milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-10-2017 about Debt collection (Other debt) with Debt Recovery Solutions, LLC (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Ten or more years ago, I disputed the last {$190.00} payment to XXXX on my account. Recently, this old and uncollectible disputed debt was given to a collection agency in New York. They reported it as only four years old, and as a new collection account only one month old on my credit bureaus. My credit score has suffered terribly because of this illegal act. I have disputed these entries accuracy with XXXX and XXXX XXXX, but the collections company told them it is a legitimate debt that it should be reports as it is. There is no way that they have any proof that this is a recent debt, because it is not, and should not have been put on my credit bureaus. I believe this collections agency has done this illegal act to harm me and get be to pay it. The lawbreaker/tortfeasor is : Debt Recovery Solutions , LLC, XXXX XXXX XXXX, XXXX, NY, XXXX, ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: At the time of this visit to the hospital I was fully insured. I was not made aware that this doctor was NOT a regular on staff physician for XXXX XXXX XXXX and would send a separate bill for his services. My insurance has a binding agreement with this hospital for charges and this charge far exceeded that agreement. I am NOT responsible for these charges. 
XXXX such as this should be made to function under the agreed upon charges as stated in the contract with my medical insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2018 about Mortgage (Conventional home mortgage) with SANTANDER BANK, NATIONAL ASSOCIATION (MA).
Issue: Struggling to pay mortgage

Complaint: After Santander bank filed for petition to foreclose my house, I received a call from XXXX that assured me that they can modify my loan and charged me around {$4000.00}. 
Now I have a notice of foreclosure in my hands. Santander is playing games by asking to supply them by some minor information or more recent pay stubs, by the time they receive the info they trash the whole stack of papers that I already sent by saying it has been over 2 months. 
They did this to me, also to XXXX twice

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 07/14/2016 about Payday loan () with Big Picture Loans, LLC (IN).
Issue: Charged fees or interest I didn't expect

Complaint: First of all, when I hit the icon " Submit '', I did n't see the fee/interest until afterward. I received only {$400.00} and the payment was on the wrong day on purpose. They took the payment on the second Friday and I get pay three days later of the first week. The worst part of this is 866.8124 % annual percentage rate. If I has seen this, I would have never hit the word " Submit ''. I was so shock I was saw this. What I did saw was {$540.00} to pay back. When they set up the payment date ahead of the beginning of my new biweekly wage, I had a hard paying all {$540.00}. It hit me that they did it on purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (IL).
Issue: Managing the loan or lease

Complaint: I am writing to dispute Santander Auto Loan. This account was never late. On XX/XX/2015, I sent a cashier 's check to the lien holder. In the memo line showed this was 12 months of car payments. The lien holder is now noting my account as being late. Which it has never been late. I have attempted for Santander to delete this account as it has never been late, but yet they refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Debt collection (I do not know) with Credit Plus Inc (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have a hard inquiry on my XXXX Credit Report by CREDIT PLUS. I do n't recall requesting Credit from Credit Plus.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Credit card () with CITIBANK, N.A. (OR).
Issue: Credit line increase/decrease

Complaint: I requested a credit line increase on my Sears Mastercard and was declined. The reasons they gave were " unsatisfactory credit and/or derogatory public record references ''. I immediately pulled all XXXX credit bureaus to see what could possibly be reporting negatively. EVERYTHING is reporting paid as agreed or no lates wth the exception of XXXX X 30 days late XX/XX/2012. that was 4 1/2 years ago and should not be a reason to decline credit. There is not any public records at all. I feel they are discriminating against me because I am a single woman in her XXXX 's. If they have a more legitimate reason for declining an increase in my account that i have a perfect rating with them, then they need to let me know. Thank you

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 06/22/2017 about Checking or savings account (Checking account) with ARVEST BANK GROUP, INC. (AR).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: The bank takes several days to share updated checking account balance with activehours.com.

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have contacted Transunion and spoke to a supervisor name XXXX XXXX. I explained that I contacted XXXX XXXX and wrote letter several times disputing the numerous inquires on my Transunion credit report. XXXX did not respond as I think someone was trying to defraud me. I put a freeze on my Transunion to account to protect my identity. The Transunion reps were extremely disrespectful, as they told me they dont believe this can happen after one year. I am requesting assistance in having these fraudulent inquiries removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2015 about Debt collection (I do not know) with NRA Group, LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The company XXXX XXXX XXXX is trying to collect money for items I never received and never requested. I had filed a claim with the FTC and they told me I was not liable and to write a Cease and Desist lette, which I did. They stopped harassing me until now. I received a request for payment from National Recovery Agency requesting the money. I called them to complain and now am writing to you to protect my excellant credit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-02-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: The school I went to was XXXX XXXX XXXX and they closed all of their North American schools due to false claims and wrongfully higher loans with XXXX XXXX. I have over XXXX dollars in student loan debt and non of my credits for my XXXX can be transferred to any school. This was a scam and they should be ashamed of lying to their students.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: please help me my mortgage company approved for a loan modification however i noticed that my original loan balance was {$390000.00}. Now as of today i received the final modification agreement stating that my loan amount is {$390000.00} and they also adding {$280000.00}. for no reason. 
Bank of America is trying to take advantage of me and my family. We called Bank of America seeking help due to our hardship and it is not fair that because our hardship Bank of America is taking advantage. 


PLEASE HELP!!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with FIFTH THIRD FINANCIAL CORPORATION (FL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: Fifth Third Bank offered me a balance transfer offer that included a 3 % balance transfer fee and 12 months of 0 % APR. I was given a check to use to take advantage of the balance transfer offer. The check expired   XXXX    XXXX , 2017. I issued the check to another creditor to resolve a balance before the check expiration date. Fifth Third Bank claims the check was processed by the other creditor after   XXXX    XXXX , 2017. They did not offer me the balance transfer offer and ultimately charged me a 4 % balance transfer fee and standard 19 % interest charges on the balance transferred to my account, resulting in {$250.00} in interest. I have a credit score of over  XXXX  and earn enough to pay off the entire balance. I would n't have taken their offer if the marketing was clear and I knew they would make every attempt to postpone the processing of their balance transfer offer check.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-08-2017 about Debt collection (I do not know) with EOS Holdings, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: **This is no t a Duplicate Complaint. Fo llow up from  Complaint #  XXXX ** There is no need place an " Cease to communic ate '' on this account your claiming is mine, but a Cease reporting a frivolous collection towards my name. The aforementioned credit collection agency representing whoever your " client '' is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files :   XXXX   XXXX   and  XXXX . The business is required to disclose to me all of the documents that they have recorded an d retained in their files that pertains to this " debt ''. If EOS CCA d oes not have any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to pa y )  they need to retract this from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I previously filed a complaint with CFPB about a State Lien being reported on my credit that is not mine and I had gotten a letter from the courthouse that said I do not have a lien in that amount, with my social security number and my address of XXXX SC XXXX. I diputed with Transunion and they did not delete. I then sent a Method Of Verification that by law needs to be returned in 15 days and all I received was a letter talking about disputes but not showing any method of how it was disputed. I am trying to buy a house and they have ruined my credit. They have violated the credit reporting act by not reporting who gave them these results as the courthouse did not

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 11-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (IL).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I opened a XXXX AMEX card inXX/XX/XXXX. I was told I would receive XXXX XXXX points after meeting a minimum spend requirement, which I met shortly after opening the card. I have not yet received these points. I have reached out to American Express on numerous occasions sinceXX/XX/XXXXand have been repeatedly told that the points will post " soon ''. I 'm tired of waiting. They are aware that this is a problem but are doing nothing about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/22/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CO).
Issue: Account opening, closing, or management

Complaint: Well Fargo and it 's " agents '' have been HARASSING me for almost XXXX YEARS now. Several months after closing a checking account in early XX/XX/2004, I received a letter saying I owed XXXX nearly {$400.00}, but NO explanation of why. I demanded to know WHY they suddenly decided I owed them a bunch of money, and demanded a breakdown of the charges. They never sent another word, just sent it straight to collection. Since that time it 's been " sold '' to more agencies than I care to count. Lately people from XXXX have been calling XXXX times XXXX, including Sundays starting at XXXX local time and sometimes not stopping until after XXXX. Most of the time they hang up after just XXXX ring, or no one is there when answered, but when they DO answer, they refuse to tell you who they are until you give a bunch of information.

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
Consumer complaint received 08/24/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Billing disputes

Complaint: I agreed on a settlement amount to settle a credit card debt and paid it in full. Capital One has not reported it as Settled in Full ( SIF ) and instead left the remaining balance showing I still have bad debt. I have requested a paid in full or SIF letter from them multiple times and also sent them proof I paid the payments as requested along with a copy of the settlement agreement letter and they refuse to respond. This needs to show settled in full on my credit report instead of showing I owe an open balance still. And they also need to verify the account number on all reports is accurate because it is NOT showing correctly on all XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/23/2016 about Mortgage (Conventional fixed mortgage) with Northwest Trustee Services, Inc. (WA).
Issue: Loan modification,collection,foreclosure

Complaint: I represent XXXX and XXXX XXXX who own a home located at XXXX & XXXX XXXX XXXX, XXXX, WA. On XXXX/XXXX/XXXX Northwest Trustee Service [ NWTS ] issued a Notice of Trustee 's Sale set for XXXX/XXXX/XXXX. Under state law, the trustee is a duty to act impartially and in good faith to the borrower, beneficiary and grantor. I 've been in communication with NWTS attorney XXXX XXXX regarding whether or not XXXX Bank has the actual note. XXXX XXXX wrote that he had been in communication with XXXX 's attorney on the issue but refuses to identify that attorney. I believe NWTS is acting as both trustee and XXXX 's attorney. I believe that is fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 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: My account information was compromised and I 've been enrolled in their identity theft protection program without my consent. They also took over a month to make me aware that my information had been compromised. Meanwhile, their executives have been selling off stock in the company before making their announcement. This is in regards to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have accounts reporting on my credit report that I did n't do or get. My name is very common and the local police department explained that the best route would be to call the bureaus and another government agency I think this one but it was called something else. I have a judgement for an auto? and child support? very frustrated with myself for not keeping up with this stuff.. did n't think i had to. I 've sent the bureaus dispute letters but there has n't been any real traction. This is affecting my personal life and the more time that passes the more XXXX i 'm getting. I have followed the specific instructions on the website showing what to do and i uploaded it. I can give you letters sent and receipts.

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 11/20/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: This is pursuant to complaint numbers : XXXX & XXXX filed against Ocwen Servicing, LLC and, complaint Number : XXXX, filed against XXXX. 
Despite the fact that my mortgage loan servicer, Ocwen Loan Servicing , LLC, was paid in full for that mortgage on that Florida home, on XXXX/XXXX/2015 by wire transfer pursuant to the Payoff quotes which they validated in writing and good till XXXX/XXXX/2015, I am the recipient of another Alert from CREDITSECURE which notes that Ocwen Loan Servicing , LLC entered a negative comment into my credit report, while at the same the paid off mortgage loan amount {$170000.00} still remains in effect with XXXX. 
Does this reflect an all-out-war by Ocwen for the fact that I have contested their abuses with the Consumer Financial Portection Bureau? And what was the basis for that mortgage loan to have ever been transferred to Ocwen Loan Servicing , LLC which happens to be a debt collector and which also appears to be affiliated with XXXX bank? The loan is paid for in full even with addtional interest payments and therefore Ocwen is obligated to remove it from the credit bureaus, along with the negative entries which it has also reported. Ocwen 's behavior along with the credit bureaus it is aligned with are abusing the consumers with impunity and they should be penalized for such actions.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (VA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: XXXX   XXXX   XXXX   XXXX   XXXX  Synchrony Bank will not post my correct balance and payment history to the  XXXX  reporting agencies   XXXX   XXXX   and  XXXX      they keep reporting I have maxed out my card and not show my correct balance I was forced to pay off my account and close my account I need for them to post my good payment history and my balance paid off and closed

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 01-02-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TX).
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: I canceled my XXXX Dollar XXXX XXXX with XXXX XXXX and informed XXXX Citi Bank that I was charged XXXX on X/XX/2017. 
I had cancled my XXXX Dollar XXXX XXXX before the trial period ended. The XXXX Dollar XXXX XXXX is misleading and I revived no monetary benefit past the trial period. 
I had my Citi card reissued prior to this date so XXXX had presented an charge on a closed account number. Citi reversed the charges to XXXX. When I filed an complaint. 
I contacted Citi when the charge reappeared as XXXX had reversed the charge back on to my Citi Card. 
Now XXXX reports a negative statement filed by Citi and my credit rateing dropped some 50 points plus or minus and I was recharged the XXXX, and it was paid on time. 
Citi also reports a account deficIte with XXXX when the balance of my account is paid-off fully every billing cycle.

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 10/31/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: Consumer Financial Protection Bureau : I have reviewed the response made by the business in reference to complaint ID # XXXX, and have determined that my complaint has NOT been resolved because : Merchant is misleading American Express and provided a copy of contract that was paid with XXXX XXXX card on XXXX and was not paid with my American Express account. That dispute was submitted to XXXX bank and was closed with a full refund. Documentation is attached. 

I did not authorize the charge on the American Express card on XXXX referenced in this complaint. My dispute was not handled correctly. Please check your customer service call logs as I was advised by American Express representatives on numerous occasions that the dispute was raised incorrectly as billing inquiry rather than fraudulent charge ( XXXX Dispute Ref # XXXX ). 

Copies of the XXXX response and supporting documents are attached. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Bank of America is XXXX XXXX posting payments to my account. The payments are made via online banking via transfers - from a checking or savings account - to my credit card ... and any such payment, no matter the size ( nearly always under {$XXXX} ) takes multiple business days to process. 

In the XXXX century, that would have been reasonable. This is the XXXX.

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