milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/22/2017 about Debt collection (I do not know) with HSBC NORTH AMERICA HOLDINGS INC. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Found this information on my credit report and wrote a letter requesting a copy of the application and information to verify what this debt was for. I have not received a signed application, no ID, no billing and shipping information and anything else to validate this alleged debt belongs to me. I have written this company appearing on my credit report three times requesting information about this debt and only received a bill with a letter stating the bill with the amount on the credit report has been " verified '' and belongs to me. This is without a doubt insufficient. This company on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ny XXXX. XXXX. A billing statement with no explanation of goods, services, dates of goods or services rendered is not sufficient. I have requested this information to prove this belongs to me and have repeatedly not been provided with it.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Bank account or service (Checking account) with PROSPERITY BANCSHARES, INC. (TX).
Issue: Account opening, closing, or management

Complaint: XXXX XXXX - Banking Center President of XXXX showed unprofessionalism by taking the initiative to say Prosperity bank is not willing to accept customers with issues like XXXX. As an XXXX myself he decided to laugh in my place and say ; listen to this guy ' What options do I have

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2016 about Debt collection (I do not know) with Allied Interstate LLC (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: For several years now I have been getting collection calls for XXXX XXXX. I have repeatedly told the collection firms that I am not XXXX XXXX and to stop calling. The calls stop for awhile and then start up again. I have had calls for XXXX XXXX as well. 

The current firm has called me and now sent me a letter which I have attached. I am tired of playing this game with these folks.

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 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (WA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I 'm contacting CFPB to get assistance with several hard checks by the same company over a few months and also an unrecognized hard check. These hard checks occurred last year, however, they have tremendously effected my credit rating/score and needs to be addressed because of the multiple hard checks done. Please assist and advise. 
Thank you for your time. Following is a copyt and paste of the companies involved. 
Alaska XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX + Finance XXXX Inquiry from XXXX XXXX, XXXX + Finance XXXX Inquiry from XXXX XXXX, XXXX + Finance XXXX Inquiry from XXXX XXXX, XXXX + 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 01/18/2018 about Payday loan, title loan, or personal loan (Installment loan) with CNG HOLDINGS INC (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX is reporting a fraudulent account on my credit report for {$480.00} ... and I have not had no credit account in my name ... I file a police report stating I have never had this account and its still reporting account as open ... this account shall be removed from my credit files

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: XXXX is in violation of FCRA, FDCPA and XXXX XXXX Compliance.

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 05/16/2017 about Debt collection (Auto debt) with SANTANDER CONSUMER USA HOLDINGS INC. (AR).
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint: I had a agent call me from  XXXX   XXXX   XXXX  to tell me that a complaint had been filed in their legal office and that I needed to take action or they would have to escalate matters.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2017 about Bank account or service (Checking account) with CITIBANK, N.A. (NJ).
Issue: Making/receiving payments, sending money

Complaint: Accepted Citibank promotion. Deposited {$15000.00} and was to receive {$400.00} bonus on XXXX XXXX, 2016. After several calls, no action, and the bonus amount is still missing from my account. 
Same issue as Complaint ID XXXX This is unconscionable and outrageous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2016 about Credit card () with SYNCHRONY FINANCIAL (NC).
Issue: Customer service / Customer relations

Complaint: I received a credit alert from my monitoring company on XX/XX/2016. According to XXXX, Care Credit reported my account to the Credit Bureau after a purchase that put my card 200+ dollars over the limit. I was never notified by Care Credit that I was over the limit. I seldom use the card, and have never been late or defaulted on a payment. I do take advantage of the promotional period, however my account is always paid before the promotional period ends. As a result of Care Credit reporting the account to the bureau, my credit score may be negatively affected when I actually never defaulted not was late on a payment. Today, I made a XXXX dollars payment to bring the account under the limit, and once the remainder is paid using the promotional period, I will never use this card again. I was poorly treated and lied to by XXXX customer reps and a manager from a call center that appeared to be in XXXX. They were quick to report the over limit but refused to help me resolve the situation.

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 06/20/2017 about Mortgage (Conventional home mortgage) with AMERISAVE MORTGAGE CORPORATION (VA).
Issue: Trouble during payment process

Complaint: XXXX   XXXX  Good afternoon.   I refinanced with AmeriSave fall of  XXXX   (   XXXX  ) and received a letter from them saying  XXXX   XXXX  they are going to hold an additional {$50.00} per month in the  Escrow  account, from {$650.00} to {$700.00} for taxes/insurance starting  XXXX  - a 7 % increase.   However, I have my property tax bills for  XXXX   XXXX , Virginia From  XXXX  to  XXXX , the tax assessment increased 3.60 % and  XXXX  to  XXXX , tax assessment went up 1.86 %. The home insurance remained the same.     When I called the Amerisave, I was the line that escrow increased due to additional taxes.   They are not response when I say 7 % is excessive.   My name is  XXXX  and I can provide the verifying information as needed such as address and account # 's

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2018 about Payday loan, title loan, or personal loan (Installment loan) with Westcreek Financial (SC).
Issue: Charged fees or interest you didn't expect

Complaint: While I am not currently experience personal issues with my account with West Creek Financial, I am under the impression that their lending process is not entirely legal. On XX/XX/2018 I agreed to buy a mattress from what I was told was a wholesale retail vendor and opted in for them to finance my purchase of {$300.00} with a {$40.00} downpayment. They made the application process quick, I was told my total was {$300.00} with a {$40.00} down payment required, that the rest of the payments would be done in payments of {$25.00} every other week and I agreed to this. However when the signing process began the agent generated an electronic signature for me, turned the laptop screen towards me and quickly scrolled the pages down and tapped to apply my signature for me for every line. She made the comment that her husband does not even turn the laptop towards customers. There was never any mention of interest, that the item was rent to own, or that if it was not paid in 90 days that I would be charged 45 % more bringing the total payments to {$650.00}. It is in the documents they signed for me without allowing me to read, as they did print a copy to send with me. Also in the documents the " {$40.00} down payment '' is an initial payment that did not apply towards my balance. I know that this entire process violates the Truth in Lending Act, as the fees and full disclosures were NOT PROVIDED UNTIL AFTER THE TRANSACTION. Upon searching this company I have found several other people who has been scammed by this company as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Bank account or service (Savings account) with CITIBANK, N.A. (FL).
Issue: Account opening, closing, or management

Complaint: When I opened a Citibank checking account, the bank was pretty adamant I open a savings account as well, which I did. My understanding was they were to be linked. I recently noticed that although I usually keep over {$10000.00} balance, in the checking account, I am being charged a {$25.00} service charge for the savings account which is usually only several hundred dollars..I believe it was a bank error in not linking the accounts. I spoke with them today, and requested retroactive credit, but they would only credit the current month 's charges. While it is true that I probably received statements showing this, and did not notice, or question this charge, I do n't believe the charges were ever warranted, or explained to me when I opened the account, especially since I really did n't need a savings account, and was under the impression my accounts were linked. 
In fact the front of my statement shows " relationship total '', which would support my understanding of " linkage '', and it is not until further into the statement pages does the service charge appear.

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 02/15/2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: In our XXXX end-of-year escrow statement, SLS told us that we had a shortage in our impounded funds ( due to reassessed property tax ), and told us what our new payment would be. On XXXX XXXX, XXXX, SLS acknowledged receipt of a letter from us disputing the amount being demanded and offering an alternative payment plan. On XXXX XXXX, XXXX, SLS sent us a letter turning down our alternative plan and demanding the original amount. 
While this payment amount was in dispute, we made our XXXX XXXX payment on XXXX XXXX, XXXX. We paid {$2700.00}, which was not the new amount SLS told us to pay, but was more than enough to cover our principal and interest due for XXXX XXXX, as well as an increased amount for our escrow account. 
However, SLS did not apply the funds we sent to our account. Instead of paying first the interest, then the principal and then putting whatever was left into the escrow account -- which SLS holds as a service to us -- the entire amount was put into " unidentified funds unapplied. '' This, in turn, made it look as if we had not made our XXXX payment -- although again I emphasize that there was more than enough to cover our principal and interest -- and we were charged a late fee, which I paid. 
I have been a homeowner since XXXX XXXX, and I have never once had a late payment. My husband owned a home for four years and never once had a late payment. NEVER. 
And we did n't make this payment late, either. The issue is the order in which the funds were applied. 
When our loan was first transferred to SLS, in XXXX XXXX, both our old mortgage company and our new company paid our homeowners insurance. XXXX sent me a refund check for the second payment, and I sent it to SLS to be reapplied to our escrow account. It took three months and numerous phone calls to get that simple thing done correctly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (AL).
Issue: Loan servicing, payments, escrow account

Complaint: Earlier this year, I refinanced my mortgage with Freedom Mortgage. 
In XXXX, my mortgage was transferred to XXXX Mortgage. 
My XXXX mortgage payment was sent to Freedom Mortgage, For the past FOUR months I have been trying to get Freedom Mortgage to send that payment to XXXX. I continue to be bombarded with calls and letters telling me of my delinquency. I have called over 40 times XXXX, I keep getting told I will get called back. No one calls me back. The only numbers I have are toll free numbers. People I have talked to about this problem include : XXXX XXXX, " XXXX '', " XXXX '', I asked to speak to a supervisor, XXXX XXXX XXXX, left countless messages-he never got back to me. I am worried about my credit rating, I am beyond frustrated. I need your help! Please!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Money transfer, virtual currency, or money service (International money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (MS).
Issue: Fraud or scam

Complaint: On XXXX XXXX began emailing person about her moving in with me XXXX and originally gave me a SD address. We emailed daily and I trusted this person due to the emails we exchanged. She told me she was a yoga instructor and had been accepted to go to a yoga seminar in XXXX XXXX, XXXX. I looked this up online and there was a XXXX XXXX XXXX there until XXXX XXXX. We emailed daily while she was in XXXX and said she did not get international calling on her new phone. She was to send me a check to cover the 1st months rent and enough to pay movers since she was flying into XXXX when the seminar was over. I received the check and deposited it in my savings at BOA on the XXXX of XXXX.at the bank with a teller. I told her I wanted to make sure it was a good check. It showed pending until XXXX of XXXX.then turned to a credit. She emailed around XXXX and asked me to take {$600.00} rent out ad send her the rest XXXX to XXXX since she would have to get new movers and pay them herself. I transferred {$2300.00} from my savings to checking and went to XXXX to send the money to XXXX. My debit card accepted the transaction and the money was sent. Later that evening I was emailed by my bank I had a negative in my savings due to the check being fraudulant. BOA told me there was nothing they could do and it left my account in a negative as well as taking {$740.00} I already had in my savings.

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 09-01-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Other

Complaint: Apparently Capital One has amended the Fair Credit Reporting Act. You really need to publish this particular bold infraction. I disputed a Capital One tradeline on my credit file. I received the attached letter from Capital One saying that they would not process my dispute unless I sent them a list of items in the letter. 
Now the FCRA only requires that I send my drivers license and a utility bill along with information from my credit file and the nature of my dispute. They also are mandated by federal law to record the current status of the item or delete it from my file. I sent this dispute on XXXX XXXX. I know the bureaus send the dispute to Cap One through E-Oscar and give them 10 days to respond. But it is now XXXX XXXX and Cap One says that they wo n't even process this dispute unless I MAIL them the items in their letter. How is this possible? There is no way that the bureaus can comply with the 30 day maximum time frame for processing ... so the item will remain on my file because Capital One is breaking federal law and usurping the bureaus administration of my dispute. This has all the ear marks of a huge class action lawsuit. Consumers having their disputes pressed beyond the 30 day time frame because Capital One refuses to comply with section XXXX of the FCRA and the bureaus being wilfully negligent of section XXXX simply because Capital One does not want to respond in their ten day time frame. 
I was told that XXXX XXXX once went to Capital One to discuss consumer disputes and their handling BY Capital One ... and that the XXXX XXXX representative said : " We want to make our database look just like your data base '' ... .but I never thought that the bureaus would get out of compliance with federal law BECAUSE of Capital One. 

This could be a landmark case for the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There was a computer glitch that was TransUnion 's problem, not mines, that caused all of my inquiries to be deleted. I then noticed that TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them to my report. I have contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. I called on XXXX XXXX, 2017 at XXXX and on XXXX XXXX, 2017 at XXXX in dire need of assistance of getting this corrected. Both representatives were rude and abrasive and the second call on X/X/17 I asked to be transferred but was disconnected on after being on hold for a very long time.These inquiries add a hardship and that your rights were violated by TransUnion. I truly seek and ask the help of CFPB to help me in an effort to make TransUnion stop victimizing me.I do request a full resolution that all of my TransUnion inquiries be deleted permanently from my report as a violation took place when they were illegally added.

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 01-07-2017 about Payday loan () with Rosebud Economic Development Corporation (MN).
Issue: Charged fees or interest I didn't expect

Complaint: I actually knew the amount of the interest, but according to the Attorney General in Minnesota. The Lender 's I borrowed from are not licensed to do business in Minnesota. They are also not allowed to charge more than 33 percent annual interest plus a {$25.00} fee. I am currently paying for one at XXXX. 648.96 percent, and XXXX, a XXXX 414.77 percent. According to the Attorney General many lenders who do business over the internet or across state lines have claimed that they are not subject to state laws because they are tribally-owned companies. I also had a loan with Zoca in the South Dakota which had a high rate, but fortunately I was connected to a non-profit organization to pay them off with no annual interest fee. It was suggested by the Attorney General I contact the Federal Trade Commission who 's website directed me to contact you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
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 cant qualify for a mortgage because Equifax refuses to delete inaccurate child support information from my credit report. My credit report shows that my account has been late and/or collections 9 times ( 9 months ). I have mailed in a copy of my child support orders for them to see how much I was ordered  to pay. I also included all my pay check stubs to show that I have paid on time since child support started in 2013. I submitted all my check stubs with the year-to-date information highlighted so they could see that I had never paid late nor that I was in collections, along with a print out of the Child Support Payment History, to show that the payments had been received by XXXX XXXX XXXX. I also sent in an administrative hearing court order and an official letter from the XXXX XXXX XXXX XXXX, stating that they had reported the account erroneously and that this account has never been past due and was never in collections and that they reported the account in error. I have been trying for over 12+ months to get Equifax to correct ( delete this account ) my report and they are refusing to do it, and they are continuing to report the erroneous/negative/delinquent information. I have sent all correspondences via certified mail to Equifax while disputing this account. I have tried numerous times to resolve this matter with Equifax and XXXX XXXX XXXX, to no avail. Dates Complained : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2015 about Payday loan () with PAYPAL HOLDINGS INC. (NV).
Issue: Received a loan I didn't apply for

Complaint: PayPal signed me up for PayPal Credit. When I complained, Phone rep claimed I " opted in '' via their website. This is probably factually accurate but I sure do n't remember asking for or approving a line of credit when I opened my PayPal account. Account was closed without dispute, but the practice is questionable at best. Their disclosures simply are n't adequate.

Company response to consumer: Closed with explanation