milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-12-2017 about Debt collection (Auto debt) with Frontline Asset Strategies, LLC (NY).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: On XXXX XXXX, 2017, creditor contacted a third party about a debt that is allegedly owed. Third party was not authorized to discuss details of this account. Information disclosed was a breach of privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (VA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I logged into my Citibank online account on   XXXX     and made an online payment for {$150.00}. My payment was due on   XX/XX/2017 .  On   XXXX     I noticed that they never removed the money from my checking account, so I logged into my account and saw that their website did not process my payment. So I made the payment immediately. Citibank charged me a late fee of {$25.00} on  XX/XX/2017.  I have requested that they remove this fee since it was an error on their website and I have never had a late payment before. They have refused to remove the fee even though I did log in and make the payment on  XX/XX/2017   . It is not my fault their website did not process it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/18/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Using a debit or ATM card

Complaint: I last physically used my card to travel from XXXX where my college is located to the XXXX on XXXX/XXXX/15, and since I was home I did not pay any mind to my card. To my knowledge it was in my bag, my mother drove me back to school and I was well occupied with my studies until the following friday morning I wanted to purchase something and my card was no where to be found. I called and the bank, Bank of America and they put a hold on my account, then I checked my bank statements and there has been irregular activities, and large amounts of money being deposited and withdrawed. I went to receive a new card at the bank, and soon after they closed my account due to fraud. I filed claims because there were a XXXX of dollars that were deposited and withdrawed that were never mine. I called costumer service for Bank of America and they told me I would be held responsible because the card was being used in the ATM, I am well aware that I am the only person that should know my pin but I did not make any of these transactions. I never authorized any of these transactions. There were also XXXX money orders that were deposited under my name and I have copies of these transactions mailed to my home. Since then I have been trying to resolve this problem with Bank of America and they have not been helping with the situation, they repeatedly just state that I am responsible to pay the negative balance on my account. Bank of America should be responsible for allowing these transactions because the money orders that were also deposited were for 22 cents and the person who is in possession of my card altered the amounts to XXXX of dollars.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (NV).
Issue: Unauthorized transactions/trans. issues

Complaint: On XXXX XXXX 2015 @ approx. XXXX pst, I went to the XXXX located on XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX for an ATM withdrawal. The ATM gave me an error message of " unable to process request '' and gave me XXXX options- try new transaction or give back card, knowing what my true balance was I knew this was a mistake so I opted to try new transaction and received the same message " unable to process request '', so I decided to press the " give back card '' option and go to the XXXX XXXX on XXXX XXXX XXXX XXXX XXXX , NV ( Note : My Bluebird American Express Prepaid Credit Card is through XXXX ). I went to the ATM machine at the XXXX XXXX and it was out of service so I then asked a XXXX employee if the Bluebird card allows me to do cash withdrawals at the XXXX XXXX, the XXXX employee stated yes, so I swiped my bluebird card on the keypad at the register and the XXXX employee asked how much I would like, I stated " XXXX '', the XXXX associate received an error message of unable to process transaction error message, so she asked me to swipe my card again, so I swiped my card per the XXXX associate request and received the same error message " unable to process the request '' so I asked can we do a balance inquiry, she said yes and balance inquiry stated I had XXXX, prior to going to the ATM I had just checked my account and had a balance of XXXX, so I went back to work since I was on my lunch hour, logged into my account and it showed I had a ATM withdrawal of XXXX on XXXX XXXX 2015 Transaction ID # XXXX, I grew very concerned with this information since I cane to work at XXXX and work nights and sleep during the day and I am VERY detailed and diligent with my finances, I contacted American Express at their Customer Service # ( XXXX ) and spoke with " XXXX '' at approx. XXXX PST on Tuesday XXXX XXXX 2015 who confirmed that they had showed in their system that the ATM did NOT give me the funds and that " I '' the customer would need to to write a letter to an address that she was going to provide ( which is also can be found at bluebird.com ) and American Express would investigate further. I then requested to speak with a supervisor who left me on hold for an obnoxious period of time which at that point I disconnected the call because I was at work and decided to file a complaint.

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. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: They mishandled my information, which puts me and millions of other people at risk. I also mentioned I am listed as a potential victim according to their XXXX website, and would like a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (MD).
Issue: Loan modification,collection,foreclosure

Complaint: After getting denied a loan modification and then denied a repayment plan, I applied for a short sale with Ocwen almost 2 years ago. Since then I have lost 3 buyers. I send Ocwen everything they request in a timely manner but they still call and email saying they need everything that has already been sent. Whenever I call, I get told something different every time. I 've been told it is approved then call back asking for the approval letter and told it is still under review. The files stay " in review '' for months. Whenever I ask for a manager I am told none are available but will call you back, yet I never receive a call back. They are forcing my property into foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Mortgage (Conventional home mortgage) with U.S. BANCORP (FL).
Issue: Trouble during payment process

Complaint: On XX/XX/XXXX, I paid off US Bank Mortgage XXXX in full. The escrow balance was {$1800.00}. On XX/XX/XXXX US Bank Mortgage debited my US Bank Checking account for a XX/XX/XXXX payment of {$1300.00}. I received a refund of {$1300.00} on XX/XX/XXXX but nothe the escrow refund of {$1800.00}. I made a call to customer service the week of XX/XX/XXXX and was told the US Bank would not issue a new check for the escrow for 30 days. According to the contract the escrow refund is due to me within 20 business days of the mortgage payoff. I again attempted to request an immediate refund of the escrow on XX/XX/XXXX via a call to customer service. The customer service agent and supervisor refused to initiate a refund of the escrow funds to me, citing it was their policy to not issue new checks for at least 30 days. Further it would take 10 or more days after the request was initiated before the check would be issued and sent and I would need to call on or after XX/XX/XXXX to make the request. 

In addition I have notified US Bank Mortgage Escalation Center of this issue by US mail and included a copy of this complaint.

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 10/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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 sent in notarized and certified mail to credit bureau in regards to incorrect information on my credit file. there are accounts that have been close since 2009 and is still report on my file and was update from some slimy collection agency in whom I have not went into contract with

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 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
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: Credit dispute was filed with Experian XX/XX/XXXX involving reporting by XXXX XXXX. Debt was paid in full XX/XX/XXXX receipts and proof of payment, plus court documents were furnished to Experian on date of dispute filing. On dispute outcome creditor still reported debt unpaid as of XX/XX/XXXX even though supporting documentation was provided to both credit agency ( Experian ) and creditor ( XXXX XXXX ). Inaccurate information allowed to remain even with supporting documentation.

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 03-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Greetings, My wife and I are so pleased that XXXX XXXX is now the Director of the CFPB. XXXX was a great Congressman for us in South Carolina and we know he will work hard to ensure the American People 's business is not compromised by these reporting companies that report so much inaccurate information on consumers. Our Credit Statements are terribly inaccurate! We have been trying to reach the credit reporting agencies to dispute the large number of inquiries that we didn't do with NO success as well as understand the many delinquent accounts on our credit that we know nothing about. All of our credit cards are up to date and our payment histories. This is having a huge barrier on our ability to purchase another home. PLEASE HELP!

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 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OK).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In XXXX The company let me know it is unable to respond because your complaint involves the same issues raised in pending or prior litigation. Here it in XXXX and the case is still being reported as Open and late on Payments. The company is XXXX. The have reported to the three credit bureaus antiquated informations on my name for the last seven years. They have stated that i have an education loan from XXXX and XXXX and reported that I have been late. The account was discharged in my bankruptcy for the school not being accredited. Every month XXXX is playing with my credit score, they will report it closed, then open, then up to date. This is causing a great deal of stress on me and I am in the process of filing a lawsuit.

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 04/15/2015 about Credit reporting () with Experian Information Solutions Inc. (VT).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I tried to receive my annual report and was unable to process it from experian, this is the same if I try to dispute an item. I believe they are trying to keep me out of my report. I can not speak with anyone as there is no customer service number. when I call the number listed is just a message about paying for a credit report. I have no issues accessing any other credit reports ( XXXX/XXXX ) I would like to know why they are keeping from viewing the information they hold about me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/20/2017 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (OH).
Issue: Managing the loan or lease

Complaint: I took out an installment loan XX/XX/2016 for {$1700.00}. They paid off the balance of my car which was {$600.00}. When I signed my final loan papers, my payback the was on the screen stated {$2600.00}. I was off sick XX/XX/XXXX and when I looked again, my total payment for this loan was {$4000.00}. I immediately contacted them and asked them why it went up so much and they said this was the original amount. I tried to pull up the original info I signed and it wa sno longer available. I asked them how could they possibly charge me almost {$3000.00} for a {$1700.00} loan?? The interest rate is almost 591.00 % which is ridiculous! But with loop holes being in the Ohio consumer loan process, they get away with predatory lending which this is. They offer a loan amount to those who have bad credit and then charge a high payback along with ridiculous interest rates and fees. My car was almost paid off and now I am back in the whole with a 10 year old care fore 3-4 more years.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (AZ).
Issue: Application, originator, mortgage broker

Complaint: I was working with Wells Fargo to see what rates they had for mortgages. I was working with XXXX XXXX and once I found out that they could n't go any lower than XXXX % down, I told him to stop the process. I thought it was stopped but then I got a call from XXXX XXXX asking if we wanted to continue with the loan. I texted her that I had told XXXX that we were n't interested any longer a while ago. Then I received a letter in the mail that they had carefully reviewed our application and that they were sorry they were n't able to approve our request for home financing. I was upset because we told them to stop the process multiple times. Even though the letter indicates it would n't affect our credit I want this rectified.

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 04-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX XXXX ran my credit and eveything that i disputed was back on my reports XXXX XXXX XXXX ran it for XXXX XXXX I was suppose to receive all XXXX reports I only receive XXXX I then called TransUnion and XXXX they wanted proof I sent proof again they wanted proof this has been going on the last three years. It makes my pre-approvals XXXX. i get a pre-approval then credit reports put dispute back on report after removing it. Help me please

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 10/24/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Closing on a mortgage

Complaint: On XXXX XXXX, XXXX we took out a loan in the amount of XXXX and signed a promissory note promising to repay the loan. Also, on XXXX XXXX, XXXX we signed a Deed of Trust that was to secure the lenders interest in the property, however, the notary did not notarize the deed of trust effective XXXX XXXX, XXXX and instead the document purports to be notarized on XXXX XXXX, XXXX which invalidates the deed of trust. Bank of America filed a foreclosure action based on the invalid deed of trust and a recent sale was held on XXXX XXXX, XXXX. Bank of America did not have a secured interest in the property due to the invalid deed of trust which was improperly notarized. Bank of America and any other party claiming to be the holder of a secured interest in the property should look in the see the attached deed of trust. I tried attaching a complete copy of the deed of trust to this complaint, but the file is too large. I have place a copy of the first XXXX pages of the deed of trust and a copy of the last page of the deed of trust which is the acknowledgement page which shows the inconsistent dates.

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 09-01-2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have disputed with the credit reporting agencies that they have not only my daughters addresses listed with my credit report, but also a woman who happens to have the exact same name as me. NOT THE SAME SOCIAL SECURITY NUMBERS. How can I have this information corrected? Because of this, there is a judgement against me for someone else, not my daughter, but someone else. I now can not get any credit for anything. This has been a long 25 or 30 years of identity theft!!! No one seems to give a XXXX. I am not going to pay someone elses debts!! I 'm XXXX XXXX XXXX!!! Can you help at all????

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (NJ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My issue is  with Synchrony Financial Services who are t he bank for several store card suc h as Walmart, Amazon,  Pep Boys and Care Credit, which are all cards I have. In  XXXX  and  XXXX , I had issues paying my bills and was either late or missed payments. I have since rectified the situation, brought all of the accounts current and have not missed payments. the card in question is t he Walmart card.  It had a {$2000.00} limit and a balance of {$350.00}. I received a letter on  XXXX   XXXX ,   XXXX   that my credit limit was being dropped to {$370.00} due to issues with my credit report. That left me with {$17.00} open to spend. When I contacted Walmart/Synchorny they could not explain why the drop was so significant. Because they dropped my limit, it now appears that I have over utilized the credit and I will continue to receive a low  credit score beca use I am now so close to the credit limit as well as have my credit limits decreased again due to the low score. This will be a cycle that will continue with Synchrony bank until they have decreased all of my limits bas ed on two months of trouble that has since been resolved. This is the second card managed by Synchrony   Bank where the credit limit has been decreased based on credit report. The report was provided by  XXXX  and the reasons listed were existing problems that had been on my credit report for years (  a discharged bankruptcy that is over 7 years old a nd a medical collection issue that is also several years old and is due to an insurance company changing benefit amount and leaving me with a large bill that I could n't not pay ), loan balances that are too high ( I have student loans and a loans that have always been paid, a re two years old or older, existed when I had my credit approved/increased with Synchrony Bank, never been in default, payments have always been current even during the two months I has issues and their balances have not increased so I do not understand that re ason ).   Walmart/Synchrony have been unhelpful, I have called customer service repeatedly, have been hung up on and yelled by their reps, been told they have no record of my call history regarding this or they just transfer me to the   XXXX   Credit Report order hotline when they tell me they are sending me to an accou nt specialist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Payday loan, title loan, or personal loan (Personal line of credit) with Harpeth Financial Services, LLC (TN).
Issue: Struggling to pay your loan

Complaint: Borrowed XXXX, owe XXXX while making payments. Will not set up payment plan or stop outrageous interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have disputed the XXXX inquiryy dated XX/XX/2016 and Equifax keeps responding stating that it is factual. I have a documented letter from XXXX stating that the inquiry should be deleted. This inquiry continues to lower my credit score. Equifax wastes no time reporting negative items, so what is taking them so long to delete this inquiry?

Company response to consumer: Closed with explanation