milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Showing an account by the name of XXXX XXXX which has been settled and should Be removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/25/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The bill was paid to receive new services through same XXXX utility systems so why they have not reported that it is resolved I do n't know! I currently have service with them now!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2017 about Consumer Loan (Vehicle loan) with HARLEY DAVIDSON FINANCIAL SERVICES INC. (LA).
Issue: Taking out the loan or lease

Complaint: Bought a XXXX XXXX with Harley Davidson Finance. Was assured there is no prepayment penalty. Tried to payoff in large payments only to realize monies being applied to interest on whole term loan. The interest was souring high. The only way to get out is to pay full current amount with current interest. Partial to that is applied to full loan maturities amount.is this legal to charge interest for full term amount?

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Billing disputes

Complaint: In XXXX of 2012 we opened up a Bank of America XXXX XXXX Credit Card. BOA charged us {$100.00} to be used as a down payment on a future cruise. There was NO EXPIRATION date. We are now booked on a cruise and since XXXX I have tried to find out where our {$100.00} went to no avail. We submitted letters asking for our money back and just received notice that it is has exceeded any dates giving us money back. How can this be when there was no expiration date from the beginning.We only know that we were charged, we paid it and now we are NOT getting our money back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Mortgage (Conventional fixed mortgage) with RELIANCE FIRST CAPITAL LLC (NM).
Issue: Application, originator, mortgage broker

Complaint: I was seeking to re-finance my mortgage to a lower rate. I checked XXXX, and discovered the lowest bid for my situation with a 30 year fixed rate mortgage was with Reliance First Capital , LLC. The indication rate was an APR of 3.315 %, a nominal rate of 3.25 %, and fees of {$3100.00}. We contacted XXXX XXXX at the XXXX, TX office of this firm. He established that both I and my wife have credit ratings of over XXXX. He asked what I would like our new payment to be. I simply said the lowest possible. He finally quoted a rate of 3.875 % with an APR over 4 % and fees of over {$5000.00}. He was very reluctant to provide the APR, and told us there were no fees. We had to badger him about what the new balance of the mortgage would be to finally understand most of the fees were in a higher mortgage balance. This sort of bait-and-switch behavior makes it very difficult to shop for mortgages.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Debt collection (Medical) with Centron Services (MT).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I had older medical debt in my name that I viewed in my credit report. I viewed XXXX, XXXX and XXXX. I wrote all of the debt collectors that I had debts with asking for verification of my debts, including Credit Systems ( Centron Services ) in XXXX, Montana. Credit Systems reported ( As " Centron Services '' ) to XXXX of the XXXX credit reporting agencies for ONLY the XXXX debts, and to XXXX of the agencies they reported to reported over {$1000.00} more than the original/actual debt on XXXX of the accounts. 
This was apparently a {$4300.00} debt, according to the collection letter they repeatedly sent out. About a month after sending out the verification of debt letter to Credit Systems I received a response back. They claim on their front page that I owed {$4300.00} but on the verification of the debt from the hospital I owe {$2900.00}. That was the only verification they sent me.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The debt in question is invalid as the equipment that they claim they are charging for WAS returned. When I filed a dispute with the credit reporting bureaus this was removed from my account. Per the dispute it was marked that the items were returned and the account balance owed was {$0.00}. 

The collection agency responded by sending me a fraud packet in the mail ( which I did NOT fill out since this was NOT fraud ) and putting fraud alerts on my credit accounts with the bureaus without my authorization which has caused me numerous headaches trying to get them removed and causing me headaches with banking and other financial matters.

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 01/27/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Billing disputes

Complaint: Copy of a letter I am sending to Capital One : Former Credit Card I dispute : The same as at least a year ago I got a postal notice and an automatic telephone call probably on the same subject. It was to collect an amount approximately {$120.00}, same as I disputed before. 

I NEVER MADE THIS CHARGE, I discontinued service and destroyed the card at least XXXX years ago. ( I explained this by phone a week ago about, but do not have the account number available anymore. )

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2016 about Money transfers (Domestic (US) money transfer) with QUICKEN LOANS, INC. (CO).
Issue: Other transaction issues

Complaint: Quicken Loans pulled {$310.00} out of our checking account and put it into our escrow account without our consent. When I brought this to their attention on XXXX/XXXX/16 they admitted that it was their mistake and they would make it right, however all I get is the run around that they are looking into this and I was supposed to get this money returned within 72 hours into our checking account and I still do not have the money! I called again on XXXX/XXXX/16 and again was given the runaround that some other team will look into it on Monday XXXX/XXXX/16. I need this money! It took them but a nano second to take the money from my account, now why ca n't this be taken care of as fast? I am sitting with {$2.00} in my checking account and really need this money! This amounts to theft in my eyes and fraud! That they can go into someones checking account and take money out without consent and then give the consumer the runaround to get their money back is just not right! I do n't care how nice they are on the phone! I want my money and I want it back now!

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2017 about Debt collection (Credit card debt) with MRS BPO, LLC (MA).
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint: To Whom I t May C oncern : MRS BPO , LLC of  XXXX   XXXX , NJ has been harassing me over unpaid credit card debt for years. Initially, I began to receive a collection letter or phone call once every few weeks ( the calls were always received on my mobile phone, which was and remains on the do not call list ). I notified them with the use of form language found through the CFPB that they were not to contact me going forward. However, the calls started arriving half a dozen times a day from different numbers and area codes. A representative of MRS BPO , LLC called my workplace and repetitively asserted to the receptionist that he had to speak to me because of outstanding debt and legal problems. He told her that if I was not pulled out of the meeting to answer his questions, the police would arrive to arrest me. This was, needless, to say, humiliating.     Then my father  XXXX   XXXX   XXXX   XXXX   XXXX , an   XXXX   in  XXXX   XXXX , Florida who is more th an thirty yea rs older than I am received a call from MRS BPO , LLC, but before they could reach him ( he was seeing a patient ), the representative made a point of characterizing my father ( who I 'm assuming he thought was me ) as a criminal, etc. to his office staff. My father had no idea what any of this was all about, and after panicking, he assumed it was some sort of strange extortion attempt. He told me about it later that day, and I asked him for the incoming number. Sure enough it was MRS BPO , LLC.     Several weeks later, my mother receives a call on her cell phone alerting her that her son had done something very, very bad, but that they were not at liberty to discuss it or identify themselves. I 've never seen her so rattled in my entire life. She thought I had committed a heinous crime or was involved with organized crime or something of the like.     Now for the straw that brok e the camel 's  back : I examine my credit card statement, and without my knowledge or consent, MRS BPO , LLC has begun charging my new   XXXX   XXXX    credit card, for what I can only assume is money they assume to be theirs, though I have disputed that assertio n in various venues for years. ( see attached screenshots  ).   These disputes have not led to any determination of responsibility. In short, MRS BPO , LLC violated basic debt collection regulations, humiliated me at work and with my family, and then stole from me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Debt collection (I do not know) with Midwest Recovery Systems (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: they keep calling. they wont send any verification of debt. they threaten to come to my place of work and have my boss sign papers. This is not my debt. I have never done business with a company called " XXXX '' now they placed the debt on my credit file

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Credit card () with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Overlimit fee

Complaint: I have a Citizens Bank credit card. I have not made a purchase on the card since XXXX 2011. I have the payment auto deducted from my checking account. The way this card is set up you can only have the minimum payment deducted or the full balance of the card. 
I had, the minimum payment deducted every month. Somehow with no purchases made the interest took the balance over the credit limit. Seven times in the past year they have charged me, a XXXX fee. Called them, they said they would credit me XXXX fee. I do not understand how you can make a minimum monthly payment and the card went over the credit limit with no activity on the card.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2016 about Credit reporting () with EQUIFAX, INC. (UT).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: All ( XXXX ) Credit Reporting Bureaus are reporting the closed XXXX Account as a Repossession. The fact of the matter is, I paid off the entirety of this loan in advance of the maturity date and I hold the title and lien release to the vehicle. No Repossession ever occurred yet after XXXX CFPB complaints with XXXX and these XXXX complaints - XXXX for each credit reporting bureaus, they can not accurately report the " correct '' status and would rather ruin someone 's credit score than do their " due diligence ''

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Account opening, closing, or management

Complaint: I opened a checking account with Chase bank. I funded the account and set up online banking. I attempted to login to my online banking and received an error message saying I had been locked out. I called Chase and was told that the bank had decided to close my account and that they were not obligated to tell me why. Since Chase is a creditor that uses credit reporting agencies - some specific to banking such as XXXX XXXX I feel like my rights under the Fair Credit Reporting Act have been violated. Given that JPMorgan Chase is a repeat offender of blatant FCRA violations I felt making this report should be necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (PA).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I called to report a card lost. The agent closed my account instead, without my authorization. In the time since, I have received multiple mixed messages. I was told that my account was close due to fail to reissue, that my account was closed because I closed it, and that my account was n't closed and I would get a new card i  n 48 hours.
I just got off the phone with a diferent manager and was told that the ban    XXXX   decided to close my card effective  XXXX  and that would not be reissued a new card.     I have been a customer with Citibank since   XXXX  . The multiple mixed messages, poor communication skills of the customer service representatives, and the arbitrary nature of detemining whether to reissue a card is unacceptable.

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 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Problem with fraud alerts or security freezes

Complaint: Having issued with the three credit bureau 's. XXXX place a Fraud Alert on my credit account. I contacted XXXX via fax, to remove the Fraud Alert. I was told that it would take up to 48 hrs. for removal, I also contacted XXXX and TransUnion, was it would be removed by the end of the business day. Around the beginning of XX/XX/XXXX I contacted XXXX again requesting the removal, I was giving a case number of XXXX and a conformation number of XXXX stated from them that the Fraud removal was done. I contacted the other two  agencies requesting the same, I was told by both agencies that they could not remove the alert until XXXX remove it. Contacted XXXX  again requesting the removal, was told that the alert was removed and that he would put in another request in because I could still see the alert attached to the account that was monitored through them, given the conf. no. XXXX. also mailed in a request on XXXX XXXX,2017. as of today the Fraud Alert still stand on the accounts. Today I received correspondence 's from XXXX and TransUnion stating that I requested an Extended Alert to be place on the account, to which I placed no such requested. Contacted the bureau 's was told XXXX  and a third party requested X/X/17 and X/XX/17

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 02-07-2018 about Debt collection (I do not know) with Ray Klein, Inc. (WA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: A debt collection company claims I owe them in excess of {$10000.00} dollars. Through disputes I have had over {$9000.00} removed as zombie debt by both XXXX  and XXXX In response to this, the debt collection company has filed suit against my former employer for wage garnishment. I believe suing a company for whom I no longer work, for debt that no longer exists, constitutes harassment. I intend to file a complaint with the Washington State Attorney General as well.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2015 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Other fee

Complaint: Recently I had filed a complaint with your agency against Synchrony Bank XXXX regarding a {$25.00} Fee along with Interest charges applied XXXX my account for the XXXX Payment Method which according XXXX all of these Shop @ Home TV Programs are interest free & I believe I was Correct because Synchrony Credited back XXXX my XXXX Account all of the interest charges.So I decided XXXX check My Synchrony /XXXX or XXXX Acct and low and behold over {$450.00} in interest charges have been applied XXXX my account even though XXXX States on their program XXXX is Interest Free.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/19/2018 about Debt collection (Credit card debt) with Five Lakes Agency (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: FIVE Lakes Agency [ Fraud Department I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that [ Five Lakes Agency ] absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. Sincerely, FB

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with MERCANTILE ADJUSTMENT BUREAU, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft and noticed a collection from MERCANTILE ADJUSTMENT BUREAU I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against MERCANTILE ADJUSTMENT BUREAU in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I paid off my mortgage on XXXX XXXX, 2015. I called on Nationstar on XX/XX/XXXX to confirm that the pay off was received and credited to my account and the automated system reported that I still had have a balance and a payment due. Nationstar 's phone system does not provide a menu option to speak to a representative. With great difficulty, I was able to reach an agent named XXXX by " lying '' to the system and telling it that I wanted to make a payment by phone. XXXX confirmed receipt of the pay off funds and adivsed that an escrow refund of {$1300.00} would be mailed to me within 18 days of pay off. On XX/XX/XXXX, I called back and spoke with XXXX. I notified XXXX that their automated system continues to say that I have a balance and a payment due. She again confirmed that the pay off was received and credited to my account. She could not provide an explanation for the system still showing a balance but advised that it would be corrected. She also advised that XXXX had given me correct information as escrow refunds are retirned within 30 days of pay off. On XX/XX/XXXX, I called back to investigate why I still have not received my escrow refund. The automated system continues to say that I have a balance and that I am overdue for the payment due on XX/XX/XXXX. This time I spoke with agent XXXX who again could provide no explanation. I expressed my concern that this account may report late to the credit bureaus. He responded with " Well, if that happens, just give us a call back. '' This is unacceptable! He also advised that my escrow refund has not yet been processed. I explained that my understanding is that the law requires that escrow refunds be mailed no later than 30 days after pay off. XXXX said that I would need to speak with someone in the escrow department and that he would transfer me. After over 20 minutes on hold, a representative named XXXX picked up but was apparently having phone problems and could not hear me. I called back and searched through the menus for the escrow department. After another 30 minutes on hold, I hung up in frustation. Altogether I have spent approximately 2 hours on the phone and on hold with no resolution for this problem in sight.

Company response to consumer: Closed with explanation