milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: XXXX   XXXX  did n't replying in a timely manner to my initial letters, or have they to date a fter 4 cert ified, mail request, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.     I made numerous goodwill attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting.   I kept a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, they still continued non-compliance of f ederal laws under the Fair Debt Collection Practices Act. I further remind them that they may be liable for your willful non-compliance, as per FDCPA 807. Fal se or misleading representations  [ 15 USC 1962e ] As t hey have violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other actio n ( or i n-action ) on their behalf has resulted in a small claims action against their company  in   XXXX   XXXX  .      As well they did not place on my credit report that I was disputing the account.     I also am filing lawsuit against  XXXX ,   XXXX    &  TransUnion for not investigating nor responding to me as well, and taking no action when  XXXX   XXXX  did not reply.

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 06-09-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Other fee

Complaint: I contacted Capital One about my credit card 's annual fee and what other cards I can get because the one I currently have does not seem worth it. It was assured that my annual fee would be fully waived/credited so I would not have to pay it to keep the card since they were not allowing me to upgrade to the no annual fee card that has the same exact benefits ( even though my credit score is in the range for that card ). My fee recently posted and they now are telling me all they can do is credit {$20.00} of the fee. I feel like I was scammed and this is a bait-and-switch. This is very unprofessional and I feel like I have no power since all representatives I called are not honoring their word.

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

Complaint: I was informed on XXXX XXXX, 2017 that Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. In response, I placed an initial 90 day fraud alert on my file. When I visited the Equifax website to see if I had been affected, I was informed that they had reason to believe my information may have been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Money transfers (Domestic (US) money transfer) with BBVA COMPASS FINANCIAL CORPORATION (ND).
Issue: Money was not available when promised

Complaint: I set up a new account with a company named Simple, I went through the process to start a wire transfer, confirmed the mirco test deposits as they requested. Then set a transfer from my old bank of {$500.00}. Set to deposit in my Simple account on Monday XXXX The money is not there and Simple refuses to tell me anything at all. They have demanded documentation including my social security number photo id and old bank statements from 2 months ago. They still refuse to give me any information they have hijacked my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
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: On XXXX/XXXX/XXXX, I made a purchase with XXXX for {$1200.00}. this purchase included a 3-night hotel stay and 4 airline tickets for a direct flight from XXXX, XXXX XXXX to XXXX XXXX, XXXX XXXX. I paid about {$150.00} more per ticket so that I would have a 50 minute direct flight due to my sisters medical condition. No one ever notified me about the cancelled direct flight. When I arrived to the airport they told me that my flight never existed. ( So I basically paid for an imaginary flight ) Then they told me that they notified me in XXXX. And rudely said sorry and offered me to send me out of state and then back to XXXX XXXX. Mind you I paid for a direct flight that was going to take 50 minutes. I spend hours waiting, and completely ruined my vacation trip and this flight that was supposed to take 50 minutes took 7 hours. I contacted XXXX and XXXX both gave me the run around and lied about the times they supposedly notified me of the cancelation. and rudely told me they could n't help me. I felt completely hopeless and contacted my credit card company since I felt confident they could help me. I have provided them with everything and all proof I have. They have closed my investigation and told me there is nothing they can do and to contact XXXX who never wanted to help me in the first place. I have provided them with all the proof, flight that was booked, new flight tickets that they gave me because they did provide me with a flight, but they never returned the extra money I paid for a direct flight. My argument here is that I paid extra for a direct flight and I did not get a direct flight. I paid extra for a 50 minute flight due to medical conditions and this was not honored. I want the difference I paid for the direct flight. At this point I appreciate any monetary help because {$1200.00} is a lot of money and I incurred medication expense costs because of the anxiety this brought to my sister for flying for 3 hours.

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 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Firstsource Advantage, LLC (MO).
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 contacted XXXX XXXX regarding them reporting a account that is over 10 years old on my credit report they could n't locate a account by my name or social security number or address. I disputed them reporting this account under my new bankruptcy in XXXX chapter XXXX. This debt should have been deleted a longtime before I filed bankruptcy but they added themselves as if this was a new or was due at the time of my bankruptcy. I asked then to remove it. I will not let this sit on my credit another 10 plus years .They verified this account being reported correctly XXXX/XXXX/XXXX but when I called them they had no information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NC).
Issue: Loan servicing, payments, escrow account

Complaint: Contacted by my my mortgage company, Nationstar Mortgage that I was eligible for a recast of mortgage due to paying HARP refi on time for 6 years back in XX/XX/XXXX. Since that time, I have been told repeatedly that all was in order. Then when I pay the new amount, they keep saying I am denied and owe more money. This has happened 3 times! What can I do?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GENERAL MOTORS FINANCIAL COMPANY, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have been sending my payments in on time, sometimes they come back as returned, i have setup autopay sometimes they discontinue it because of system errors, i have called in to make payments and they were never processed properly.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Debt collection (I do not know) with Merchants and Professional Bureau, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: These XXXX collections, all the reference number, just appeared on my credit reports. No notification, no letters. Just straight to my credit report by Merchants and Professional

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: XXXX XXXX, 2017 ( XXXX EDT ) : Equifax is not accepting credit freeze requests, online or by telephone. Online you get an error message ( System Currently Unavailable ) and you are told the same thing by telephone after working your way through their voicemail tree and entering identifying information ( SSN, ZIP Code, DOB ) using a telephone keypad.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Credit card () with JPMORGAN CHASE & CO. (WI).
Issue: APR or interest rate

Complaint: Several years ago I accepted a fixed rate for " life of the loan '' on a credit card issued by Washington Mutual. The rate was 3.99 % for several thousand dollars. 
The account was sold to JPMorgan Chase. They bumped the rate to 28.99 % for no reason. There has never been a late pay nor any derogatory action on my part. I called Chase and asked to speak to a manager. I wanted to know where it was written that if the account was sold my interest rate could change. She did n't know, neither would she help me. They could not produce a document I signed or agreed to permitting that interest change on sale of the account. 
I still owe about a {$1000.00}. years later. I was hoping your agency could help me retrieve the excess interest I have paid over the years. I was fortunate to have to money to pay, but this put many others into bankruptcy after Washington Mutual sold to Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: A company called Midland Funding is not providing me with validation that I owe them any money. They are reporting that I have an unpaid debt with them of {$520.00} but I have never done business with them and I have never received any letters or notices from them. The account number on my credit is : " XXXX ''. I only found out there was an account on my credit report when I checked my credit recently and it was pointed out that I had a collection. I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this company. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (AR).
Issue: Loan servicing, payments, escrow account

Complaint: My property was sold but I was no sent a letter. I spoke to someone and was advised the sale date was XX/XX/2017 however the property was sold on XX/XX/2017. I had submitted my file for modification review.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (CA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I believe I open XXXX inquires against Chase Credit Card XXXX is : XXXX and the other XXXX : XXXX. 
You agency put this XXXX complaints as a duplicate. 
I believe I asked your agency to ask Chase to stop any communication with me until they Proof a signed Card agreement. 
As the Letter I 'm attaching the copy of the letter dated XXXX XXXX 2016 also I 'm attaching the ongoing Monthly Statement Chase Trying to still collect these Illegal Late charges they still want to collect from me.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Consumer Loan (Vehicle loan) with CIG FINANCIAL LLC (CA).
Issue: Problems when you are unable to pay

Complaint: I have had horrible experience with CIG financial. First and foremost the employees are extremely rude and unprofessional. I receive calls, text messages, and emails with very demeaning remarks. They have contacted my family members, friends, and neighbors disclosing information about my account and threatening legal action and imprisonment. The employers and supervisors of my references have also been contacted and given information about my account. Even after contacting supervisors and general managers the problems continue. I have been humiliated and my references jobs have been jeopardized due to the harassing calls and personal issues being presented to the work place.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2016 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (PA).
Issue: Taking out the loan or lease

Complaint: A couple years after I noticed a car loan on my credit report that I never signed for. In the last 3 months I 've disputed this account multiple times and can provide certified copies if needed and nothing has happened. I just keep getting " verified new information below ''. I found your site from a friend that had similar experiences with the credit bureaus. I want this item off of my credit reports immediately. They are seriously affecting my credit score.

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 11-10-2016 about Bank account or service (Checking account) with KEYCORP (OR).
Issue: Problems caused by my funds being low

Complaint: My bank charged my account an overdraft fee, which I believe I did. But they are saying on the same day, I incurred another overdraft fee on another purchase. But I did not. I was constantly checking my account that day as I was XXXX shopping online, and it kept showing what purchases had cleared my account. One showed cleared on the XXXX, but was not processed through them till the XXXX, so in fact, they held the process, that had already showed cleared my bank, and posted it at the moment my bank was overdrafted-which of course caused another overdraft fee. I immediately deposited enough to cover the fees my bank charged me. So yesterday my account showed positive XXXX dollars, and this morning it shows they processed another item to show the process date-again at the time I was overdrafted. It is like they chose the exact time, I was overdraft to process XXXX items, when I saw those items had cleared days before, now it shows those same items clearing on the exact date I overdrafted by XXXX dollars. So that XXXX dollars has now costs me XXXX overdraft fees of XXXX {$110.00}, for one overdraft. My complaint is, I did not make further purchases starting on the XXXX, until I saw they came through my acccount. So it comes through my account, but then they formally process it at the time I was overdrafted. I can not believe they can do this. yesterday I looked at my account and saw a XXXX purchase was posted on the XXXX. Now that same purchase has a post date of the XXXX. I put XXXX dollars in my account on the XXXX to cover my overdraft. They posted that same purchase again posted on the XXXX, the day I overdrafted, which gave them the right to charge me a fee again. They are clearing things one day, then moving it and posting it another day to suit them. I check my account everyday. Yesterday I was positive, this morning I have another overdraft fee????? Because they again moved another post date.of purchases. I asked them to remove the last fee, as it absolutely was not overdrafted, they told me they could only remove one fee a year. What??? The fee they charged last time, was also their fault. Can they keep clearing and then re-posting purchases to cause overdraft fees, and then say, well sorry we have already removed one this year. I am a single mom, and every penny is important to me, and now they have made an XXXX dollar mistake, into XXXX cost to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/22/2016 about Debt collection (Medical) with GOLD KEY CREDIT, INC. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is a physician 's bill that resulted from a visit, for my daughter, to the emergency department. I provided insurance information to the hospital billing department for processing and assumed this bill had been taken care of. In XXXX, an account from Gold Key Credit Services appeared on my credit report and I immediately called the company to inquire about the debt. Gold Key stated that the original creditor was never provided with the insurance information for billing from the hospital and was never able to collect payment. I did provide Gold Key with the necessary insurance information via fax on XX/XX/2016 to fax number XXXX for the bill to be sent back to the original creditor and submitted to the insurance for payment. The insurance is Michigan XXXX therefore the bill will be paid at 100 % - It has been over 60 days and the account is still showing on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-03-2017 about Mortgage (Other type of mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Struggling to pay mortgage

Complaint: XXXX XXXX XXXX & XXXX XXXX account XXXX. Address is XXXX XXXX XXXX XXXX XXXX  TXXXXXand the social security or XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Debt collection (Credit card) with Northeast Recovery Solutions, LLC (KS).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: After repeatedly attempts of me telling them no. I ca n't make out start a payment today, I got transferred to the manager on duty. Right of the bat she spoke to me as an inferior. She would ask questions while taking but not stopping to give me a chance to answer. When she did stop I would start to answer the first party of get questions then she would start back up and start taking over me talking. I asked her to let me answer and she would just keep talking over me and not let me get one word in. I was getting really frustrated. I mentioned I was thinking about filling bankruptcy, she accused me of lying and she said she sees no record of me following filling in my county, as I try to explain that I have n't filled, she starts again talking over me. I then had to start talking over her so that she could understand what I am going through. She stopped talking and told me that she can tell by the way I am on the phone why I am the type of person that is in collections, and owe purple money. I told her she insulted me. She did n't offer an apology, I asked her at least 4 times to not contact me and that I ca n't pay at this time. She then just hung up on me!

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Mortgage (Conventional home mortgage) with FREEDOM MORTGAGE COMPANY (NC).
Issue: Trouble during payment process

Complaint: Freedom Mortgage is reporting a payment as late on my credit report. In this circumstance, they do not allow 24/7 payments to be made. Therefore this payment was not 30 days late by choice, but by the fact that their system, because there was a holiday following the last day of the month, did not allow any online or phone payments to be made. This was actually due to a payment shortage of {$30.00} that prevented any part of this payment from being applied to my account, and outstanding payment. In observance of the fact that you did not have any available payments methods available to correct this shortage 24/7, we made multiple attempts to do this online but your system would fail to process it, and there were no phone representatives available, and your automated system would not take the payment either, even when trying to pay a full months payment extra to resolve a {$37.00} shortage. This payment shortage was due to you changing the mortgage payment amount twice within a 60 day period. Our escrow portion of our payment increased by {$5.00} one month, and then by {$37.00} the following month. On the next business day that your system was available to process this payment it was made in full, and the following months payment was made on the same day as well. No phone calls were made to point out the shortage in the payment that was made. The payments were on an autopay, but the increase in escrow was not notified in advance of the payment increase, and this was the first payment after the increase in payment. Also, the previous payment amount which was {$37.00} short, made on time, was not credited in the amount paid when received which was a violation. It was held in an unaccounted for account, but not applied to principal or interest or escrow etc. Also since your business had no ability to accept a payment on day 30 or 31, then the following business day that you would accept payments was when our shortage was corrected. This does not constitue a 30 day late, if there is no way to make a payment the day before the payment is late due to your business being closed for a holiday. See attached image where your system was unable to take a payment due to a holiday. Also, the following months payment could not be due on XX/XX/XXXX when that was a holiday, and your offices for also processing and receiving payments are closed with no method to post or initiate a payment. Also, our escrow account was negative due to a shortage from over 12 months prior, that they failed to average out, or to ask to be paid to put our account on pace to maintain our payment. See the statement where payment was sent in, but not applied at all to account.

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