milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-04-2016 about Bank account or service (Other bank product/service) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Account opening, closing, or management

Complaint: I would like to make a complaint for a security investment that I had with HSBC bank. I had this investment for a while and when I went to check on it in XXXX XXXX they advised that I did not have this particular investment. HSBC invested my monies with XXXX which was later transferred to XXXX XXXX, XXXX ( address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ) which then was deposited in my HSBC account after maturity. I went to HSBC several times and they advised that they were unable to locate over {$100000.00} worth of my investment. The last time I followed up with this was in XXXX and the financial advisor showed me my investment on their system however when I went to check on it on XXXX XXXX to withdraw the monies the financial advisor told me that I did not have an investment. I have been investing with HSBC for 32 years and have multiple accounts with them however this was my biggest investment that I had for retirement. My financial advisor XXXX XXXX has not been able to locate the investments I had done in my early banking years with HSBC. The branches that I did these investments with are XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX. I think fraud has been done to my account because these investments I had have vanished and I am getting no help from the financial advisors nor an explanation from other bank representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ACS Education Services (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Due to unemployment, my account was placed into a 12 month forbearance. The forbearance period expired in  XXXX  and payment was due on the account in  XXXX   2017 . Payment was made on  XXXX   XXXX ,    2017  for  XXXX  's payment due. Student loan co mpany, ACS, processed the payment and applied it to my account. A few weeks later I was noticed via  XXXX  credit monitoring that my account with ACS had been reported as being 30 days delinquent. Payment was never made late and in light of this I filed a dispute with the credit union. ACS did not correct the issue. Furthermore, I have attempted to call ACS on several occasions and have been placed on hold for hours on end. I would like for this payment information to be corrected and for the 30 day pass due status to be removed from my credit reports. This has adversely affected my ability to qualify for a mortgage and I would hate for this dereliction to affect me further. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Credit reporting () with EQUIFAX, INC. (DC).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I did n't authorize XXXX to check my credit history but they did. I do n't know how they did since I even did n't provide my SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Problems caused by my funds being low

Complaint: Chase bank re ordered the processing of debit card and checking account transactions not by original date, but by the date they found would generate them the most revenue from overdraft and NSF fees. 

Rather than processing smaller transactions first, and in the order they occurred, they processed a larger transaction first and smaller ones several days after their original transaction date to charge more than XXXX NSF fees to my checking account. As I am aware, this violates several recent laws that have been implemented over the past several years to limit banks ' abuse of overdraft protection and charging of NSF fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-06-2016 about Debt collection (Payday loan) with Alliant Capital Management LLC (LA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: They called my work repeatedly after I asked them to stop. Called my personal phone at all hours of the night leaving rude messages threatening to take legal action. I called them back, very rude customer service. They told me they would settle for a ridiculous amount of money that I do not even owe. We finally agreed upon a settlement of {$800.00} when I spoke to them XX/XX/XXXX, when I spoke to them again after XXXX they changed the amount once again. They went from {$1400.00} to {$1000.00}. They have agreed to let me pay {$1000.00} only if I make two large payments of {$500.00} in XX/XX/XXXX and XX/XX/XXXX. I told them I do n't have the money they said to borrow it from someone.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Debt collection (Other debt) with ONEMAIN FINANCIAL HOLDINGS, LLC. (PA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: My problem is with the company One Main Financial of XXXX, PA. I had fallen behind on payments this past XXXX, around XXXX or XX/XX/XXXX due to a temporary set back from illness. Someone named XXXX called & left messages on my cell, which I am fine with. However, he then, left a very detailed message on my work phone. This is a number & voicemail that my boss & co-workers have access to. The following day, he called again on my work number. I answered & told him that it was my work number and to not call it again. In the months that followed, I got caught up on my payments. 

However, a few weeks ago, I had a complication during a medical procedure & had to stay in the hospital for a few days. So I'm late again with my payment, which I full intend to get caught up on as my situation is temporary. Immediately, I began receiving the calls including, two more phone calls on my office phone, the number that they were told to NOT call, the most recent being today, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
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: On XX/XX/XXXX I viewed my Equifax credit report. In the inquiries section I noted duplicate inquiries for XXXX  XXXX on XX/XX/XXXX and also for XXXX XXXX on XX/XX/XXXX. I disputed these inquiries online with Equifax, but my results stated these inquiries are factual information. Perhaps it was misunderstood that I was not stating that I did not authorize these companies to pull my credit for that date, but rather I am stating that there should not have been duplicate pulls for the same date for these companies. I did not authorize any duplicates. There should only be one XXXX XXXX inquiry for XX/XX/XXXX and one from XXXX for XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Credit card () with BARCLAYS BANK DELAWARE (HI).
Issue: Credit determination

Complaint: I had a XXXX Bank of Hawaii XXXX, which I paid ontime, and for the past 3 months, I have paid the entire balance off mothly. On XXXX XXXX, XXXX, my credit card was closed for no reason or valid cause, and I was no longer allowed to make purchases with my credit card. I could no longer make purchases with credit card, so I called the bank on XXXX XXXX, XXXX, to discuss my account. When I was able to be connected to a customer service agent, I was told that my account was closed and my credit card was closed. I asked for what reason, and I was told that my payment was returned, and than it was resubmitted and now payment was received and paid. But a review was conducted and it shows I had previous account history with them, and now they want to close my account. In XXXX XXXX, I was approved and use my credit card properly and always paid ontime and several times paid remaining balance off monthly. I have handleded my credit card in good standing, and showed no reason to close my credit card account without proper notification or investigation. This is unfair credit practice, and I would like my credit card reinstated and in good standing. Currently, my credit report has been affected by this negative action by XXXX Bank of Hwaii XXXX, I would like this matter be resolved.

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 03/28/2017 about Debt collection (I do not know) with SYNCHRONY FINANCIAL (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Synchrony Bank has been reporting falsely to the credit reporting agencies since XX/XX/2015. I paid off my debt to Synchrony Bank through a debt consolidation program called XXXX. Synchrony received the payments from XXXX and the last time I wrote the credit reporting agency to address Synchrony 's false reports. Synchrony sent me letter back with the contact info and copies of the last 3-4 payments confirming they received them ( attached documents ). Synchrony reports my high balance as {$3500.00} It shows they confirmed the final payment {$710.00}. The original balance I was supposed to pay through the debt consolidation program was {$2700.00} I ended up paying {$4200.00}. I have tried calling Synchrony Bank 16x on several different numbers they had given me and transferred me to only to to get sent to an automatic disconnected dial tone everytime. This is the only other option I have left to resolve the discrepancy. 

They falsely reported on my credit reports that it is unpaid and they are falsely reporting a balance on my account. They actually made way more money than I even owed.

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 04/18/2016 about Credit card () with CITIBANK, N.A. (CT).
Issue: Billing disputes

Complaint: XXXX XXXX, XXXX Consumer Financial Protection Bureau ( CFPB ) Dear Sir or Madam : Please see attached for the full details along with previous case/complaint number XXXX. 
As indicated in the initial dispute filed against XXXX in XXXX XXXX and in the subsequent letter in XXXX XXXX, this XXXX/XXXX account was requested to be closed in XXXX XXXX and a final bill was never issued although repeated attempts to obtain final bill were made. XXXX has been contacted via the telephone and in writing numerous times. XXXX/XXXX continues to be uncooperative. 
XXXX/XXXX admitted to sending personal, private, financial information to the wrong address and some unknown email address for over nine months. They also admit to allowing someone to gain access to this private account information online for over nine months. XXXX refused to provide the incorrect address or the incorrect email address without a court order ; however, their collection agency, XXXX, XXXX, and XXXX, XXXX provided the incorrect address. This incorrect address is now appearing on the customer 's credit report with all XXXX credit bureau agencies. While the incorrect email address is still unknown, the incorrect address is : XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX refuses to issues invoices to the correct address and refuses to accept responsibility for their actions. They reported incorrect information to XXXX different credit reporting agencies which is still in the process of being resolved well over a year later. They have caused a lot of unnecessary delays and issues. They continue to harass us with various collection agencies, including the latest agency, XXXX XXXX XXXX. 
First, this account should not be in a collection status. Any and all issues are XXXX 's fault not ours. Secondly, we have called XXXX - many different departments within their organization - to no avail. We 're not calling them anymore. At this point, everything needs to be in writing.

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 01/13/2017 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Equifax Information Services LLC, a credit reporting company, has not provided any proof or documentation that they conducted a real investigation on the items that I disputed with them on several occasions. Equifax has claimed that they have verified fraudulent with creditors that they have never contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Kimball, Tirey & St. John LLP (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Manager was told by me that a minor who lived in the complex said " XXXX '', then after manager XXXX told, '' I will give them a warning '', still wrote me up and knew I did n't do it. She gives a tennant wrote up info, goes XXXX and lyes to the sheriff, then she goes in my apartment and tresspasses without consent. We leave because of what she did, disposed all my items without consent, then tracks me down illegally and sends false money amounts to my aunt 's. I did not do what she said.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There are XXXX XXXX Accounts on my credit report, please note the acct numbers - This is Account 1. 


Account Number XXXX 1. This account is Closed and has a CLOSED DATE 2. This account should say " CLOSED '', and not Current in its PAY STATUS 3. This account is missing Pay History 4. This account is missing Balance History 5. Please validate this account, and the PAY/Balance history from its inception - and CLOSE the account

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 01-05-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (KY).
Issue: Money was not available when promised

Complaint: On XX/XX/XXXX I sent a {$70000.00} wire to Coinbase including only the exact information they required ( without any extraneous info ) to credit my account on Coinbase. 

As of XX/XX/XXXX ( today ), SIXTEEN days later, my wire transfer to Coinbase is STILL not there. Although Coinbase claimed next day availability ( on their website ) for wire transfers as of XX/XX/XXXX. 

I filed an online complaint through XX/XX/XXXX/Coinbase after about a week, as well as ~ 2 weeks later .... and then called and even had that escalated to an upper tier, and the response I received was to stop calling because it delays the process ( see attached documentation. 

How much longer could this possibly take, the one day turnaround has been more than 2 weeks? I have missed out on huge possibilities because of their promises. 

I needed the money I sent to Coinbase so I could buy Bitcoin instantly at {$12000.00} and now it has reached over {$16000.00} ( who knows where I will even be able to buy it back in at this point ) .... 

I believe Coinbase has done this deliberately something fishy is going on here.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: My bank, USAA does not participate in the XXXX XXXX program.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: A collection/debt appeared on my Experian Credit report, it was removed for reasons of No Contract, Not verified and at that time  XXXX   XXXX  did not have proper credentials/license to collect in the state of TX. Now, today  XXXX / XXXX /   2017  the exact same account was allowed to be placed back on my Experian report. After speaking with  XXXX   XXXX  and hi s manager   XXXX , I was basically told that they would not remove the account even though it had been removed by Experian after the last investigation proved the account was inaccurate/incorrect and remov ed by Experian. I filed a previous complaint with CFPB for this particular 3rd party collector, it was removed afte r the investigation

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 03-12-2018 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (AZ).
Issue: Trouble during payment process

Complaint: On XX/XX/XXXX, I was received a letter from Freedom Mortgage stating that I was past due on my mortgage. I thought this to be some kind of mistake since I have the payments set up on auto-pay through my bank in. When I spoke to the representative, XXXX # XXXX, he explained that our mortgage payment had increased and as a result, the amount that I had auto-payed through my bank was short by {$50.00}. XXXX told me that since the payment was not in the full amount that the payment was put aside in an unassigned account until the full payment was made. He explained that the account went 30 days with out the payment ( even though they had my money ) and was then reported to the credit agencies. 

On XX/XX/XXXX, I wrote an email to Freedom Mortgage to request a reversal of the credit report made when they failed to apply our loan payment to our mortgage. 

At no time was I aware that the full payment had not been made. Freedom Mortgage never attempted to call and explain that I was short ( {$50.00} short on a nearly {$3000.00} payment ) on the payment. And instead of applying my payment to my account, they held the money in an unidentified account, not associated with my mortgage. 

I checked my bank statement and saw that the payment was made on time ( XXXX. 
XXXX ) and XXXX confirmed that they received the payment but since it was not in the full amount that the money never was applied to my loan. I can provide the statements to verify this if needed. 

I immediately paid the balance, including the late fee and additional {$50.00} for XXXX XXXX  payment ( {$190.00} ), and explained that the XXXX auto-payment was already pending as per our bank. 

We have never been late on a payment and we had no intention of being late on this payment. I have the bank statements that show the funds had been paid on time, less the {$50.00} increase and the representative confirmed that the payment was made on time, only short the escrow increase.We have been late or missed a payment with this company in five years! 

I emailed the company, as directed by XXXX # XXXX, and requested a reversal of the credit report but have not had a response. I called back on two separate occasions ( XXXX, spoke to XXXX # XXXX and XXXX, spoke to XXXX # XXXX ) and was told that there was no one to talk to about the credit report dispute and that I would never have anyone to speak directly to about this problem. I could only wait for the customer care center to respond to my email request. 

I was told by the representative, XXXX, to contact the CFPB for help with Freedom Mortgage 's credit reporting practices and failures to apply mortgage payments to the loans.

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 06-08-2017 about Checking or savings account (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (NJ).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I deposited a check on Thursday morning,  XXXX  XX/XX/XXXX . As of today, XX/XX/XXXX   th e funds are still not available. I understand a reasonable hold time  2-3 days, but a week? The check was drawn on a US Brokerage  house and was less than {$1000.00}. The account had never been overdrawn and had been in existence since XX/XX/XXXX  Other banks I deal with would have cleared the check in  two days .

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 02/15/2018 about Debt collection (Other debt) with Diversified Consultants, Inc. (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/2018 I disputed a negative collection being reported by Diversified Consultant on my credit files with XXXX, XXXX  and XXXX. All of the credit bureaus responded back saying the information they are reporting was verified but they sent me no prrof of the verification or validity. I have no knowledge of this collection nor have I ever had an XXXX XXXX XXXX account whom Diversified Consultants are collecting for. I have never receive any debt notices nor have I received any paper work with signatures validating the validity of this collection account. I would like the negative information to be removed from all my credit files

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I pulled and reviewed my credit report and found that several inquiries were added to my credit report with out my knowledge or consent. I have not purchased a vehicle or tried to obtain any type of credit in the last 3 years. Anything reporting during this time is incorrectly added to my credit report. There is also a bankruptcy added to my credit report falsely.

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 11-03-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Trouble during payment process

Complaint: Despite the fact that I have been fully insured and faxed all insurance proof ( flood & HOA ) on XXXX2017, the company " XXXX XXXX '' formerly known as " Nationstar Mortgage '' has purchased a {$1700.00} insurance on my behalf.
As a result of that, they have increased my Escrow Projection and incorrectly adjusted my monthly payments from {$2900.00} to {$3100.00}.XX/XX/XXXX payment has already been processed with the wrong amount. 

I have tried to contact them via website and telephone multiple times with no success.

Company response to consumer: Closed with explanation