milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/22/2016 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Account opening, closing, or management

Complaint: I recently moved back to XXXX to start a new job. I wanted to open a local bank account here as I bank with a credit union in another town. I opened a checking account with BBVA Compass and have had it for 3 weeks with no issues. Yesterday I went to eat and my debit card was declined. After I called the bank to see why, I found my account had been frozen. They first said for debt then it turns out they ca n't tell me why and said I need to go to a branch and prove who I am. I did that in the afternoon as I have my full payroll going to this bank on Friday so needed this resolved thinking they have a mix up. I also have worked in the large banks for my than 10 years of my career as a consultant in IT and security so I know if their controls are messed up they can make these mistakes easy. This morning I 'm still not able to access my account and after another 45 minutes on the phone they can give me no reasons why my account has disappeared and what I will expect tomorrow with my pay. They told me to go back to a branch and give them more info.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: CapitalOne Credit has sold an account to a collection agency for the second time using my name and address knowing full well that this is not my account. Their last collection company filed suit after they were notified that this was not my debt. Now I have a permanent mark on my public records. Afterwards they apologized and pulled the complaint. They then sent me the phone numbers of all the credit reporting agencies and told me to handle it myself.
This is the worst kind of predatory actions, trying to force a XXXX year old senior to pay a bill not owed just to stop the harassment when they have records, letters and recorded calls acknowledging this account is not mine and never has been. They also know that my health is bad and yet went forward to start a new attack.
Capital one has caused me to spend numerous days and hours writing and talking to their agents. They offered me a settlement if I signed a legal document that would have caused me to get a lawyer and cost me more than they offered.
I believe that they want to scare people at any cost to make them pay bills without any regard to whether or not it is their debt. They go after family members through their parents and make up false documents to prove their ( changed notary papers ) illegal activities and have enough Attorneys to get away with it.
They probably will apologize and then go right ahead and sell it to another collection agency in the future, and they know that the only way to stop this practice temporarily is to make people keep spending time and effort explain the same thing again.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2016 about Mortgage (Other mortgage) with SELECT PORTFOLIO SERVICING, INC. (PA).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage started at {$150000.00} with XXXX, I put down XXXX % and thought I had a decent mortgage. After XXXX went out of business, it was sold to an investor. The servicer became XXXX XXXX XXXX, I attempted a modification while being serviced by XXXX XXXX XXXX and my mortgage went to {$180000.00}, however my interest rate was 10 % with a balloon payment. My mortgage was transferred to Select Portfolio, where I was given a remodification, which brough my mortgage up to {$180000.00}. My new interest is 9 %, but after calculation, over 10 years, I have paid over {$200000.00}, my new mortgae after modification, has no pay down, I am patying interest to infinity with a baloon payment of {$180000.00} + that can come due at any time. I have tried to apply for another mortgage but because this is not FHA, I have had no success. I would like to stay in this home and have done everything I could to pay my mortgage, but this is a worst case of predatory lending, and I see no end in sight. No one can tell me what type of mortgage this is, and my questions go unanswered. I just want a regular mortgage with a moderate interest rate and a payoff date. Please help, Please

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Consumer Loan (Installment loan) with U.S. BANCORP (KS).
Issue: Taking out the loan or lease

Complaint: I was contacted via text message saying I was approved for a loan $ XXXX {$10000.00}. I was given a number to call to discuss the details of my loan. He asked me that standard questions a loan officer would. He then was telling me about some insurance that I would need to take out on my loan and that it was for my protection. If I could n't make a payment then this insurance would make it for me. He then asked if I had a XXXX near by and that I would have to money gram him the payment for the insurance but he insured me that I would get my money back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I assume my score dropped because of XXXX ( XXXX ) supposed recently opened accounts. The XXXX account was transferred to another company. It was simply a transfer, NOT a new account. In fact, that info is noted at the end of the account listing! 
Secondly, the XXXX account, listed as opened XX/XX/XXXX, was not initiated by me. I made an appointment for an estimate on a counter top purchase/installation which I declined due to cost. I have never used this account, did not request an account, and am asking XXXX to remove it and stipulate that it is " my request. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 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: Public record information inaccurate

Complaint: I sent a letter to Transunion on  XXXX   XXXX ,  2017 via C ertified Mail stating that there was a Public Record on my report for Bankruptcy that needed to be removed because it was inaccurate. They in turn, sent a letter back stating that it was verified, but did not state by whom it was verified. The letter that I sent included a letter from Alabama  Federal Court sta ting that they do not provide this type of information to Credit Bureaus. This record should not be on my credit report because it was not obtained from the court, and the letter is proof 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 explanation
Consumer complaint received 07-10-2017 about Debt collection (Federal student loan debt) with ECMC Group, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Recently received repayment information on this loan through CFPB and after reviewing such information, I noticed a few things that do n't sit right. Understandably, the company will charge a fee to collect and there will be interest to pay. However, ECMC has added there fees to my balance more than once. Looking at the paperwork shows that ECMC has tried to add collection fees 9 times ( XX/XX/XXXX {$5200.00}, XX/XX/XXXX {$5300.00}, XX/XX/XXXX {$4300.00}, XX/XX/XXXX {$4400.00}, XX/XX/XXXX {$3300.00}, XX/XX/XXXX {$3400.00} and XX/XX/XXXX {$2300.00}, XX/XX/XXXX {$2200.00} and XX/XX/XXXX {$1100.00} ) and removed them 8 times ( XX/XX/XXXX {$5200.00}, XX/XX/XXXX {$5300.00}, XX/XX/XXXX {$4300.00}, XX/XX/XXXX {$4400.00}, XX/XX/XXXX {$3300.00}, XX/XX/XXXX {$3400.00}, XX/XX/XXXX {$2200.00} and XX/XX/XXXX {$1900.00} ) while collecting additional collection fees monthly. If a collection fee is added in XX/XX/XXXX it 's removed in XX/XX/XXXX, if it 's added in XX/XX/XXXX it 's removed in XX/XX/XXXX except for the last collection/reduction fees which were in XX/XX/XXXX. ECMC is collecting additional interest on the added fees while they are posted but not making the corrections to said fees. So my balance should be around {$3000.00} ( minus the added interest from added collection fees ) plus the correct interest without the added fees to my balance and lets not forget ECMC additional collection cost of {$1000.00}. So I 'm guessing my balance should be anywhere around {$4000.00} ( includes collection cost ) plus interest which would include the most recent payment of about {$190.00} in XX/XX/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 10-04-2015 about Debt collection (Medical) with Credit Solutions, LLC (KY) (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was referred to this office by primary doctor with an appointment date of XXXX/XXXX/2014. My insurance information and ID was provided. I paid a {$35.00} copayment at time of visit. Was not advised of any other charge or amount due. A procedure was scheduled to be performed at an out-patient facility on XXXX/XXXX/2014. On the day of the procedure I was not advised or informed on any additional cost involved. My wife received a phone call several months later asking me to call the billing office. The message was given to me and I returned the call but was unable to speak to anyone and had to leave a message disputing the debt. The business claims billing statements were mailed but none were received by me. I had no knowledge of any outstanding amount allegedly due until I found a collection account on my credit profile. I had to reverse track the collection agency name and original creditor name through the credit report. I have contacted my insurance company and they investigating the charges and amounts that are claimed to be due. I, in good faith, contacted the billing office and was willing to pay the amount the office claims is outstanding and then be reimbursed by the insurance company for any over payments. 
My HIPPA privacy rights have been violated due to the release of my personal medical information to a third party to which I did not authorize. 


I have made several calls to XXXX office of which I have made not and clearly they are making false statements regarding the contents of these calls. I also sent a rescission of the authorization for payment to their office. I received no return mail so it is apparent they received the written rescission. 
Additionally, I believe XXXX office is acting as a collection agency and referencing FL Statutes as such without following the requirements of the FCRA. They have never stated they were a collection agency or they were attempting to collect a debt as such. Furthermore I never received communication of right to dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Continental Finance Company, LLC (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a Ch  XXXX  bankruptcy discharge on  XX/XX/15   .  Continental Finance c redit card was included in the discharge. They continue to misrepresent my old account on my credit report. Initially it stated closed and charged off. Now it says it 's open with 107 % credit usage. It impacts m y credit score monthly. I 've contacted them and spoken to a representative twice over the past two months. They co ntinue to tell me that the account shows as closed and noted my bankruptcy discharge. Monthly, my reports ( all  XXXX  bureaus  )  states differently. I 've also disputed through the credit bureaus and  XXXX  -Continental Finance sen ds them false bank account information.

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 EQUIFAX, INC. (MI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I am affected by the Equifax data breach. They were aware of the problem for more than 6 weeks before disclosing the issue, opening me up to the potential for identity theft and other financial  damages.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (MI).
Issue: Other transaction issues

Complaint: Using Paypal, I was in the process of transferring funds between myself and two other customers to purchase bulk inventory of computer parts XXXX XXXX 2016. I have the same Paypal account for over 2 years and have done the same process in the past. This time Paypal decides to " trap '' the funds into the the Paypal account. Currently Paypal is holding {$2400.00} that is not theirs, that no is looking for except me. Their internal reference number for this fiasco is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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: In XXXX XXXX Experian took longer than the 30 days allowed for the dispute of a debt in my credit file for XXXX XXXX XXXX. When I questioned Experian they stated they are allowed up to 45 days. Under FCRA they are only allowed 30 as well as the creditor response. Experian and XXXX XXXX XXXX reguse to provide me documentations validating this account belongs to me. Experian ststed they are not required to provide me valudation of any debt in my crefit file. The debt is result of fraud/ Idenity Theft. I 'm aware that Experian is being paid by XXXX XXXX XXXX to keep the debt in my credit file. Therefore, this is why Experian refuse to delete the fraudulent debt and do not have any documentations validating this debt. I have contacted the media about this case. I also was questioned by the media how CFPB has handled this case because this is my second time filing this complaint with the CFPB. Experian also refuse to delete unauthorized inquiries in my credit file even though the creditors notified Experian to delete the inquiries. I also mailed Experian letters from the creditors telling them to delete the inquiries.

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 07/25/2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (FL).
Issue: Account opening, closing, or management

Complaint: CHASE MTG ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear XXXX : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you CHASE MTG or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CHASE MTG or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Debt collection (Medical) with Halsted Financial Services, LLC. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This debt is from XX/XX/XXXX. It has been payed in full. 
The first I have heard of this was last year, ( XX/XX/XXXX ), in XX/XX/XXXX, when XXXX attempted to collect on this. 
The originator of the debt, ( a hospital just outside of XXXX ), has since closed. After many attempts, I was unable to find anyone involved that might be of help. 

I originally payed a lump sum and had the remainder come out of my checking account, via direct deposit. This resulted in the account being payed in full. 

After no luck with the hospital and no luck dealing with XXXX, In XX/XX/XXXX I contacted all XXXX credit bureaus and submitted the information I had. They decided that this debt was unfounded and had the negative remarks pulled from my credit score. 
That was just last month. 

In XX/XX/XXXX, I received a letter from Halsted Financial Institute attempting to collect on the same debt. 
I contacted them on the telephone and tried to explain my situation. 
I believe that XXXX just offloaded this case to them, selling a bunk debt, after realizing that they could n't collect on it. 

If you could please assist, it would be great help. I do n't want to go through all of this again, or until the end of time. I 'm not sure what to do at this point. 
I do appreciate your time. 
Thank you very much, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is a judgement from XXXX on my credit file. I never had a collection with XXXX. I contacted the civil court XXXX and provided the court docket number on the file. They had no record of the item. I disputed this with Trans Union and it remains on my file. There may have been some name similarity that put this on my file ... .but if the court does n't have it, how did it stay on the file after I disputed it?

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 08-01-2017 about Mortgage (Conventional home mortgage) with LoanCare, LLC (CA).
Issue: Trouble during payment process

Complaint: LoanCare misapplied my first mortgage payment to another loan and then credited it to the correct loan 3 months late. They took my second payment and put it into a suspense due to the first payment not being made ( was they misapplied it ). On the second payment an extra {$620.00} was made toward principle. Only {$190.00} of the {$1500.00} payment was ever credited toward my principle. Third payment was credited as a two payment ( one due and one in advance ) instead of applying {$1100.00} onto the principle as directed by the payment coupon. All payments were made on time with an attached payment coupon properly noted with the extra principle payment. See email letter. After 5 months of no resolution, I had to hire an attorney to write a letter in my behalf to the mortgage company and still not results. I am out {$4000.00} in attorney fees and it is still going higher.Review my XXXX 2017 billing statement and you can see all the errors in the details ; nobody can figure out what LoanCare is doing to my mortgage loan. They also attacked my credit file with a 30-59 day late that dropped my score from XXXX to XXXX. I have never been late on any of their payments and they sent me a letter stating they would not damage my credit report due to their errors ; however, reported me late anyway.

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 02-03-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Using a debit or ATM card

Complaint: I received an email from my bank stating that there had been suspicious activity with my account. I took a look at my account online and it turned out that someone had charged over {$900.00} at a XXXX halfway across the country. Another attempt had been made to withdraw {$400.00} from an ATM using the same account that had been denied in the same general area of the initial charge. I immediately reached out to my bank and let them know that they were correct and the charges were fraudulent. I filed a fraud claim and decided to take a closer look at my accounts. Upon closer inspection, I came to realize that there had been a few lesser charges ( & lt ; {$5.00} ) on the account that I had not caught. I informed my bank of these lesser charges in good faith, under the impression that any additional information I could provide would give them a better chance of catching the individual that was committing fraud with my account. The bank initially provided my account with a credit to cover the money that had fraudulently taken from my account while they investigated. However, they have rejected my claim under the pretense that since I had not caught the smaller transactions and made them aware sooner, I was liable for any additional fraudulent charges. At this point I am out over {$900.00} with little to no recourse that I am aware of.

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 03/19/2018 about Debt collection (Medical debt) with Phoenix Financial Services LLC (KS).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They have called me repeatedly over the past few weeks. They have been calling from several different numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They have refused to disclose any information regarding my debt amount and verification and have demanded that I " resolve this issue immediately ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation