milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-11-2017 about Debt collection (Credit card debt) with BBVA COMPASS FINANCIAL CORPORATION (AZ).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: 7 years ago my ( XXXX, who XXXX 3 years ago ) husband had a credit card. 7 years ago we owed {$6000.00}. Today I owe {$4300.00}. BBVA Compass Bank is charging me 14.240 % on {$2500.00} purchases. 23.240 % on {$1700.00} cash. This company has been gouging me on interest payments. I am XXXX, in a XXXX and on XXXX. I only have XXXX XXXX and no other assets. After paying rent, food, utilities, insurance premiums and prescription drugs ( plus minimum payments to Compass Bank ), I only have {$28.00} left. I ca n't even afford XXXX XXXX, clothes or shoes. I called on X/XX/17 at XXXX XXXX and the bank would not even look up my account. I was put on the debt list because I missed the due date by one day. I do n't have the credit card anymore, because my husband XXXX 3 years ago. The bank was not helpful at all. I asked to speak to a manager, but she was unavailable. I tried to go to a Debt Consolidation Company, but you need debt of at least {$10000.00}, so I do not qualified.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: tried to get them to verify XXXX XXXX XXXX  they continue to say they verified information and it is correct, but they could not verify the same information on wifes account and deleted it. they wont send information used to verify as i have requested. 
my next step to get it verified will be to file in court and sue both transunion and XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-09-2017 about Student loan (Non-federal student loan) with Lincoln Educational Services Corporation (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Lincoln Tech entered into a contractual agreement with my underaged son whereby I signed as his parent as a cosigner. Without my knowledge or consent, my son dropped out of school and instead of Lincoln Tech sending me an initial request with the appropriate information regarding my son 's debt, they send me threatening letters stating that the account was past due and that they could not contact my son and that they would report this debt negatively to the credit bureaus on my account. I contacted this company several times in writing asking for the appropriate information informing them that I had an issue with them sending me threatening letters when I had never been initially contacted about the original debt.. The company did not respond to my requests for information and verification and yet continued to send me threatening letters stating that they would report negative information on my credit report. I believe that this company violated my rights under the Fair Debt Consumer Reporting Act. I have asked this company several times, where did they expect an underaged child to be able to immediately pay back over XXXX without a response. I believe this college practices predatory lending and even though I have paid them XXXX payments they have reported inaccurate negative information on my credit bureau report.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I contacted  XXXX   XX/XX/XXXX  by online for inquiry removal where in which I have no contract with these entities listed on my report :   XXXX   XXXX    XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX    XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XX/XX/XXXX   XXXX    XXXX    XX/XX/XXXX    XXXX   XXXX   XXXX    XX/XX/XXXX  EACH COMPANY STATES THE WILL NOT REMOVE INQUIRY BASED ON POSTING IN REPORTS AND SINCE NO AGREEMENT POSTS OR IDENTIFY AS ACTUAL ACCOUNTS ON REPORTS IT IS NOT THEIR FAULT. I REQUESTED TO ALL REMOVED ON THE FACT THEIR ARE NO AGREEMENTS MADE TO POST AND TO PULL MY CREDIT WITHOUT CONSENT.

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 02-10-2016 about Consumer Loan (Installment loan) with Weber & Olcese, PLC (MI).
Issue: Problems when you are unable to pay

Complaint: I was not working when receiving a judgement from a credit agency, Weber & Olcese. They then sent a bank garnishment then failed to send the letter until I called and requested it. The balance was XXXX. They are now charging me XXXX I offered them XXXX, they will only take XXXX or will go after my bank and or wages. They wo n't let me pay small amounts or have a smaller settlement. Very rude, harsh, harassing and hard to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HUNTINGTON NATIONAL BANK, THE (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My HELOC with XXXX XXXX XXXX termed out XX/XX/XXXX and at end of term XXXX XXXX sent a statement showing the total balance due. Seeing that I did not have over {$300000.00} on hand I called XXXX XXXX XXXX for guidance. I was told by a representative to continue making monthly payments of {$1000.00} to at least cover the interest while they sort things out. I then received an alert on my credit report that I was being reported as late, even though I made {$1000.00} payments from XX/XX/XXXX - XX/XX/XXXX. I then called the XXXX XXXX customer service line. The XXXX XXXX XXXX  representative told me several times the credit reporting would be reversed, yet each month things got worse not reversed. I talked to my branch contact XXXX XXXX who called customer service on my behalf many times. Then Huntington Bank took over XXXX XXXX XXXX and now many of the personnel familiar with my situation are no longer employed by Huntington Bank. Luckily my XXXX XXXX branch contact XXXX XXXX is still with Huntington Bank. XXXX has made and continues to make several phone calls and has also been told mulitple times that the reporting is being corrected. Huntington Bank has since given me a two year extension on my HELOC, yet at a higher interest. If I were 120 days past due why on earth would anyone extend credit to me? Internally, Huntington Bank knows my credit report is incorrect but any other potential lenders looking at my credit report do not know the facts.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Payday loan, title loan, or personal loan (Installment loan) with SCHOOLSFIRST FEDERAL CREDIT UNION (CA).
Issue: Charged fees or interest you didn't expect

Complaint: I bank with Schools First Credit Union for many years. I have a personal and car loan through them. I do n't normall look at the transaction but today I did. My payment is set up to pull from my checking account automatically. The banks allows a 15 day grace period before the payment is considered late. Today I discovered that the day after the payment is due if the funds are n't able to auto draft they charge a {$20.00} NSF fee even though they have a day grace period. 

Can they legally do that? What about a 15 day grace period? 

Between both loans I have been charged about 10 times ( {$200.00} ) just this year. I have no idea how long this is happening. 

Because they are turning around charging me {$20.00} I am paying interest on a higher amount when I think my balance is being reduced. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 05-04-2017 about Debt collection (I do not know) with Maury Cobb, Attorney at Law, LLC (FL).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: Maury Cobb a ttorney at law calls the house multiple times a day. They leave automated messages. When you go to call them back they do n't have a representative or a voicemail available. They call and harass you all day and they call from a called ID as some law firm. They also leave the same annoying message.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
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: According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal  law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the XXXX XXXXXXXX XXXX XXXX XXXX account .Ive Been trying to verify this account for XXXX months from XXXX XXXX XXXX XXXX and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof

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 04/14/2017 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Deposits and withdrawals

Complaint: In XX/XX/2016, an i.d . holder I use for my ATM card and my public benefits card was lost or stolen. Unfortunately it also contained a post-it note with my PIN number on it. I did not realize at first that it was gone. It was only after the bank sent me a letter about a deposit I had not made that I realized I had lost them or they had been stolen. I went to the bank to dispute the charges, but I only speak Spanish and it was difficult to communicate with them. Later, a lawyer who is a friend of the family helped write a letter to the Citibank Fraud Dept. for me, but he is a criminal lawyer and could only give me limited assistance. The Bank said they did an investigation and denied my complaint. They said the activity on my account was normal and the amounts were in range, there was no indication of a suspicious use of the card, that the questionnaire I completed was inconsistent ( probably because I do not speak English ), and that the audit was not consistent with a skimmed card. This investigation was not proper because the conclusions do not agree with the documents. The activity was not normal. I deposit money from the same source every month and make withdrawals in small amounts. During the weeks in question, checks for XXXX were deposited in my account and withdrawals for XXXX were made. I got copies of the checks, and it is obvious that the identity thief forged my name. I filed a complaint with the police and they are investigating. I never said the card was skimmed. I said my ATM card was lost or stolen. There is no way that I would have forged checks and deposited them to my own account when I just would have had to pay the money back myself after the checks were no good. I work hard as a home attendant and my daughter is XXXX. The only income I receive are payments from my employment and my daughter 's XXXX check. Several of the checks deposited were drawn on a Construction company account. I have never worked in construction. It makes no sense. I have several accounts with the bank. The one with the fraud is the one I use to deposit my daughter 's checks. They have frozen the one where I deposit my work checks. They say I owe them {$11000.00} because of these fraudulent checks. But I never made the deposits or the withdrawals.

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 10-02-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (CA).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I received XXXX letters on XXXX different dates ( see attached XXXX letter ) from AFNI Inc. that I am liable to XXXX XXXX XXXX for {$2100.00} regarding an incident ( auto accident ) that occurred on XXXX with XXXX XXXX XXXX. The letter clearly states that the facts of the case indicate I am liable for a loss incurred. The letter also states that the Department of Transportation may have been notified to determine compliance with the Financial Responsibility Act, along with the Secretary of States ( XXXX ) Office to possibly suspend my driving or registration privileges. Additionally the letter indicates that I may be charged {$4.00} for processing. 

I phoned the customer service center on XXXX at approximately XXXX PST and spoke with an unidentified female customer service representative. After providing the AFNI file number, the representative claimed that I was involved in an auto accident at XXXX and XXXX in XXXX XXXX, CA. I told the representative that I was not in any accident at which time she asked if my license ended in XXXX. I told her it did not and she replied " how about XXXX? ". Again, I responded no. She then said that was supposed to be my driver 's license number, not license plate. At this point, it was clear to me that she was fishing for information and I stated such. I also advised her that my last name was not the same last name on the attached letter. My last name is XXXX and the letter shows XXXX. She told me cops make typos all the time and I advised her that as a XXXX, I can assure her that we are required to file accurate reports. At this point I asked to speak to a supervisor, which she declined, then hung up. 

I am concerned that this company is using aggressive and flawed investigation and recovery techniques that would cause serious financial problems to people that are n't familiar with law enforcement reporting and investigation. I was targeted for financial recovery without cause and due diligence. There is no preponderance of the evidence, which was not listed, to find me liable in any way. I am not confident that this company will cease attempts to collect this debt for which I did not incur nor am responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Credit reporting () with EQUIFAX, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Equifax keeps load on the credit report adverse information that was already deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Debt collection (Other debt) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: On the day of XXXX/XXXX/XXXX I received my regular check from my employer which it was the amount of XXXX. I later on mobile deposited onto my account and left the check in my purse for several months. on XXXX XXXX XXXX I went shopping at XXXX and someone stole my yellow mustard purse which contained my work checks from my employer. I was lucky to have my wallet on hand while my purse was on the shopping cart. unfortunally I turned around for a sec and the purse was gone with my personal belongings, phone and checks that where by digital deposit into my account. days passed and on XXXX XXXX XXXX my employer came up to me and asked if I re cashed a check from XXXX for the reason that XXXX was deducted from her business account. I later realized that the same check I mobile deposit on XXXX/XXXX/XXXX was re cashed on XXXX/XXXX/XXXX and of course my employer went to her bank and filed a fraud complaint regarding the stolen money. A week had passed and I log into my account and I realized that I was XXXX less which I was confused and of course called my bank immediately and my bank had said they took that money and put it back to my employers account which is XXXX XXXX XXXX. I was furious because now my account is being affected due to this money being less. I went to my employer to let them know money was taken out of my account and they rushed into their bank to talk to a XXXX XXXX XXXX manager to let them know that the check that was cashed on XXXX XXXX was thef. I called my bank several times and they could n't do anything for me they stated that the check was cashed on XXXX XXXX and suggested for me to go and talk to them regarding my problem. I did go and explain my situation and said they could n't do anything for me. I went to XXXX XXXXf XXXX ( where the check is originally from ) I explained that fraud claim was made and I wanted answer, they could n't give them to me. So basically a check with my name was disputed/cashed in XXXX XXXX without my Identification or knowledge. I need answers and of course my money back. XXXX XXXX XXXX did n't look into investigating bank XXXX where the check was disputed and they went after my account to take the money out. I need answer I have a police report as well and when my employer went to do the fraud complaint she took the police report to show it is thef.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Debt collection (Medical) with Overton, Russell, Doerr and Donovan, LLP (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: A medical collection is showing on my credit report. I called the company to pay the collection and they said it was paid XXXX years ago. It is still showing on my report and is a negative account, essentially hurting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: This company is a joke. It does not show me my balance amount as of each transaction. Every other company does this, XXXX XXXX and XXXX XXXX XXXX except this. For example, I have {$1000.00} balance, spend {$3.00}, the balance should display as {$1000.00}, and so forth on each transaction line. Show the balance amount on each transaction line. Have a manager call me back and fix the problem. 
This is an easy problem, fix it, and stop acting like a bunch of boring guys in suits, and do your job. Please have high end technology director call me up. I do XXXX XXXX for a living.

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 11/30/2016 about Mortgage (Reverse mortgage) with REVERSE MORTGAGE SOLUTIONS, INC. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: My mother 's home that is in a reverse mortgage caught fire in the kitchen. The home suffered smoke damage throughout ... There are two issues : 1. The contractor has not been paid by Reverse Mortgage Solutions , Inc . They are holding a check for over {$29000.00}. The check has been held for months. Obviously the contractor needs this and all future payments due immediately upon disbursement. 
2. The insurance adjuster representing the Mortgage company did not include all work needed to make the home livable again. The adjuster needs to return and accurately assess all damage so the insurance company will pay for completed work.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2016 about Debt collection (Credit card) with Diaz & Associates, Inc. (KY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I 'm contacting you, asking for an investigation of Diaz & Associates , Inc. located at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX California XXXX.Because of my on-going Identity theft, I enrolled in an Identity theft monitoring service XXXX XXXX. On XXXX XXXX, XXXX my service notified me that a Major Derogatory mark, new account was opened and an address change took place on all XXXX of my credit reports, reporting by Diaz & Associates , Inc . I pulled all XXXX reports finding the new account was XXXX XXXX, XXXX to this notification, I never knew Diaz & Associates existed . Diaz & Associates, Inc. did not contact me by mail or any calls from their office, not providing me notice of debt. I found numerous errors on my credit reports caused by the data Diaz & Associates , Inc. is reporting to the credit bureaus. After consulting with a debt collection attorney, I demanded Diaz & Associates provide validation of the debt they was incorrectly reporting on my credit report. I wrote Diaz & Associates , Inc. by certified mail asking for full validation of the account and putting Diaz & Associates , Inc. on notice regarding all the reporting errors on my credit report. Diaz & Associates, Inc. replied by advising me how well versed Diaz & Associates , Inc. is with state and local laws and the FDCPA. In the same letter they tried to explain why they made so many errors on my credit reports. Diaz & Associates , Inc. also included an illegible copy of a customer agreement and disclosure statement dated XXXX XXXX, XXXX from XXXX XXXX stating that the customer agreement and disclosure statement authorize them to collect the non-validated debt on my credit reports. XXXX XXXX, XXXX I replied to Diaz & Associates by certified mail that I dispute any and all of their claim of the debt they were reporting. In the same letter I advised Diaz & Associates, Inc., that they violated my FDCPA rights under sections 809,812 and 807. XXXX XXXX, XXXX I was advised by the United States Post Office that the business was closed. USPS tried to deliver the certified letter for a second time again reporting the office was still closed ; leaving notification that the letter was waiting for pickup or reschedule. After a fifteen day holding period the certified letter has been returned to me unclaimed. How can Diaz & Associates, Inc. still be reporting this debt on my credit report if the office is closed? I 'm asking for resolution that Diaz & Associates , Inc. removes any and all reporting to my credit reports. I find their business practices be deceptive and should not be allowed to continue reporting the debt they have failed to notify me of or validate.

Company response to consumer: Closed with explanation