milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On my credit report there are 2 inquiries from XXXX XXXX that are unauthorized. I called XXXXXXXX and spoke with a representative and he took my information, did some research and called me back a couple days later. The 2 inquiries that are not mine are XXXX XXXX, 2017 and XXXX XXXX, 2017. The specialist stated they do not have those dates on there end and I need to dispute them. I disputed them with CRA and they still remain on all three reports. These are to be removed immediately. I will not go another 30 days waiting. I have a recorded conversation from the XXXX  specialist saved on my phone. These are to be removed immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Student loan (Federal student loan servicing) with Automated Collection Services, Inc. (AL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: To Whom It May Concern, I was garnished again for 15 % of my paychecks for XX/XX/XXXX and XX/XX/2016 by Automated Collection Services , Inc. in XXXX, TN. I did not receive notice of garnishment from ACSI, and the garnishment took be by complete surprise. 

I repeatedly told ACSI reps that I could not afford the amount of this garnishment. I even faxed over financial records showing that I could not pay essential bills ( rent, utilities, etc. ). ACSI and I then had a written agreement with ACSI to have my garnishment reduced to 5 %. However, I contacted my payroll department this morning and the director of payroll replied they did not receive a fax from ACSI for this reduction, and I was garnished at approximately XXXX % again. 

As I have tried futilely to discuss with their reps, I can not afford the amount at which I am being garnished. It is crippling me financially, rendering me unable to pay my essential bills. I contacted ACSI and I was transferred to someone calling herself XXXX XXXX. XXXX XXXX mocked me. After telling her I was being crippled financially by the garnishment, she said then I could pay the full balance in lump sum or settle for thousands of dollars. Well, if I ca n't afford to pay hundreds of dollars, how can I pay tens of thousands of dollars at one time? Why would someone representing a company mock someone who is financially destitute? Is it common practice by companies to tell people who can not afford to pay hundreds of dollars each month to tell them that they can pay tens of thousands in a lump sum which the representative would know that that person can not pay it? The only reason to say such a thing is to mock and humiliate a financially destitute person. 
Second, they claim they can not relinquish the garnishment. However, they have that option ( as evidenced by a complaint that was resolved on the XXXX website and by common sense -- they hold the debt -- no one is forcing them to garnish me at the rate they are ). I have no problem making payments, but not at the amount they are demanding. I simply can not afford it. 
Plus, I offered to consolidate the loan with my other loans which are in good standing. They refused because they told me that because they had the garnishment they did not have to. 

Had I received a notice of garnishment, I would have been aware of the debt, which I assumed to be in good standing with my other student loans ( that is the only reason it went delinquent ). And, thus, I would have contacted XXXX ( the originator of the loan ) or ACSI and handled it before being garnished. 
From my understanding, I am supposed to have received a notice of garnishment, and I also do not think that belittling consumers for not being able to pay is something that ACSI 's employees have the right to do.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Debt collection (Other debt) with Alliance Data Card Services (NH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: i believe this all started in XXXX 2017 when i purchased a pair of jeans from " XXXX '' the company that handles the money end to which you send your bill is " XXXX ''. Apparently my payment was two days late " unbeknownst to me '' so i got a late fee of {$25.00} i believe it was. I called after i got my second late fee figuring it was settled and that 's where it all started. I talked to a agent who i told my story that i was charged a late fee and this is when he told me my check came in two days late. He said and i quote '' as a one time courtesy i will remove the late fee '' i think i 'm all set but it got worse each time. They continued to bill me late fee every month which i responded to either via the " XXXX '' web site or phone calls from them each time a different person. On three of the calls to me i spoke to a women and i said i was tired of this and wanted to speak to manager well no one ever came to the phone so eventually i hung up, another call a man went thru it all with me said he saw where the mistake was and assured me he fixed it and i was all set, the third not but a week ago said she likes solving issues and wanted my issue be resolved i believed her. She said what happened was that they did remove the late fee but another late fee was already being processed. The man who said he fixed it said the one time courtesy never went thru so who is right? The last women sounded believable so i went with her but yet today i am still receiving bills have been called too many times to count, have been misled and lied to it also has gone on my cerdit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I DO NOT agree with the answer given by the bank of america about my complaint of the case # complaint  XXXX  about Bank of America.   This bank makes its rules at its convenience and the final consumer has no protection and that is wrong, there should be an equity between both parties, when one applies to a credit card from this bank, usually the small print is not read, It is also in the opening of current accounts.   The Bank of America overdrawn at {$880000.00} each account seems to me to be something tremendously bad, this bank acts overriding the rights of financial administration, so I hereby ask you to review the case and to return my rewards won for 10 years and pay m e Interest, expenses and indemnification. And an investigation on my complaint.    I also want to thank you for the offer of a lawyer in the case of Bank of America.   Bests Regards,  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 explanation
Consumer complaint received 11-02-2015 about Debt collection (Payday loan) with High Point Asset Inc (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received at least XXXX calls from this number ( XXXX ) and they have even called my parents. They claim that I owe money on a payday loan that I took out in 2013. I have never taken out a payday loan so this is false. I asked them to send me something in the mail and I will be filing a police report for harassment. They say that their name is High Plane Asset. And that their clients are XXXX and XXXX. I looked XXXX these companies up and there is no contact information for either XXXX of them. In fact XXXX does n't even exist. At least not that I can find. 
This is a disgusting scam to try and scare people into paying them money. They have my social security number and XXXX only knows what other information they have. These people should be prosecuted!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I applied for a XXXX credit card they sent me a letter in the mail saying that Equifax was the one who gave them the credit information. So I went to the Equifax website, It said I took out a mortgage loan in XX/XX/XXXX ( I have n't ever owned a house! ) It said I had a retail card in XX/XX/XXXX it listed places I do not shop at, which I have not ever seen and a bank card? I do n't even have a bank account. I need to know who is doing this stuff and why they are doing it me! I could n't believe what I 've seen on here!! I want to know where this all took place what addresses are they coming from? Because I will take them to court they will get locked up. This is n't fair I 've always avoided using these things because I want to keep my credit clean now that I want to use my credit I ca n't this is unreal!!! I 've always used cash for everything. XXXX!! I called Equifax @ the end it hung up on me when I asked it to repeat the confirmation number and was " supposedly '' referring me to someone I could speak too. I want all the addresses and I.D . 's looked @ the names of the people who took this mortgage in, the names and the addresses of the people who had the retail and the bank card because this is some XXXX. oh and my " free report '' was not available online. -how convenient.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Bank account or service (Other bank product/service) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Account opening, closing, or management

Complaint: Please consider this letter a direct dispute under FCRA. A review of my credit report has revealed a hard inquiry by Compass Bank dated XXXX XXXX, 2015 via XXXX. 
I currently have an association with Compass Bank through a checking account in the name of the " XXXX XXXX ''. The checking account, ending in XXXX, was opened in XXXX 2015. Between the opening of the account and today, I have not applied for additional services or products from your company. Therefore, I believe that you did not have permissible purpose to pull credit history from XXXX or any other Credit Reporting Agency on XXXX XXXX, 2015.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Portfolio Recovery is trying to collect on a debt for Capital One and I have NEVER had a Capital One account. I do not owe this debt and have been fighting it for a long time. They have yet to prove to me that it is mine with any application or signed document. They are affecting my credit and financing.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (MN).
Issue: Loan servicing, payments, escrow account

Complaint: I have just completed paying off a mortgage with CitiBank, I had automatic withdrawal for my payments with the last payment due XX/XX/XXXX and I owed a final, partial payment of {$430.00}. Instead, they withdrew the full {$980.00} minimum payment as well as the {$50.00} extra I had been paying monthly. I called them the XX/XX/XXXX and they claimed the refund was in the works. I called again XX/XX/XXXX and was told that that direct deposit to my XXXX XXXX checking account was not possible but they would expedite the check and it be created by XX/XX/XXXX. I was also told that it was routine for the entire last payment to be withdrawn 'in full ' even if less was actually owed. I have received formal notice that my account has been satisfied and a refund is due me. 
Since this is their normal procedure and the refunds are typically delayed a month, this seems like a nice money maker for CitiBank - they can use my money free-of-charge. I would go so far to say that this appears to be a calculated scam - taking more than is owed and then repaying the overage ( without interest ) with much foot-dragging.

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 07-12-2016 about Debt collection (Medical) with R.M. Galicia, Inc. (CA).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: Today I received a letter from Progressive Management Systems in XXXX XXXX, CA for their account XXXX stating I did not pay a {$100.00} bill. I immediately called and XXXX stated it was for a co-pay of {$100.00} for a XXXX XXXX, 2016 XXXX bill. I asked her if this had be reported to my credit report as I did not want this to effect my credit report and she said if I resolved it with in 30 days it would not report to my credit report. I told her I never got five notices from XXXX and I will check my receipts and call back. I searched my receipts and check book and only found two letters XXXX sent me asking if this XXXX visit was for an XXXX but no invoices were ever sent by XXXX to me. I called back and spoke to XXXX to pay it. After I gave her my XXXX and paid the {$100.00} bill I confirmed that this was paid and resolved and not showing on by credit report. She said if I dispute it to them they must report it to the credit report. I told her I am paying it and I was told if I paid it immediately it would not show on my credit report as I have excellent credit. XXXX and XXXX both lied to me to get me to pay this bill and then after they had my XXXX and I paid it then they said it would be reported. I told them I should be able to state the fact that their client has poor procedures and billing processes and that I never got even one invoice from XXXX. XXXX continued to tell me that even if I paid it the same day I got the notice it would go on my credit report. I do not feel it is right for them to misrepresent or lie to me and then report this account to my credit report after I paid it immediately. I owned a XXXX for 30 years and find their behavior unethical and misleading to consumers. These types of agencies should be put out of business and closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: This judgement was dismissed in XXXX of 2015

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Bank account or service (Checking account) with U.S. BANCORP (CA).
Issue: Deposits and withdrawals

Complaint: RE : Follow Up Documents to Complaint # XXXX I have just received an auto response email from your office, thank you. 
Please know it appears that US Bank is partially completed a review of my accounts and has requested an additional 60+ days to formally reply to your office and me personally. 
Therefore, it is my request to ask that you join this complaint with the original in an effort to insure they have ALL of the documents available to them, that may not be a part of their electronic records. I would appreciate your help with this as I do not want to do anything wrong but need to stress the importance of these attached documents. When I first filed the Complaint I wanted to include them, but taking care of our XXXX daughter XXXX did not allow me the time I needed to convert certain documents in to appropriate formats for transfer and viewing. 
Thank you for helping our family, 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 explanation
Consumer complaint received 02/20/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (AL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: OnXX/XX/2017 my government credit card was charged twice by XXXX XXXX for the same flight for {$560.00}. When I disputed this charge with my credit card they told me XXXX told them it was a proper charge even though I had a receipt that showed the errant charge. They cancelled my card and threatened to garnish my wages if the money wasn't paid but I again sent them proof that it was a double charge and that XXXX inappropriately charged my card twice for the same ticket. I finally got XXXX to admit the mistake and refund the money but Citibank decided to charge an extra {$80.00} fee to the card. They then received a letter saying my military retired pay was being garnished to pay back {$710.00} which just seems to be a made up number.

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 11/25/2015 about Mortgage (Home equity loan or line of credit) with Ditech Financial LLC (NC).
Issue: Settlement process and costs

Complaint: I have a hold on my credit for a house that I have not lived in in almost five years. I only co-signed on the house for a friend that I was living with at the time. The owner of the house should have been paying the payments each month. I would like to know why after all this time I am the one with all the problems.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: PLEASE FIND ATTACHED THE CREDITORS LETTER FOR WHICH THEY HAVE APPROVED OF THIS LATE BEING INACCURATE BUT FOR SOME REASON THE CREDIT REPORTING AGENCIES SUCH AS XXXX AND EQUIFAX DO NOT REMOVE THIS INACCURACY PLEASE HELP ME TO HAVE THIS CORRECTED THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (TX).
Issue: Account opening, closing, or management

Complaint: Citibank offered a bonus of XXXX Thank You Points when opening a Citigold account with the following criteria : make a bill pay 2 months in a row. I called in to create an account and was told that I would be eligible to receive the points if I satisfied the criteria. I opened my account in XXXX, and after calling in several times to confirm I had met the requirements ( and was told I did ), was told to keep waiting. Come late XXXX, I received an email that I was not targeted for this promotion, and would thus not be eligible to receive the promotion.

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 11/20/2017 about Mortgage (Conventional home mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (IL).
Issue: Trouble during payment process

Complaint: HSBC to provide CFPB and me with copies of papers where I cancelled the said ACH authorization. I want this paper only, and I do not want HSBC to submit to CFPB a lot of irrelevant documents ( which it always does ) to confuse the staff and obfuscate the case. 

If there is no such paper, HSBC must submit a letter of apology, compensate me for the pain and suffering it has inflicted on me for almost a year, and for ruining my credit. 

Separately, I request that CFPB review my complaints, confirm that HSBC bluntly violates the letter and the spirit of the Consent Decree it signed with the government ( below ), and ( AA-EC-11-14 ) where HSBC was ordered to and HSBC accepted to : 1- An Action Plan, for " effective mortgage servicing ... compliance, quality control, audit, training, staffing, and related functions .... '' 2- '' Develop and implement an adequate infrastructure to support existing and/or future Loss Mitigation ... and ensure compliance with the Order '' 3- '' Develop organizational structure, managerial resources, and staffing to support existing and/or future Loss Mitigation ... '' 4- '' Agree to deadlines to review loan modification documentation, make loan modification decisions, and provide responses to borrowers and report HSBC to the proper regulatory authority for further investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Credit card () with SYNCHRONY FINANCIAL (CO).
Issue: Transaction issue

Complaint: My payment was sent on XX/XX/2016 the payment was sent with tracking. The tracking number is XXXX and confirms the payment was received by Synchrony on XX/XX/2016 at XXXX. The check was drawn from our title company under check # XXXX is in the amount of XXXX that should have paid the card in full. Synchrony has taken the stance that they ca n't find it and it 's my problem and not theirs even though I have provided them with the tracking and check 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 monetary relief