaus, and filed a compliant with the BBB ( Better Business Bureau ).

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Checking or savings account (Checking account) with BMO HARRIS BANK NATIONAL ASSOCIATION (NY).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: Opened account XX/XX/17 and followed the requirements for bonus. Code was automatically applied on online application and was n't able to get code readout. Waited about 120 days before contacting. 
Messaged general inquiry. They mentioned that I used a code that made it uneligible and I was out of state. However, the final print was changed after I applied as it did not have the state requirement. They said I could no longer escalate the matter.

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 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hard inquiries made without my knowledge or permission. 

TransUnion : XXXX XXXX - Inquiry from XXXX made 2 times on same day XXXX XXXX, NJ XXXX ( XXXX ) XXXX I R XXXX XXXX Inquiry from XXXX/XXXX/XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX from XXXX/XXXX/XXXX No contact info listed XXXX XXXX Ser - Inquiry from XXXX/XXXX/XXXX XXXX -Inquiry from XXXX/XXXX/XXXX No contact info listed

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