milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-10-2016 about Credit card () with TD BANK US HOLDING COMPANY (NY).
Issue: Late fee

Complaint: My wife signed up for a Target Red Card credit card since we are ( or were I should say ) frequent target shoppers. I signed up online for autopay and then the website managed to not register that I had signed up. Sure enough when I get the bill 2 months from then ( the first month I assumed would be taken care of ) it became clear that their website did n't register that I had signed up for autopay. So I went online and signed up a 2nd time. now it 's few months after that and we realize that they are still charging late fees because their website managed not to register the autopay a 2nd time. I spent 2 hours on the phone with them. The person refused to hand me off to a supervisor. Blamed me for not paying close enough attention to the bills ( which kind of defeats the purpose of autopay ) and did nothing. Please open an investigation to see if this is a widespread scam -- or really only for us and a few others. If you look online there are tons of complaints about the redcard and their lack of oversight. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Debt collection (Medical debt) with Aargon Agency, Inc. (SC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On   XXXX   XXXX  2017    I sent o ut a request for debt validation to the company AARAGON COLLECTION AGENCY in regards to ac counts  XXXX  and  XXXX  ( letter attached ). I have yet to receive any correspondence in regards to debt validation I disputed this company with all   XXXX    credit reporting agencies  as " no contract unknown debt '' I am in no legal binding contract with AAROGON AGENCY and I requested that the accounts be deleted or debt validation be provided. The have removed one ac count from my  XXXX  report but both accounts should be removed from all   XXXX   credit reporting agencies.

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 10-03-2015 about Mortgage (FHA mortgage) with FIFTH THIRD FINANCIAL CORPORATION (KY).
Issue: Settlement process and costs

Complaint: In XXXX of 2015 I approached XXXX XXXX, a loan officer at 5/3 bank, XXXX XXXX location about a home loan. I was preapproved and located a home I wanted to purchase in XXXX of 2015. The initial phases of the loan went smoothly but as the loan entered the final stages of underwriting we were given unclear information about the nature of necessary repairs. It took several weeks to receive clear information about how the nature of said necessary repairs should be done. I spoke with XXXX XXXX, a Mortgage Processor with the corporate headquarters of the bank as well. Neither she nor XXXX gave us clear information until much time had passed. Once we were given clear guidelines said repairs were completed and the home loan was given the formal " clear to close '' and a closing date was agreed upon by all parties. The day following our clear to close I spoke with XXXX XXXX to see what the next step of the process was. I was informed that our loan had been randomly selected for a quality control check. I was told this was to ensure that the loan processors had done their job correctly. I was told nothing was wrong. It would just take a bit longer and that i would still be able to close on time without any issues. The following afternoon I received an email from XXXX XXXX stating that our closing date was now tentative and may have to be postponed. This was due to the quality control staff having an issue with the aforementioned repair. XXXX stated that he had sent a rebuttal to the quality control staff the day before ( the same day I spoke to him and was lead to believe there were no concerns with my loan ) but they had yet to respond so closing may need to be postponed. I feel that we were mislead in multiple instances during this process. Firstly, we were lead to believe by the bank at large that our loan was fully processed and ready to be closed upon, when in actuality this was not the case since we were then sent to quality control and no longer allowed to close. We were also mislead be XXXX XXXX personally as I was specifically told nothing was wrong with our loan being sent to quality control, when in actuality he was already aware of the potential repair discrepancy and did not disclose the issue to me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Payday loan, title loan, or personal loan (Payday loan) with Big Picture Loans, LLC (GA).
Issue: Charged fees or interest you didn't expect

Complaint: I did not agree to loan terms. I was never contacted via phone for loan terms. The interest rate is shark-like. I 'm not even sure this is legal. Contract did not specify paying eve ry two w eeks.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My husband and I are in the process of moving and purchasing a home. In anticipation of this event I pulled our credit to check credit scores. Upon doing so I discovered a defaulted XXXX/XXXX account. Over two weeks ago I submitted a fraud complaint. I then received a response from Experian stating that the creditor verified the account as accurate. I then called XXXX XXXX to discuss the fraud claim. The first person I spoke to said that we could simply pay the claim. NO WAY! I then asked to be transferred to another agent. They said that the process would take 10 to 60 days. We hope to close on a home in less than 60 days. That agent said he would transfer us to the investigator and they would take our information. The final agent said that she could do nothing to help us expedite the process. Please note the following facts : 1. We currently have 3 open accounts with XXXX XXXX. One is paid off with perfect pay ( XXXX XXXX ), the second is XXXX XXXX XXXX with a XXXX balance, charged on monthly and paid off and finally XXXX XXXX  which has a balance on automatic pay and paid perfectly. All three accounts have our current address and correct phone number. 

2. The address used to obtain credit is a home we have not owned since XX/XX/XXXX. We have not lived in that home since XX/XX/XXXX. The account was opened in XX/XX/XXXX. 

3. The first agent I spoke to said that they reject all fraud claims made through the credit bureaus by consumers. 

4. We have never had a late payment or any derogatory credit. 

5. The interest rate on the mortgage will be higher due to lower credit scores. 

6. The agent was in fact not the investigator and she made the following statements : A. There is nobody with more authority than her at the bank B. There is no way to expedite the verification process C. She can not give us the account number in reference D. She can not transfer us to another account manager E. The investigators will not talk to us to help provide information F. Her name was XXXX # XXXX ( probably not correct employee reference # ) G. She wanted us to link our current phone number with the defaulted account! 

The effects of this error will cause thousands of dollars in interest charges and/or possibly lose the house due to delay in processing.

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 12-03-2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX XXXX XXXX Account # : XXXX Southwest Credit Ref # : XXXX I was a loyal client of XXXX XXXX XXXX for 4 years until my son needed a cell phone. After clearly explaining what services were needed, their representatives advised me to purchase products that did not meet our needs. 

Several repeated 2-4 hour phone calls resulted in returns and additional products that did not meet our criteria. 

I had to escalate the issue several times since XXXX XXXX XXXX refused to take responsibility for not only the ineptitude and rudeness of their employees but also refused to correct the billing. 

In fact, I warned the escalation department they were going to lose a 4 year loyal Client unless they did the right thing by correcting my account several times. 

Instead they chose to show me how little my business and loyalty was worth by refusing to admit their mistakes and credit my account. 

So I switched to XXXX. 

Since I cancelled my account with XXXX XXXX XXXX, I have been waiting for my " final bill '' so XXXX could buy out my contract. I was told by an XXXX XXXX XXXX representative the " final bill '' was in the mail. It never arrived. 

Another XXXX XXXX XXXX representative told me I had to log in online however when I did, my account was locked. 

Now months letter I am getting phone calls and threatening letters from Southwest Credit demanding money. 

I suggest they read the Notes and see how many times I asked XXXX XXXX XXXX to fix their mistakes, that I did not want to switch Carriers but I would if my business was not appreciated. 

I can dig through the remains of XXXX XXXX XXXX and get names and dates. Most of it was taken out with the rest of the trash. 

I will never do business with XXXX XXXX XXXX again and strongly suggest the President of the company cleans " his '' house. 

Since I have had to deal directly with the President 's Office on a different occasion and on the behalf of another abused consumer, I am not holding my breath. Their employees are garbage and they do not care about loyalty or Client retention. 

XXXX XXXX XXXX and Southwest Credit ... DO NOT CONTACT ME AGAIN. DO NOT TAKE ADVANTAGE OF YOUR MOST LOYAL CLIENTS AND EXPECT THEM TO STAY.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint: I was their client since XX/XX/XXXX. Closed my account of {$17000.00} in XX/XX/XXXX without ever missing a payment and I 'm still paying for that closed account meaning that they have ALL my information on file .I believed that by being a previous client with past and current excellent credit, it would be easier to obtain a credit card for traveling purposes. I was approved for {$10000.00} and received my card only to see that it was restricted. I called and they kept asking for the same documents over and over even after admitting that they received them and explained that I would have to send them again. Each time the person would refer to me as M'am because my voice has a high pitch, which I 'm used to, but never had a problem for credit because of that.They even asked me to change my address on my XXXX account and I even did that because at this point I just wanted to " prove '' that I was me. I ask to go directly to a branch, they said it HAD to be done online. For over a few weeks I have been sending documents and every time I have to wait up to 72 hours for each documents they ask for every time they call. I even tried to speak to a supervisor from the department on XX/XX/XXXX at XXXX XXXX  and first the representative XXXX told me that they were all in a meeting and seconds later that there was only 1 available because they were in a change of shift. I ask to wait, XXXX explained that her supervisor XXXX was going to give me a call back and that was yesterday. I guess that is the longest meeting/change of shift a company has ever had. I called to cancel the card they already sent and I have n't been able to do that either. Plus they sent a fraud alert to the different Credit Agencies and I had to call each to clarify my identity, which happened without any inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Because I was unaware of what has been going in regards to my credit report monitoring and having incorrect and outrageous errors all over my reports, this has concluded as a identity theft issue. And obviously, I am the victim. With that being said, and all my timing being very unexpected and hectic within my busy life as a fulltime mother and XXXX, I am AGAIN unaware and shocked with a Urgent notification letter from Sheriffs Dept. to my residence, stating under my name an ARREST WARRANT!  Therefore, fast forwarding towards ALL procedures I must do to quickly process towards my most important task ; clearing my name FIRST and rolling over to correct my IT issue, as well as my SS #. Lastly, I state that in my terrible and agitating situation, it all sums up quite simply that as a victim of Criminal IT ... MY NAME is now FALSELY UNDER FOR AN ARREST WARRANT DUE TO A SERIOUS FELONY CRIME. Thanks a lot for whoever decided to do this to ME and vanish into thin air so I can unknowingly suffer the consequences, and most unfortunately, AS AN INNOCENT CIVILIAN..!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-04-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (WI).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Supposedly this is for a   XXXX   XXXX   card debt of {$50.00} from five years ago.
# on my caller id was :  XXXX  Person I spoke with IDd himself as :   XXXX   XXXX   The address he gave to his office is ( written dispute ) :   XXXX   XXXX   XXXX  ,  XXXX , VA  XXXX  He refused a verbal cease. He also demanded the reason why I disputed the balance other than I dispute. I told him I disputed the balance and to send validation. He denied to do so stating I need to make a written request to the above address.
He denied a cease request by phone and told me I had to do so by written request to another address. I refused to take it explaining I do not have to make a written request for their company to cease calling me. He kept stating that he was only trying to help me and asked me to take down a different address to cease. I declined, and told him I know my rights and I do not have to make a written request to your company to cease, and any further attempts to contact me will be harassment and a minimum 1k fine. I ended the call.
I asked him on numerous times if the call was recorded, and he stated it was. ( doubtful in my opinion ).

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Consumer Loan (Title loan) with TMX Finance LLC (TX).
Issue: Charged fees or interest I didn't expect

Complaint: in XX/XX/XXXX i received a auto title loan with Title Max its now XX/XX/XXXX and i am still oweing XXXX on a XXXX loan. this is my complaint, i have comprehensive coverage on my truck and i stated that to them when i received the loan in XX/XX/XXXX but what i have found out is the whole time i have been paying this loan every month never late, they have been add on charges for comprehensive coverage, that i already had and the only reason it come to light is a employee of title maxx brought this to my attention 2 months ago. 
Also because of all the refinances and the high insurance charges, [ when i already had insurance ] the loan cost me more than i expected. 
Also they refinanced the loan XXXX times, i had no ideal what they were doing, I took the loan in good faith, and paid every month, but they did not deal with me in good faith, by repeatedly making me a loans with terms that i could not afford to repay in full, Also last year I ask XXXX of the employees of tile max, could i just come by and make payments before my due date if i had extra money to bring down the loan, i was told no i had to wait until due date of loan, Also last month i told XXXX of the employees at title maxx about all the wrong things that was being done to me in my contract he said to me its to late, i can, t do anything about it now. 
I really need help because i was done wrongly can your company help me? 
also the lady that made the XXXX loan that got me started was fired last year, her and the whole staff for something that they were doing, i founded this out today XX/XX/XXXX. 
I really need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Consumer Loan (Installment loan) with Meridian Financial Services, Inc. (CA).
Issue: Managing the loan or lease

Complaint: It 's for a time share annual dues. The time share gave the debt because I forgot to pay back in XXXX when my credit card was stolen, which I reported. When IO finally got a reminder letter it had already been sent to collections around XXXX. Meridian Financial is the company collecting. The original debt was for about {$680.00}, Meridian wants me to pay {$1100.00}. The same person calls me, during working hours which I have asked him not to call during those times, and he states that he can not call me any other time to work out a payment plan or settlement. When I aske him not to call me during working hours he argues with me, that I should be able to take personal calls at work, and asked why I answered. I answered so that I could let him know that i need a call back after XXXX I believe my rights are being violated on XXXX fronts, I believe I 'm being overcharged for this {$680.00} debt, and calling during working hours, and harassing me at work. I have phone records for verification upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (TN).
Issue: Struggling to pay mortgage

Complaint: Submitted my financials and modification request to Shellpoint mortgage several times. I've retired because of bad health, my interest rate is adjusting out frequently and I'm on a fixed income I don't want to loose my home Shellpoint has been difficult to work with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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: I have tried for two years to get Trans Union to look into a creditor is has three duplicate charges on my credit report, the only thing that differs is the amount of interest charged.  There are three medical bills total that are ligitimate.  This bill collector posted six, as I said three of which are the same bill, different interest charge.  Not only have I not heard from Trans Union with 30 days,  I have not heard from Trans Union at all about my complaints.  There is also a new hard inquiry listed recently that I did not initiate.  The creditor is all the same company, XXXX —— XXXX.  I’m not sure of the last name.  It’s a company in Massachusettes that seem to deal only in medical bills.

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 07-08-2017 about Debt collection (Other debt) with EOS Holdings, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I never had a past debt with EOS CCA collection agency. I never recieved notification from the collection agency nor did I pay the collection agency. I had closed my XXXX XXXX account in XX/XX/XXXX. I begun a payment plan in XX/XX/XXXX and paid XXXX XXXX on XX/XX/XXXX the remaining bill owed which was taken out of my account on XX/XX/XXXX. On XX/XX/XXXX I recieved an email that my credit score had changed. I checked my credit report with XXXX, XXXX, and XXXX to find a collection from EOS CCA for XXXX XXXX. On XX/XX/XXXX I called XXXX XXXX at XXXX XXXX  pacific time and spoke to XXXX who confirmed I did not have any past debts with the company. XXXX stated she would contact the collection agency on Monday to inform them I do not have a balance and to remove collection. On XX/XX/XXXX at XXXX XXXX pacific time I called XXXX XXXX and spoke to XXXX who again confirmed I did not have a past due balance. XXXX informed me she would emailed collection agency that my account was not past due and to remove collection. I called the collection agency on XX/XX/XXXX at XXXX XXXX pacific time and spoke to XXXX XXXX who confirmed the collection had been removed as I did not have a balance. Informed XXXX that collection shows on credit report as paid when I did not have a balance or owed a past debt. In addition I did not pay the collection agency. XXXX confirmed they had removed collection and closed account and that it should have been deleted from credit report. XXXX suggests I contact credit bureaus to dispute false information still present. I called XXXX XXXX on XX/XX/XXXX at XXXX XXXX pacific time and spoke to XXXX. I explained my situation after she stated she would send a document stating I had satisfied payment and the date which it was paid. I had disputed EOS CCA collection account from XXXX and XXXX. The dispute was not investigated since the account was updated to paid. On XX/XX/XXXX I spoke to XXXX from XXXX XXXX and informed her that I had not recieved the document she promised in the mail. I gave my email and fax number for her to resend. On XX/XX/XXXX I checked email and fax and have not recieved any correspondence from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am a victim of identity theft. I have lots of inquires on my credit that I did not authorize nor did I know about. These inquiries are affecting my score in a negative way. I lost my wallet last year which had my drivers license, social security card in it. I have 2 credit cards one is XXXX XXXX and the other is old nave which I am a authorized user for the XXXX  XXXX. My score was in the 700 's now it is in the high 600 's. Remove these immediately! I do not own a home, I do not own a car. The inquires in dispute are : XXXX XXXX/XXXX Inquiry : XXXX XXXX, 2017 + Supermarkets XXXX/XXXX Inquiry : XXXX XXXX, 2017 +  Complete Dept. Stores XXXX Inquiry : XXXX XXXX, 2017 + Personal Loans Cos. 
XXXX XXXX Inquiry : XXXX XXXX, 2017 + All Banks XXXX Inquiry : XXXX XXXX, 2017 + National Credit Card Cos.

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