milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/28/2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Unsolicited issuance of credit card

Complaint: My husband and I went to Macy 's to buy bedding on XX/XX/2016 : a duvet, duvet lining and matching pillows. At the time of purchase the sales clerk suggested we apply for a Macy 's credit card to receive an additional 5 % off. We applied right then and there at the sales counter. We were denied, so we paid for the bedding with our personal credit card. PROBLEM- we received a Macy 's credit card in the mail account number - XXXX with a statement showing a charge for the bedding. Incidentally, we never signed anything for a Macy 's credit card. We called Macy 's - ( have been calling for several months now ) explaining the situation to a 'supervisor '. We mailed copies of our credit card statement verifying that this was paid for with our own credit card. Every time we call, we get the same line : " We understand, we will take care of this ''. Up to this month there has not been a minimum due because we were 'in dispute '. This last statement, not only was the charge not taken off of the Macy 's card, a minimum payment is due. My husband is very worried about our credit so he went ahead and paid the Macy 's charge of {$550.00}. on XX/XX/2016. So we have paid doubled for this bedding. They wore us down and they won. Can you help us get our money back from Macy 's?

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 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with GENERAL MOTORS FINANCIAL COMPANY, INC. (WV).
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint: This is an unauthorized inquiry that 's being reporting by this creditor Corporate Office | GM Financial Corporate Office | GM Financial XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, TX XXXX XXXX XXXX Identity Theft Department/Dispute Department RE : FTC : IDENTITY THEFT REPORT # XXXX Gm Financial XXXX XXXX, XXXX Unknown inquiry, please delete

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/31/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (OK).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: My car was reposted and has been in their custody. I have been trying to find the money and resources to get my car back even trying to call them on a regular to see what my options were. I called Santander on XXXX XXXX, 2017 to see what my best option was as I could not come up with the full amount. I was told that if I made a payment of XXXX which is the monthly payment of the car, I would get an additional 10 days to come up with the rest. I accepted the offer. The representative then asked me if I would be making that payment that day, I told him if I received the funds from my mom who was aiding me I will as I was waiting for a check. The representative then said ok. He did not notify me that he had already given me the 10 days extension. In my mind and from what he told me I had to make the payment first before receiving the extension. He went ahead and gave me an extension without my knowledge. So when I called back on Friday XX/XX/XXXX with two months worth of my payment, I was told the extension was already given. The problem with that is, I needed that extension so come up with the rest of the money. Without him telling me that and informing me, it messed up my whole plan towards insuring I get my car back. I called back and tried to work with them and speak to a manager and I was told I had to make a payment by XX/XX/XXXX or the cost would go up. I have struggled to come up with what was needed and what I was told only to be told something else. It 's been like that the past month. With this company. It 's not fair that the representative did not communicate that with me. He should have told me he had given me an extension already, so I know the days and the time I needed to make my payment by. It 's not my fault that he did not communicate that with me, it would have made things easier for me knowing my options.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX account # XXXX I paid XXXX for XXXX month of service when they came to do the install. I received poor service and cancelled it within that XXXX month. I had no contract for extended services and I returned their equipment in good working order. They have attempted to bill me for an additional month for which no services were provided. This needs to be removed from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IA).
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 XXXX sent me a XXXX XXXX of XXXX for a old credit card balance. So I reported it on my taxes. A few months ago, the old account that had XXXX balance started showing a balance on all 3 credit Reporting agencies. I disputed all 3 and sent a copy of the XXXX and a IRS statement that said it was cancellation of XXXX XXXX XXXX XXXX XXXX right away. XXXX and Experian did not. So I disputed it again. They still claim the account is verified and shows a huge late balance. The Balance should be XXXX. Can not get any into from XXXX XXXX about this. But it is causing me to have high interest rates and severely damaging my credit. The letters themselves are very easy to figure out. The account should not be showing a current balance. I do not understand why 2 of the  agencies can not figure this out. Its so simple of an error on there part.

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 01/26/2018 about Debt collection (Medical debt) with Retrieval-Masters Creditors Bureau, Inc. (MO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Between XX/XX/XXXX and XX/XX/XXXX, I received a calls from XXXX XXXX XXXX concerning a Medical bill. I asked them to mail me detailed outline of services rendered along with the bill and I will promptly sent them a check for the total amount. All they sent was the bill. 
On Friday XX/XX/XXXX at XXXX XXXX central time, I received a call from XXXX ( employee number XXXX ) with XXXX XXXX XXXX concerning the same matter. Once again, I asked them to send me a detailed statement of services rendered along with a bill and I will send check for full payment. She stated they sent the bill in the past. I told her I got the bill but not the detailed statement. 
She continued her attempt to make me pay by credit card or to give her my bank info for an electronic check. I stated I was not giving my personal info over the phone and that I would promptly mail a check for full payment once I received the detailed statement and the bill. She continued to harass me and threatened to report as bad credit if didn't pay with her. I Firmly asked XXXX if they are willing to take my check. She stated they ONLY take credit/debit cards and electronic check. I asked to speak with her manager and she put on hold and ultimately hung up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: My current subprime mortgage provider is OCWEN. I have a 15 days grace period to pay without late fees. However, it is only available before and up to 10 days after your due date. Between the XXXX15 days in order to pay online, we are charged a {$10.00} fee. I have tried mailing my payment to avoid the {$10.00} fee but always they claim they did n't receive it which makes it worst because then it is a 5 % late fee. If I have a 15 days grace period then it should be free to pay online.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I opened my account ending in # # # in XXXX and this card with BOA has been my longest line of credit. I have been diligent in payments and have several other accounts with BOA. 
XXXX XXXX XXXX I legally changed my name and requested BOA change my name on my accounts and re-send me new credit cards reflecting this. I received my debit card and other credit card with the new name on it, but this credit card was re-sent with my old name still on it. I requested a second one be mailed with the corrected name. Again, it came in the mail with the incorrect name on it. 
XXXX XXXX I had closed my account with XXXX XXXX and they had a standing balance of - {$84.00}. They provided me a refund of that amount on XXXX/XXXX/XXXX which was deposited into my bank account on XXXX/XXXX/XXXX. XXXX then incorrectly had that I owed them {$84.00} even though my account should have been closed and {$0.00} at this point. They INCORRECTLY sent me to collections. 
XXXX XXXX BOA sent me a check for {$1.00} because I had over-paid my credit card balance and this was to put me at {$0.00} for this account. 
On XXXX XXXX I received a letter from BOA stating that they CLOSED this account citing a collection account appearing on my credit file. There was no warning or route to dispute this claim. 
I attempted to dispute this with the BOA employee XXXX in XXXX in which he pointed me to check my credit. I then contacted XXXX, disputed the collection account on my credit and cleared that issue up ( See XXXX 's letter and XXXX 's letter stating this dispute had been resolved attached ). 
I then worked with another BOA employee- XXXX XXXX on XXXX/XXXX/XXXX to request that this credit line be reopened due to the fraud/disputed claim being taken care of. I received attached letter from BOA stating that " we were unable to approve your request to reopen the above referenced account because the terms for this account are no longer available ''. 
I submitted on XXXX/XXXX/XXXX that this be reviewed and reversed due to XXXX and BOA 's error and not my own fault. CASE ID XXXX. 
1. This account was closed in error 2. The issues cited as to why it was closed were in error and have been handled and fixed to the best of my knowledge.
3. This was my longest line of credit that is being affected and as a long standing customer and on-time payer- this has taken time and effort to fix something that was not my fault.

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 04-02-2018 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (TX).
Issue: Trouble during payment process

Complaint: On XX/XX/2018 XXXX of our our mortgage loans transferred to a new company ( specialized loan servicing ) that had purchased our mortgage without us being aware. We paid XX/XX/XXXX and XX/XX/XXXX payments to the old company. On about XX/XX/XXXX the new company locked us out of our house and changed the utilities. They placed a sticker on the inside window of the house stating they had changed the locks and shut off the utility. When I called the phone number on the sticker they refused to give me the mortgage companies name/phone number. My wife called the mortgage co and they refused to give us access to the house till we paid XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX payments on both houses, even though we had already paid. They never filed any legal processes or gave any notices. To this day, almost a month later they still have not given us a key to the house and have placed 60 day late notices on my credit report even though we are current, and even got refund checks from the prior mortgage company. 

They illegally locked us out, they illegally entered our house, they illegally shut off our utilities and opend up water lines causing water leaks in the house, they illegally put marks on my credit report for 2 mortgages and when I call them they refuse to fix 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 09/20/2017 about Debt collection (Medical debt) with Collection Bureau of Fort Walton Beach, Inc (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I contacted Collection Bureau of Ft Walton Beach , Inc by phone at XXXX on XX/XX/XXXX to inquire about account number XXXX on a collection letter i received in the mail in the amount of {$42.00} from the creditor XXXX XXXX. I asked the representative to verify the debt because i have never been to an office with that name. She stated it was for my daughter XXXX XXXX, who is an adult. I asked her why was this put on my credit. I filed for bankruptcy in XX/XX/XXXX ( case # XXXX in XXXX FL district ) and my debt was discharged. She said they did n't get the account until XX/XX/XXXX. This account does not belong to me and I asked her to remove the account. She released the line in my ear. I called back and got VM. I left a VM with my case number and got no call back.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Debt Recovery Solutions, LLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This company XXXX has been trying to collect XXXX for a phone bill that I had in XXXXthat I do n't owe. I have been trying to dispute for years and its being reported on my credit report I would like to be able to have this removed and I have information stating I do n't have a balance.

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 03-06-2016 about Debt collection (Medical) with R & B Corporation of Virginia (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had a XXXX XX/XX/2014. I was sent a copay in the mail that I forgot to pay until XXXX 2014, then I paid it. The bill was {$90.00}. Since then I have had a mark on my credit report for an unpaid bill of {$900.00} to Credit Control Corporation. This has been two years, I paid my bill and have had a lowered credit score and sent out to collection anyway. For two years this has lowered my credit score to XXXX, I need this resolved!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2016 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have had no issues with reporting inaccurate information with XXXX XXXX and XXXX. However, Experian refuses to allow me to file a dispute, even after purchasing my credit report from them.

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 Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Delinquent account

Complaint: I live in an area affected by XXXX in XX/XX/XXXX. Although my own home thankfully suffered only minor damage as a result of the storm, our entire region experienced hardship for weeks and months afterwards, including roads blocked in many places by fallen trees, power outages, lost work and business, gasoline shortages, cancelled school and school buses, and more. As you can imagine, this had significant effects on my personal finances at the time. Due to a combination of personal hardships we were already delinquent on this and other accounts at the time, and we now struggled even more with our credit card payments. 

( It took us several months to get back on our feet but when Bank of America offered a settlement in the XX/XX/XXXX we stretched ourselves and neglected other bills to make the sizeable installment payments and close out this debt. ) Bank of America reached out to us shortly after XXXX offering special payment accommodations and fee waivers for customers in affected areas for several months ; however, Bank of America is now reporting delinquencies to the credit bureaus for the months after XXXX. 

In addition, the total balance that Bank of America is reporting for this account includes late fees and other charges that were improperly assessed in the period following 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 04/24/2015 about Mortgage (FHA mortgage) with U.S. BANCORP (MT).
Issue: Loan modification,collection,foreclosure

Complaint: I fell on hard times about a year ago and landed back on my feet and I was able to make my monthly payments on my mortgage with US bank up until XXXX of 2014. I ended up having to apply for financial assistance. My mortgage supervisor lead me to believe I was doing the right thing and at that time I had the money to pay the backwards amount but she instated on going a different route so I decided to fill out all the paper work and submit it a few months later I had heard nothing back form them so I decided to email my supervisor and ask her if I can make payments so I do n't fall so far behind she told me no that the process is in under writing right now and there would be no reason to make a payment due to being accepted for financial help so two more months go by and I get a letter stating I was not accepted for help and I have fourteen days to appeal so the next XXXX days I called my supervisor XXXX a day and left voicemails tell her voice mail box was full I never heard back from her for a full month and in the mean time getting another month behind on my payments. when I asked her about all this she denied it but I have it all in writing through emails so she has yet to contact me back on my options then another month and payment behind goes by and I get a letter in the mail stating I am due for foreclosure which I was doing everything in my power to stay out of that is was my supervisor who was not contacting me not keeping me informed and not doing her job yes I fell behind and that 's my fault but now I am nine months behind due to her not helping me and leading me in the wrong direction I had the money to pay what I was behind at month XXXX and not being nine months behind and no help my home will be foreclosed on unless they take back fees due to her emails and telling me not to make a payment. if you feel I have a case please call me and I will forward the emails to you of her stating not to make a payment.. I will forward emails so you can read every one of them they sent me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Debt collection (I do not know) with U.S. BANCORP (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: InXX/XX/XXXX I received a notice from US Bank that I owed money on an account that I did not recognize. I called the number provided ( XXXX ), and they were unable or unwilling to tell me who they worked for, but kept asking for my SSN to verify the alleged account. 

I then received another notice dated XX/XX/XXXX from US Bank alleging an increased amount due for the same alleged account. On XX/XX/XXXX, I took both of these requests to a local branch of US Bank ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX ) and met in person with XXXX XXXX. He went on his various systems and verified that based on my photo ID and SSN I have no account with US Bank, past due or otherwise. He then connected me on his internal phone with the US Bank Collections team, and they verified that the alleged account was not associated with me or my wife. 

I have now received a notice datedXX/XX/XXXX, from XXXX XXXX XXXX XXXX alleging a further increased amount due on the same account that US Bank has already verified is not mine or my wife 's.

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 01-11-2017 about Mortgage (FHA mortgage) with NATIONWIDE ADVANTAGE MORTGAGE COMPANY (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Mailed in mortgage payment, XX/XX/XXXX to Nationwide Advantage Company and mortgage company received payment on time. Tracking number shows the monies were delivered on time in their office they contacted me on XX/XX/2016, that payment was not posted. I provided them with the tracking number for the payment. I was told to call back in two days to see if the payment has posted. I comply with the request called back they still had not located payment. I then offered to stop payment on the check according to XXXX the representative I was speaking with I should not do that because when they do find it they will put it through and this will cost me more. I faxed and mailed a letter out to the corporate office stating the problem and that they needed to fix it. Locate my payment and stop will negative reporting she then informed me that I needed to make another payment over the phone to bring my account current. I refuse to do so and again informed XXXX. XXXX that they needed to find my payment. The resolution for this problem : Nationwide to go back an remove all they negative reports of my being late because I was not, and to remove the late fees they billed me for because I was not late. And list my account as current.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
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 have a reposssion on my credit file and I asked them to send me all documents validating the account is actually mine. They failed to do so!!!

Company response to consumer: Closed with explanation