milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-09-2017 about Credit card () with BARCLAYS BANK DELAWARE (LA).
Issue: Payoff process

Complaint: The complain is for an non-authorized credit card payment on XXXX of {$1700.00}. 

At the end of XX/XX/XXXX I called XXXX to see how much money I needed to pay, in order to pay off an old purchase I had with them under special financing ( 1 year without interest ). On my conversation with their agent I was told I had to pay {$550.00} in order to avoid paying interest for my purchase. The agent himself suggested to make this payment online ( web system ) as it is usually faster ; then he asked me based on their standard procedure if I wanted to make that payment of {$550.00} over the phone that I clearly rejected. 

I proceeded to an online payment of {$550.00} ; few days later I noticed that XXXX not only charged me the {$550.00} as expected, but on top of that they had another transaction of {$1700.00} ( not authorized ). The irrational of the story is that I paid in total more than my overall balance, leaving with me with an extra {$500.00} credit! 

I called them and reported the non-authorized transaction ; they were able to see that I did the {$550.00} online and said that the {$1700.00} were authorized over the phone. They also saw the irrationality on the payments ( paying more than I owe ), but they said they need 5-10 business days to return my funds. 

Then I called my bank ( XXXX ) trying to straight this out, as I did n't had these money and i was left with a negative balance ; my bank said that they payment will be rejected as I did n't have enough money on the account ; this happend and I was able to see the transaction cancelled. Few days later though XXXX charged me again the {$1700.00} which are now taken off my bank account. In continue to my conversations with XXXX, they said they will need again 5-10 business days to resolve this and there was nothing they could do to speed up the process, even if they realize that I did not authorized the payment! When I asked them to listen to my conversation over the phone that is supposed to have the authorization, they claimed that I need a court order for that. 

The outcome of the whole story is that they can charge people uncontrolled, and even if they admit to be wrong, they will still refund in irrational time-frames ( half a month ). I think this is unethical and suspicious ; I strongly believe that it is illegal to take someone 's money without an authorization and on top of that use those money up to 15 days without offering at least a compensation for their own mistakes.

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 09/28/2016 about Mortgage (Other mortgage) with Caliber Home Loans, Inc. (AL).
Issue: Loan servicing, payments, escrow account

Complaint: I sent request for information, about payment, to Caliber Home Loan, and their lawyer XXXX and XXXX. I did not receive an acknowledgment of receipt as required by RESPA, furthermore they failed to respond within the required 30 days. I am attaching in .pdf format, A ) original request, B ) notice of 5 day RESPA violation, asking for explanation, C ) notice of 30 day failure to respond, in which, I ask for information requested be sent, without delay. 

I know for a fact Caliber received notice 's because they uploaded the original request in documentation as part of a response in complaint # XXXX to the CFPB, on XXXX/XXXX/16. 

Caliber Home Loans, continued arrogance, and blatant violation of rules, set forth by agencies of the US government are disturbing, troublesome, they should IMMEDIATELY, brought to the attention of regulators, and appropriate action should be taken, at once. 
.pdf # XXXX # XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (OK).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: Synchrony bank - we purchased a couch and were offered 0 interest for 12 months on financing. After signing up for this, one month later we found out it was a credit card. We made payments and after 12 months we owed {$300.00}. Next thing we know we were backcharged interest and only realized it 90 days after the charge, so we were charged an additional {$700.00}. We were never told this was deferred financing and we thought it was normal financing, and that we would be charged interest on the balance owed and not tr full purchase. I contacted the bank several times and they would not assist in refunding this back interest. I paid the whole amount off after dealing with them for 3 days and getting nowhere. The issue here is they allow untrained people to talk you into these cards and you are never told that you will be back charges interest. In my case I would have just paid the rest of the amount off and avoided the extra {$700.00} charge had I been aware of this.

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 04-03-2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: A collects account from XXXX was deleted last year XX/XX/2016 and has been reinserted and lowered my credit score XXXX points. I did not receive any documentation stating it would be reinserted and why.

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 05-04-2016 about Debt collection (I do not know) with DCI Credit Services, Inc. (HI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked DCI Credit Services to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to 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 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: There are 5 hard inquiries on my experian credit report that were to be removed. I tried to submit the dispute online but experian would not let me on to dispute the information. The first inquiry that was supposed to be deleted on XX/XX/XXXX! is XXXX XXXX the inquiry was made on XX/XX/XXXX removal date was to be XX/XX/XXXX. Next inquiry is XXXX XXXX XXXX XXXX XXXX Arizona that inquiry was made on XX/XX/XXXX removal date was XX/XX/XXXX. Next inquiry is XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx that inquiry was made on XX/XX/XXXX removal date was to be XX/XX/XXXX. Next inquiry is XXXX  XXXX XXXX XXXX XXXX XXXX Nebraska that was made on XX/XX/XXXX removal date was to be XX/XX/XXXX. Next inquiry is XXXX XXXX XXXX XXXX XXXX ny that inquiry was XX/XX/XXXX removal date was to be XX/XX/XXXX all of these inquiries are still reporting and have not been deleted

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There 's terrible mistake in my report, why have many unauthorized inquiries 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 explanation
Consumer complaint received 02-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (NY).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I have already paid this debt. The MCM account number is XXXX. The original creditor is XXXX and the original account number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (CO).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On XX/XX/XXXX I purchased a subscription for the product " XXXX '' via XXXX, XXXX ( Vendor ). When making this initial purchase, I used an employer email address to which I no longer have access. 

On XX/XX/XXXX, XXXX, XXXX charged my credit card for another year of service. As I no longer worked at my employer, I was unable to consent or redact my consent for this charge from XXXX XXXX. 

On XX/XX/XXXX Upon noticing the charge, I contacted XXXX XXXX via phone ; at ( XXXX ) XXXX who advised that though they could not find my account via email address, they could find it via the last four digits of the billed credit card. ( XXXX ). They advised at that time they would issue a refund. 

On XX/XX/XXXX no refund was assigned to the account and as such I began a dispute resolution process with my credit card provider, Discover Bank. The dispute was resolved in my favor on XX/XX/XXXX and a credit issued to my card. 

On XX/XX/XXXX Discover Bank reversed their decision, and abruptly charged my credit card for the initial amount without notice, and without any indication as to why Discover Bank changed its resolution decision even though Discover Bank previously rightly determined this charge clearly falls within their Dispute Resolution guidelines. Worse, the re-posted charge to my account had its post-date retroactively applied making the transaction difficult to track as clearly occuring on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have filed a dispute with both XXXX and Equifax who indicated would also be submitted to XXXX against XXXX for a false parent plus loan place in my name by XXXX University, which the credit bureau 's agreed with me and removed it from my credit report. Since this time this debt has been placed back on my credit report and in conversation with XXXX of XXXX XXXX today he indicated the creditor can put it on my credit report whenever they would like, which is false! XXXX took over a false parent plus loan from XXXX, which XXXX University applied for in my name after I was denied without my permission and/or authority. In speaking with XX/XX/XXXX from the Department of Education she got her supervisor on the phone who explained that after my denial of a parent plus loan, XXXX University applied for a parent plus loan in my name without my permission and/or authority and that loan was approved. I have made several attempts to dispute this loan and provided my proof of documentation of my denial, which XXXX and Dept. of Ed. continues to place blame on one another and pass the buck on whose responsibility it is to correct this problem and they continue to place it on my credit report, which is driving down my scores and costing in buying a home. No is trying to fix this, they continue to pass the buck on it and fail to correct the issue. This is ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Debt collection (Auto) with SANTANDER CONSUMER USA HOLDINGS INC. (MI).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I never received as the summon declares the demand made for payment XXXX days prior to this summon. This is not the truth. I do n't know who XXXX never heard of them. I had an auto account with Santander Consumer USA. They claim I owe XXXX. I do n't owe this, amount this is not accurate. They are sending me to court and never contacted me before this time. Santander sold them this account. I do n't want to communicate with XXXX or their representation lawyers either. I want Santander to communicate with me about any debts that they feel I owe them. I sent a letter to XXXX and their lawyers to validate this debt they claim I owe. I do n't owe them anything. I never signed a contract with XXXX or their lawyers.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2015 about Debt collection (Payday loan) with Alliant Capital Management LLC (TN).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I specifically asked Alliant Capital management not to call my ex wife concerning my debt they did it anyway disclosing all my information to her.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Payday loan () with Midwest Recovery Systems (VA).
Issue: Received a loan I didn't apply for

Complaint: On XXXX/XXXX/XXXX, I received an alert that I have a new collection activity on my credit file. I found that it was this company ( Midwest Recovery Systems ) that supposedly purchased this account from another debt collector. I contacted them and XXXX, the recovery specialist informed me that it came from a payday loan that was taken out in XXXX and that he did not have the original paperwork that I asked for. I told him that I wanted to dispute this, and he told me that it would stay on my file until it was paid in full. He did say that he could make payment arrangements in order to settle the debt, but the mark on my credit will stay for seven years. I am a XXXX veteran XXXX, and I do not have the type of money he is seeking for a debt that I have no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2015 about Mortgage (Conventional fixed mortgage) with FLAGSTAR BANK, FSB (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Flagstar Bank is charging me for late fees that I have not incurred. I have called the bank multiple times but they have not resolved the issue and now they are threatening me with reporting me to the Credit Bureaus. My credit score in the XXXX 's because I have never defaulted on any loan. 
I have paid my Flagstar Mortgage payment on time before the XXXX of each month since XX/XX/XXXX without falf every single month in advance to this date. 
The problem seems to be that on XX/XX/XXXX they charged my account {$6200.00} for " insurance '' this was an incorrect charge since I had secured XXXX XXXX XXXX on my own as stipulated. It took many long phone calls before they wrote off the bogus charge. Then for no reason at all they sent me a check for {$1300.00} XXXX new this was either an error or a scam and I did not cash the check. I spoke on the phone with XXXX of their agents who identified himself as XXXX and I asked him to place a stop payment on the check. As a result of this book keeping changes they decided that my payment checks were 1 month late instead of being a payment in advance as they are and now they are charging me late payment fees that I do not owe. My mortgage payments to Flagstar Bank have always been made automatically form my XXXX XXXX Bank account and always on time and I have the records to prove it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-08-2015 about Debt collection (I do not know) with SELECT PORTFOLIO SERVICING, INC. (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: We received a letter from Select Portfolio Servicing , Inc. dated XXXX XXXX, 2015 which is an invitation to a Free Homeownership Preservation Event at XXXX in XXXX, NY. We will not be attending the event. We are not a customer of Select Portfolio Servicing and deny any contractual or other relationship with your organization. 

As SPS knows or should know, we have written previously informing SPS that there is no delinquency. We have disputed the debt -- as well as the authority of SPS to act in any capacity in regard to the alleged account number they reference. 

We have disputed this debt ; therefore, until affirmatively validated, SPS knows or should know their information concerning this alleged debt is inaccurate. Thus, since they have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, they must immediately inform them of our dispute with this debt. We have received a copy of such report from Experian where SPS still lists the debt as a mortgage debt. Reporting information that SPS knows to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act1681s-2. 
SPS continues to persist in pursuing collection efforts without validating this debt, we are herewith informing SPS of another complaint that will be filed with the Consumer Financial Protection Bureau based on their failure to comply with the FDCPA, Section 809. 

SPS has admitted that it is not the servicer of this account or any account in connection with us ; that it is only attempting to collect an alleged debt based on " servicing rights '' ; that SPS has made contractual arrangements with other parties for their own profit ; that SPS has harassed us and continues to harass us ; that SPS has not proved and is unable to prove that we owe any debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: In XX/XX/2016 Transunion had removed all my XXXX, they remained off for a few weeks, I called transunion as i was disputing inquiries that was my sons anyway, they told me they removed them, later to find out that they appeared back on and added more I called Immediately and told, there is nothing they will do and hung up on me, quote on quote and include that their customer service would not help and take care of the negative inquiries reporting to your credit report. i have exhausted all my fights with this rude company, please can you help me, .. I have a list of what I know they removed and added back, and changed dates Advantage Am Rent BrclysBankDE CBCINNOVIS CBNA CELTIC/CONT CREDCO CREDIT INVES CREDIT PLUS CREDIT PLUS ( AAGAIN MORE THAN ONCE WITH ADDED DATES ) SYNCB/AMAZON SYNCB/WALMRT Their actions should n't have my credit suffer i never received a letter or response of them adding this back on please would n't you help me with this event im a victim of Transunions inquiries issues now they double jammed me

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 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OR).
Issue: Problem with fraud alerts or security freezes

Complaint: Ive just spent the last 24 hours trying to freeze my credit bureau reports on line and on the telephone, and all I get are site overwhelmed messages, or put on hold and hung up.
Understanding that I am not a customer of these bureaus, and that they dont give a XXXX XXXX about my concerns, and its not as though theyll lose my business since they never did any business with me in the first place, and they collect all my financial data without my permission and then sell it to other people, and they also make my life XXXX  if I have the gall to find an error in my credit record and ask them to fix it, understanding all that, they each want me to send them money to freeze my account. XXXX?
The personal data of 143 million consumers had been compromised, and now they want money from every one of them to freeze their accounts? This hack has been a rain maker for Experian andXXXX.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX is showing on my credit file 6 times with the same account info, I disputed it as duplicate but for some reason it came back as verified.

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 09/23/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CO).
Issue: Trouble during payment process

Complaint: We paid our home loan off with NationStar mortgage XXXX which turned into XXXX XXXX Mortgage on XXXX XXXX. We paid off our home loan in XXXX XXXX and have yet to see a title or a statement that we are paid off. I FEAR XXXX XXXX XXXX IS TRYING TO STEAL SOMETHING FROM US OR THE XXXX XXXX COUNTRY COLORADO COURT HOUSE IS UP TO NO GOOD. 

XXXX XXXX XXXX XXXX XXXX XXXX Loan Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (TX).
Issue: Money was not available when promised

Complaint: Greetings, I sold an amount of Litecoin on XXXX XXXX at XXXX on the XXXX / XXXX XXXX. I then immediately initiated a wire transfer back to my XXXX XXXX bank account in the amount of {$10000.00}. 

The date today is XXXX XXXX. I still have not received my funds! 

I opened a case with Coinbase on XXXX XXXX, I 've direct messaged Coinbase support on Twitter, and I 've called their support line, but have received no response at all. 

The transfer shows as complete in my account history, however XXXX XXXX has no record of an incoming transfer to my account. [ and my account info for the transfer is correct ] Its been 9 business days, its starting to look like Coinbase stole my funds.

Company response to consumer: Closed with explanation