milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-06-2015 about Bank account or service (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Using a debit or ATM card

Complaint: I received a call from my bank asking me if I had used my debit card for a couple of transactions. I listened as they rattled off these transactions and one got my attention. It was from XXXX XXXX for {$19.00} and I told them no I did not authorize this transaction. So they deactivated my debit card, and after I hung up the phone I was curious if this was the first such charge. So I went through my bank statements and found that it was n't the first such transaction. It had been going on for about three months to the tune of over {$1000.00}. So I contacted the bank and disputed the charges, about a week later I got the funds placed in my account and was told the case was closed. Then almost two months later I received a letter stating that my son had a prior relationship with the XXXX store and since this was the case he must have made these purchases. I assured them that he did n't as I checked his XXXX and there were no games on there because he does n't buy games online, he likes to have the case and disc. So as I had closed out my account before they could take the funds out, they decided to accept my direct deposit anyway and took all the money back throwing my account into the negative because of this I was also charged several banking fees for transactions they paid knowing that I had no funds in my account to cover these charges. So now my account is almost - {$900.00} and I have changed banks. They have continued to pay bills and I was then told to get a police report to release the bank from responsibility. I did that and waited ten business days as I was told, then I called back and got the same answer. My son must have made the purchases. So I asked them for proof, and they said for me to contact the playstation store, which I had already done and they said they can not provide me with such information. I do n't understand if someone was spending almost {$100.00} a day on a website why the bank had n't contacted me earlier, and they said that is not their job. It is my job to keep track of what is going on with my account. I said so you are n't responsible in helping to cut down on fraud, and they said no that is my job. I am so angry that I have switched banks and will never go back to this bank, but I am still out over {$1000.00} with no explanation or apology or anything at all resembling how a business would handle such matters.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2015 about Debt collection (Non-federal student loan) with Williams & Fudge, Inc (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I went into default on my private students loans when I was given misinformation from the original debt holder of all my student loans, XXXX. I spoke to a XXXX representative during a period of time that I was filing Chapter XXXX bankruptcy and was told to hold off on all my student loan payment until the bankruptcy was completed. My loan payment included both federal and non-federal loans so that information was correct for my federal loans that transitioned back into repayment without any problems, but incorrect for my non-federal private loans that were sent into default. I did not receive any notice about the default until it was already sent to collection agencies. Once I was aware of the misinformation and resulting default I started to pay XXXX XXXX XXXX , XXXX, and XXXX XXXX XXXX XXXX, that took over my non-federal loans. I was making monthly money order payments to the collection agencies for over two years, however they did not provide me with receipts of payments. When I requested proof of receipt of payments, XXXX XXXX XXXX , XXXX gave me proof, but XXXX XXXX XXXX , XXXX did not provide me with any information. Since I was not sure they were receiving my money order payments I stopped making the monthly payments since I did not know for sure they were being received and credited properly. XXXX XXXX XXXX, XXXX, did not contact me for six months instead they transferred my debt to Williams and Fudge, Inc. The new collection company is now calling and sending me notices demanding payment. Furthermore, they have added unexplained additional charges added to my original debt.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2016 about Debt collection (Mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Nationstar is reporting and collecting to collect wrong amounts on Loan XXXX that was loan XXXX transferred from XXXX XXXX XXXX for servicing. 

The loan amount that was due at transfer was XXXX. 

Nationstar needs to delete the credit line from my credit report because there should be no collection activity on a loan that was closed on XX/XX/XXXX be the predecessor, XXXX XXXX XXXX, and reflects a zero balance. 

I 've attached the most recent update from XXXX XXXX XXXX referencing loan number on XXXX XXXX, 2016. The XXXX updates the aforementioned loan 's status. 

Nationstar need to correct the XXXX, XXXX, and XXXX report to reflect the same data as their predecessor, XXXX XXXX XXXX. 

There has been no activity on the account since the transfer to Nationstar ( ie no payments or payment agreements ). 

I am communicating via the CFPB because Nationstar 's collection Law firm ( XXXX XXXX XXXX ) will not return my calls. Therefore, communicating via the CFPB seems to be the most effective.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I am asking for a copy of the proceedings from your local court. If they can produce records that you filed for bankruptcy, If they can not find a match, ask them to issue an order to have the filing removed from your report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I cancelled services within the XXXX day period and was not soppose to be charged a cancellation fee at all.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Mortgage (FHA mortgage) with Stearns Ventures, LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My loan servicing company XXXX XXXX ( Stearns Lending ) is constantly increasing my monthly mortgage payments every few months. The reason for the increase is due to underpayment of escrow. I just do n't understand how my escrow account is short every few months and without explanation I am required to pay this amount. Soon thereafter, the payment decreases for a few months, then it increase again. This is ridiculous. Most people leave on a monthly budget and this makes it unfair to continue to fluctuate payments so frequently.

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 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Date : : XX/XX/2013 The actions were taken against me as if i was doing fraudulent activities with my account but Bank Of America, but the account was closed per BOA before because of BOA allowing someone on the inside of the bank to take money from my account.. So they basically told me to closed one account to open an whole new account so the problem could stop but it did n't stop there ... So i closed the account all together.,

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 02-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX  XXXX is reporting my XX/XX/2017 bill as 30 days late, however, the payment was not late. The bill was due on XX/XX/17 and was paid on XX/XX/17, which is 12 days. XXXX XXXX and Experian refuse to correct the issue.

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 05/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I incurred a charge off account with  XXXX , it was turned over to collections to  XXXX .This account is showing on my credit report as being open, it was closed in 2016.This company is adding interest in to this account, to increase the amount on my credit report to further damage my credit score. The beginning balance was approx. {$410.00}, they have increased it to {$590.00}, and added another {$48.00} to it recently.   I have filed a complaint with  XXXX , and nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (TX).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Because of relocation, I have to leave college for a couple of months, so I contacted my Lender Great Lakes to inform them about the situation. Since, I experience a dramatic reduction on my income, I express my interest about the Income Driven payment plan. At first, the representative mentioned several disadvantages about the program and implied that the income driven plans was not a good option. However, I made up my mind before I called them, so I reinstate my choice with the representative. He asked me some couple questions about my income and current employer and asked me to filled up and application, which have to include my last pay stub and Great Lakes application. I filled out the whole application and attach my most recent pay stub. Then, 15 days latter I got an email requesting a pay stub with my gross income, name, and social security as well. It is not company in the US that is going to reveal the entire social security number on a pay stub. Yet, it is a liability to reveal such a important information on a document, which is only for tax and verification purposes. At this time, I can not afford the regular payments, but Great Lakes do n't understand how the real world works. It seems like their main goal is to push borrowers into loan default. I called them already several times in order to resolve the situation. However, representatives over the phone do n't have any clue about a possible solution, nor it impossible to have a loan specialist called back.Indeed, these are illegal practices towards students.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (UT).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I am having multiple difficulties in re-paying my student loan. Its been 17+ years since I have completed my XXXX degree. At the time of graduation, finding a job proved to be difficult for a recent graduate without very much work experience. So, at that time, I had to request a forbearance on my student loans. I also went through phases in consolidating my loans to XXXX XXXX XXXX XXXX to  make the repayment process go smoother. Intermittently through out the last 17 years I have made payments on my student loan which initially amounted to $ XXXX. However, with all the forbearance actions I was not under the impression that my loan would be capitalized when I was applying for extensions due to the amount of the loan and the re-payment plans available. My loan amount has almost doubled at $ XXXX. So, as time went on I have taken advantage of the Public Student Loan Forgiveness Program since I have been working for the Federal Government for 17 years. My agency was not generous as what people might think about granting tuition assistance or re-paying their employee 's student loans as part of a recruiting and retention program. So, as I struggle to pay back the loans, the PSLF program has offered a way for me to complete. Anyways, what I did not know and felt deceived is the number of payments on my account that were not credited. My loan originated with the XXXX XXXX XXXX and was transferred to XXXX XXXX & XXXX. Only a portion ( 8 )  payments from XXXX within the last year before I applied to the PSLF program were accepted and counted against my PSLF from the past 15 years. I also did not realize that if you are one day late in making your payment, that payment is n't credited as well. So, with this I feel robbed that all the payments I have made are not being credited properly and therefore caused to make more payments than what is needed for forgiveness in this plan. As time goes on and with my limited income with the Government being politicized it feels that the struggle to make my student loan payment is worse. I have tried to work with my lender, the thing is I am hearing impaired and the preferred method of contact is by email. My lender 's customer service is not receptive and often times my inquiries are not being acknowledged for weeks or sometimes not at all.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I had XXXX credit card accounts that were charged-off because of a lack of employment. Nonetheless, I settled each of the XXXX accounts. Below are the details of the terms and conditions for each settlement. 

XXXX XXXX Account no. : XXXX I agreed and honored the terms and conditions to the settlement amount of {$650.00}. The payment was received and credited to my account on XX/XX/2016 ( confirmation no. : XXXX ). After submitting a request to investigate and update the accuracy of my credit reporting, all XXXX credit reporting agencies ( XXXX, XXXX, Experian and XXXX ) have yet to report that proper status for this account. More than thirty days has passed. 

XXXX XXXX XXXX : Account ending in XXXX : I agreed and honored the terms and conditions to the settlement amount of {$1400.00}. The payment was received and credited to my account on XX/XX/2016 ( confirmation no. : XXXX ). After submitting a request to investigate and update the accuracy of my credit reporting, all XXXX credit reporting agencies ( XXXX, XXXX, Experian and XXXX ) have yet to report that proper status for this account. More than thirty days has passed. 

XXXX XXXX : Account ending in XXXX : I agreed and honored the terms and conditions to the settlement amount of {$930.00}. The payment was received and credited to my account on XX/XX/2016 ( confirmation no. : XXXX ). After submitting a request to investigate and update the accuracy of my credit reporting, all XXXX credit reporting agencies ( XXXX, XXXX, Experian and XXXX ) have yet to report that proper status for this account. More than thirty days has passed.

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 01-06-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Midland Credit Management , Inc. ( Midland Credit ) is falsely misrepresenting the amount of alleged account XXXX, which is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

Midland Credit provided documentation that shows this alleged account as having a balance of {$1500.00} ( see attachment ). However, Midland Credit has been reporting this alleged account on my credit reports with a balance of {$2400.00}. Midland Credit has also made several attempts to collect the misrepresented amount ( see attachment ). 

Midland Credit has stated that they have added interest on this account. However, Midland Credit has not produced any documentation that legally allows them to charge interest as stated in the FDCPA. Midland Credit has not provided a complete transactional history as requested numerous time. Midland Credit has also failed to mention if the interest added was simple or compound, the rate, and the time for which the interest has been added. 

This alleged account is not complete and inaccurate. I have expressed this to the original creditor, XXXX XXXX XXXX, and they agreed to delete this tradeline from my credit reports. As of late, they have not reported this alleged account on my credit files. 

As per evidence presented above, Midland Credit is in violation of the FDCPA. I respectfully request that this tradeline be removed from my credit reports with all credit reporting agencies, including, but not limited to : XXXX, XXXX, XXXX, and XXXX. 

I greatly appreciate the Consumer Financial Protection Bureau 's time and attention to this matter. I would also like to thank Midland Credit for their cooperation and attentiveness to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was astonished once I viewed my XXXX, XXXX and XXXX credit reports and found that I was reported as having a late payment on the date below : 30 days past due as of XXXX 2016 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how  this occurred, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have spent hours on the phone with TransUnion because I can not access my credit report online. They send me back and forth from phone number to phone number. I 've jumped through all the hoops they 've put in front of me and still nothing. These people have huge amounts of power yet I am unable to even get my report to make sure the information is accurate. Where is the accountability? Please work with them to ensure that their product is actually accessible.

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 06/24/2017 about Debt collection (I do not know) with CAVALRY INVESTMENTS, LLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XX/XX/XXXX Called XXXX to request cosign verification, but they told me the account had been transferred to a new company. I called that company, and they told me the account had been transferred to a company called Cavalry Portfolio Services XX/XX/XXXX ( XXXX ) XXXX ext. XXXX ( Customer Relations ) Per phone call with Cavalry on XX/XX/XXXX, they placed order for Credit Application. They will send me the application as soon as they have it Cavalry provided me with the following info regarding the line of credit : o Credit Card Account for XXXX XXXX with XXXX XXXX Opened on XX/XX/XXXX Sold to Calvary on XX/XX/XXXX Balance as of XX/XX/XXXX : {$4300.00} XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XX/XX/XXXX Received letter with detailed account history as verification that the balance is correct, but this is not what I requested XX/XX/XXXX Sent letter to Cavalry requesting original agreement/credit application/any documentation proving I actually cosigned for this credit card XX/XX/XXXX Received second letter with detailed account history as verification that the balance is correct, but again, this is not what I requested XX/XX/XXXX Called Cavalry to request proof of cosign again, but they informed me they transferred the debt and all accompanying info to new firm called XXXX XXXX XXXX XXXX XXXX XXXX XXXX to request verification of cosign, but they said they do not have that information. All they have is proof of debt. I asked if they can tell me where the original agreement was started and signed ( store location ), but they said they dont have that information either. I told them Id like them to remove my name from the loan since no one can provide proof that I cosigned for it, and they replied saying they, Could make payment arrangements. I told them I wont make payment arrangements for a debt that is not mine. <P/>Todays Date : XX/XX/XXXX Letter Received : XX/XX/XXXX To Whom it May Concern, It is alleged that I cosigned for a credit card account for an individual named XXXX XXXX. I have not spoken to XXXX in years, and when I recently started receiving calls from debt collectors, I attempted to contact him. I have tried to call him, text him, email him, and even contact his mother in order to obtain accurate contact information. However, I have not been able to contact him, so I am hoping you are able to help me. I do not recall cosigning this credit line for him, so I am requesting a copy of the original agreement/contract/etc. with my signature as evidence that I signed. If you are unable to obtain a copy of an agreement with my signature, I am requesting to be removed from this credit line. Please send all mail to the following address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX You are also welcome to call me with any questions : ( XXXX ) XXXX Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (UT).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Walmart card services continues to report conflicting information between the XXXX credit agencies. They have independently verified reported Information, to XXXX, XXXX, & XXXX ; even though information reported to each credit reporting agency is incorrect, and/or conflicting. They report to XXXX that my date of XXXX delinquency for their Walmart credit account # XXXX is XXXX. They report to XXXX & XXXX that my date if XXXX delinquency is XXXX. AFTER REPEATED DISPUTES & COMPLAINTS, They respond with, " This account has been transferred. '' ********HOWEVER, the factoring company can not, fix the information reported by the original creditor!!!! THE ORIGINAL CREDITOR MUST DO THAT, or delete their account off of my credit reports!!!!! XXXX Note : Walmart credit services, the factoring company on this account can not change information that you have reported, YOU MUST DO THAT!!!!!!! Yes, ... YOU!!!!!!!!!

Company response to consumer: Closed with explanation