milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I received a Home Depot credit card statement for my card at XXXX XXXX this morning, Thursday XXXX  XXXX,2017 informing me of an interest charge of {$240.00} on a balance of {$690.00}. 
The company handling the card for Home depot is XXXX XXXX XXXX XXXX, a Federally regulated institution. The only address they gave me is XXXX. XXXX XXXX - XXXX - TN XXXX. 
I offered to pay the {$690.00} right away but they refused, arguing I had benefited from a previous forgiveness of interests in similar circumstances. 
I argued that they should have given me earlier notice and they said I had received their regular statements. They stated that their interest amounts to $ 25.99 % but of course {$240.00} for {$690.00} balance is way more than that. It is a trick to charge usury interests and this is why I file this complaint. 
I am asking that they forget the {$240.00} if I pay the balance right away and be timely advised of their agreement.

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 05/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: My wife had insurance with XXXX XXXX and she let it lapsed due to the expense of this insurance. My name was on the policy due to she had to list everyone in the residence that had a drivers license and drive. I sent a validation letter to Credit Collection services to verify this debt. On XXXX/XXXX/2015 I received the attached note, stating they had spoken with the creditor and they said it was my account. As you can see by the attached file this is not a violation but the refusal to send documentation verifying this debt. The Actual policy was created and was my wife policy.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Debt collection (I do not know) with Western Portfolio Assets (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Received an unblocked phone call and as left on my voicemail in regards to my son - they stated he had a warrant out for his XXXX. they need to process serve him in regards to a court summons in XXXX county and left a phone # XXXX XXXX XXXX with a case # XXXX - I called back, told them I was his mother and they left a voicemail for my son. I asked who they worked for and what was this about. and they refused to tellme who they work for. all I got out of them they were working a FRAUD case that there was a credit card taken out in my son 's name. I told him I will have him file apolice report because he barely turned XXXX they hung up on me. I called them back, he then accused me of opening a credit card in my son 's name, I asked for the original information and he refused. then he insulted meand called me names. I told him not to call my number again. - I asked for his manager another man came on phone and he refused his name or who he worked for.

Company response to consumer: Closed
Consumer complaint received 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: The XXXX XXXX XXXX XXXX XXXX is not reporting on a monthly basis they are behind about a month in reporting my current balance to the 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 09/28/2017 about Checking or savings account (CD (Certificate of Deposit)) with BANK OF AMERICA, NATIONAL ASSOCIATION (NH).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: I am the administrator of an Estate, and am trying to close out multiple accounts with Bank of America so that the funds can be transferred to the Estate. I first went into a local Bank of America and provided the bank with the necessary documents to close out the account on XX/XX/XXXX. We were told that we had to use the Bank 's letter of instruction to close out the account, which we first requested on XX/XX/XXXX. When it was not received, we requested it again on XX/XX/XXXX. When the form was finally received, we filled it out and promptly returned it. Additional documentation was requested by Bank of America, the last of which was provided by fax on XX/XX/XXXX. When we checked in, we were told that the information was uploaded on XX/XX/XXXX and appeared to be in process. When we called today, XX/XX/XXXX, we were informed that information that we have provided has still not been reviewed, and that even with an  escalation request, we can not expect any movement on the processing of the funds for another 5-7 days. It is now over nine weeks since we first requested that the funds be provided to the Estate, with no clear expectation of when we can expect that the money will be received. The Estate has bills that need to be paid, and can not do so because of the significant delay in the release of the funds to the Estate.

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 05/20/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This Collection agency Company  XXXX   XXXX  has failed to provide proper verification of the accou nt they brought from Walmart/ Synchrony Bank/Walmart.  This company has not and could not provide in formation like documents bearing my signature that I owe ( {$540.00} )  to them or to any company. I want signed documentations from this company saying that I owe the amount they are trying to collect. I have written letters to  XXXX   XXXX  about providing proof of documentation bearing my signature that the account belongs to me. They said the account was sold to this company  XXXX   XXXX . Dont matter the original creditor have the same account number as the collection a gency. Synchrony and   XXXX   XXXX  different companies have on my credit report. I feel they are trying to be smart by having the same account number unde r two different companies on my credit report which neither provided proof of documentation bearing my signature stating that I owe ( {$540.00} ) then al l files under my name and my social security number on my credit report should be deleted. I remind you that a person looking at the computer with this account number with my name to it doesnt prove that I had signed any documentation that I owe the account. I have not signed any forms claiming the account. I also had  XXXX ,  XXXX , and   XXXX    to investigate this company/companies, and all they have done was let a person verify the account number with my name to it over the phone instead of telling them to fax signed documentation bearing my signature associate with the account number. That is not prove that this account belongs to me. I want documentation bearing my signature that I have signed to owing this account. If this company/companies can not provide or validate that information that I am requesting, then it should be deleted from my credit report. A person or person should be able to provide and validate documentations bearing my signature associate with the account. I am willing to go to a small claim court In my state and city to clear this matter up with this company. I want validation of this account bearing my signature. Any copies of documentation is requested and if not then the entry on my credit report should be deleted immediately. I will be suing the company if no validation is proven bearing my signature  for ( {$5000.00} ) in damages 1 ) defamation 2 ) negligent enablement of identity fraud 3 ) violation of the FCRA

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 05/27/2015 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: it was a work related incident where I worked for a company XXXX and some wires where pulled down and the work place and the electric company wherein dispute as to who 's financial responsibility it was. the electric company wasnot getting results and decided to bill me personally. an XXXX bill. which wedid not pay and it was sent to collections. we sent it to the work lawyers and they said they would take care of it. it was paid a XXXX which I was unaware of tillnow when I applied for a mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I 'm having issues getting results for my disputes i have called the credit bureaus numerous of times and they are refusing to help me every time i contact the credit bureau in regarding my disputes they give me the run around for ex. i called and asked for my results because it has been over 30 days the rep states it came back verified i asked for proof of the verification then the rep tell me that its still under investigation they refuse to provide me with the proof of the so called verification they give me different dates that i have called and disputed

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 05-04-2017 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: Public record information inaccurate

Complaint: So, this time I applied online for a loan with  XXXX . I was denied based on MOSTLY THE SAME  XXXX  THAT STILL NEEDS TO BE REMOVED, PER MY PREVIOUS COMPLAINTS, however this time SURPRISE - Now I apparently have a Bankruptcy on my Credit Report.     REALLY!?     I have never filed nor have I had any bankruptcy on my reports, filed, dismissed or otherwise. EVER!     Now, suddenly I have one? Yet I go to  XXXX  website, where I have any account, and guess what? There is nothing showing there!!      XXXX ?     I DEMAND THAT ALL MY INFORMATION BE RE-VERIFIED AND MY SCORES BE RESET TO WHERE THEY SHOULD BE!!     HEY CFPB, DO YOU ACTUALLY WANT TO DO YOUR JOBS AND MAKE SURE THAT THIS  XXXX  IS FINALLY TAKEN CARE OF????

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I am requesting that EXPERIAN immediately delete the address listed on my credit file as reported and previously listed on the EXPERIAN Credit File as : XXXX XXXX XXXX XXXX, XXXX, WA XXXX. Address indentification number : XXXX, Single family XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/21/2015 about Debt collection (Mortgage) with OCWEN LOAN SERVICING LLC (HI).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: Ocwen, for over a year, stated that I was not eligible for a loan modification because my property " is being marketed for sale '' after foreclosure. This was false. In Hawaii, the Court must approve any sale, and this has not happened, although a Summary Judgment was granted. When Ocwen reversed this statement, I applied for modification, for the fifth time. As of XXXX XXXX, 2015, I had complied with all conditions. ( see attached ) Then, Ocwen demanded a final condition on XXXX XXXX, 2015 : a deed from a co-borrower. I complied. ( see attached ) No modification has been received. In fact, we have yet to be denied. We have satisfied all conditions. We have been deemed eligible. Ocwen now says we must resubmit. Several of the letters received were given only after our attorney called Ocwen to ask for them. Then, they were dated a month before, yet never sent to us. Ocwen 's attorney now wants to confirm the sale of our home, because we are not " under review. '' We are getting the runaround all over again. And we have back-dated letters, claimed to have been sent to us when they were not.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I have tried to obtain a copy of my free annual credit report. Equifax is refusing to send me a copy. I ordered it 6 month ago and have not received it.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Debt collection (Medical) with Mountain Land Collections, Inc. (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been contacted by Mountain Land Collections and the offices of XXXX XXXX XXXX multiple times in the past regarding a medical debt that is not mine. The first time they sent me information regarding the debt I properly addressed a dispute letter to them asking them to validate the debt. I never heard from them. They did not send me validation of the debt but they did add the debt to my credit report. I have recently drafted letters to each of the credit bureaus, an example of XXXX which is attached, making them aware the debt is not valid and to remove it from my report. Most recently, this company, along with filed a judgment against me for the debt and served me at my home.I did as instructed and responded to the suit with a defendant answer denying the suit because they did not validate the debt. After this, XXXX XXXX XXXX 's office contacted me to set up a payment plan. I informed them that I was not refusing to pay the debt, simply requesting validation of the debt. They have still not provided me with this and they have unlawfully charged my credit card for {$100.00} for the first payment in their plan that I did not consent to. I am disputing the credit card charge with my credit union and a copy of that is also attached.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (MN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I was previously a customer of XXXX. I cancelled my account and paid the final amount due in full, but an additional amount was reported to collections. XXXX claimed I had XXXX digital set top boxes, and did n't return XXXX of them. At the time, I lived in a XXXX, and definitely did not have a need for or possess more than one cable box. 

When I received a notice from the debt collection agency XXXX referred the bill to, Southwest Credit Systems, I requested that the debt be validated XXXX days after their initial contact. They did not respond, and have not responded to repeated requests to validate this debt. I 've filed disputes with the credit bureaus, but each time they claim the debt is valid based on information that Southwest Credit Systems supplies to them, but has never provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Mortgage (VA mortgage) with OCWEN LOAN SERVICING LLC (MT).
Issue: Loan servicing, payments, escrow account

Complaint: 1. We were misled to believe that when making Biweekly payments the money we paid early would apply to principal, thus lowering our balance sooner due to the compounded effect of paying principal early. Instead, Ocwen simply pocketed the early payments and did not apply them to anything, using our money for free. 

2. We asked to cancel our Escrow account because OCWEN raised our payment to escrow when we did not have any change in taxes or insurance, and would not explan why they kept increasing the escrow payment. Ocwen responded that our loan to value was not high enough ( 75 % or less LTV ) they used the purchase price of our home that we paid in 2008 in the worst time in the market. We called their consumer ombudsperson and asked if there was a way to recalculate the value of the home based on the many repairs we have done, and the market improvement since then. They have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: When I checked my credit report through XXXX few days ago there were XXXX hard inquire deleted then couples days later those inquires are added again.I think that is not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Payday loan, title loan, or personal loan (Installment loan) with Enova International, Inc. (CA).
Issue: Getting the loan

Complaint: I hated when you have go through the whole application and get nothing at the end but a hole lot of XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2016 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (AR).
Issue: Problems when you are unable to pay

Complaint: I made a payment arrangement with my loan company. There was a tow truck driver sent to repo the vehicle after that was done. I made the arranged payment and gave him the conformation. He said ok pulled his truck away from my vehicle and allowed my husband to proceed to leave with the vehicle. He then stayed in my driveway and when I went out to check he yelled that my payment was no good. When I tried to show him the confirmation he put his hand in my face and said " I am done with you '' he then ran to his truck while yelling " I am having your husband arrested for grand theft auto ''. He proceeded to contact the XXXX County Sheriff 's Department. While he walked got in his truck I contacted the finance company to confirm the payment was received. The Sheriff 's Deputy arrived and advised me that the driver had called to report that my husband endangered him by " driving the vehicle off the forks of his truck '' and claimed that there was a domestic disturbance occurring. All of which was false. After explaining the situation to the officer with the loan company, Credit Acceptance, on the phone. I was advised that they could not force me to surrender my vehicle without a court order and the driver was removed from the area.

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 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: i recently sent experian two documents reguarding an account on my credit report via certified mail, i also sent a photo id and a social security card..both documents were very clear in detail, one which under federal law and spelled out very clearly was basically not honored or reviewed, as an employee lied to me about what i requested..i sent a method of verification letter which clearly stated the account i was inquiring about, which states under FCRA 611 ( a ) ( 7 ) that i have the right to receive the documents that they have used to verify the account was mine, within 15 days.the agent i spoke to told me that they dont have any documentation about the account and that they arent required to send it to me.so experian sent me a letter stating that they couldnt honor my request based on the limited amount of information regarding my dispute when clearly in the heading of my method of verification letter that they received it states the name of the account that i am inquiring about.

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 03-02-2018 about Vehicle loan or lease (Loan) with AMERICAN HONDA FINANCE CORP (NJ).
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint: I have purchased and leased 4 vehicles with Honda Financial and at lease termination I would purchase the vehicle. I sent my monthly payments as contracted and never paid late or missed a payment. As I was now at the end of my 4th lease year, and I decided to make an extra payment. I clearly stated that I wanted the extra payments to go to principle. Honda even made me verfity this with a second phone call. However, I was not given a new amortization chart because of the additional payments. So I thought it was an error. I called the company and was informed that they would not change the interest that I was to pay on the loan even though I paid in in advance. I could however take a month off or miss a payment month. I think that was illegal. To add insult to injury, they acted like I was too XXXX to know what I was talking about. So I requested a supervisor and was told that I had to wait for someone to call me back, and that it could take 24-48 hours..I wanted them to lower the payoff amount by the princple balance, not by they contract interest they prepared 5 years ago/ Isn't that illegal? don't I have the right to get a fair deal? Are they taking advantage of an ederly person? 

When they finally called me back, they informed me that they would record my call, but when I also informed them that I would also record the call, they told me they did not agree and promptly hung up on me. Why? What are they afraid of or lying about?

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

Complaint: I was one of the MANY US citizens who has had their personal information stolen ( name, address, SS #, DL # ) during the Equifax security breach. 

Due to the negligence of Equifax, my most valuable personal information is now freely available to any who would wish to utilize it. 

This is completely unacceptable. I have never even used Equifax 's credit services before. I feel violated, unsafe, and have had to spend the entire day proofing my financials due to an incalculable misstep of an ignorant company and its crooked executives. 

Equifax needs to pay, in every sense of the word, for their incompetence in the face cyber crime.

Company response to consumer: Closed with explanation