milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with BWW Law Group, LLC (MD).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: 1. 15 USC 1692c ( b ) - without my expressed prior consent ran an ad in the XXXX XXXX XXXX for 3 weeks 2. 15 USC 1692d ( 4 ) - harassed consumer ran ad in the XXXX XXXX XXXX for 3 weeks 3. 15 USC 1692c ( b ) without my expressed prior consent published information on the XXXX website for 21 days 4. 15 USC 1692d ( 4 ) harassed consumer by publishing information on the XXXX website for 21 days 5. 15 USC 1692e ( 2 ) ( A ) conducted illegal sale of consumer goods with false representation of the character, and legal status of the alleged debt 6. 15 USC 1692f ( 6 ) ( A ) conducted illegal sale of consumer goods with no enforceable security interest after receiving notice of rescission 7. 15 USC 1692g ( b ) failed or refused to provide validation and did not cease collection action 8. 15 USC 1692i ( a ) ( 1 ) failed to bring action in the judicial district 9. 15 USC 1692j ( a ) creditor not participating in action of debt-collector 10. 15 USC 1692k ( a ) ( 1 ) actual damages sustained by consumer for debt collector violating FDCPA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have a {$500.00} collection on my Transunion credit report which I tried to dispute online but they would not allow the dispute. I do n't know if it was a technical error or they just have it set up so you ca n't dispute which means less work for them. I have tried to get a free copy of my report but they say I cant because I read it online and now they want XXXX per month to do what they are required to by law for no charge. Total ripoff and I 'm XXXX. This is not my account and it is destroying my credit and it is only on Transunion

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with HSBC NORTH AMERICA HOLDINGS INC. (MI).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, MI XXXX XXXX To whom it may concern : It appears that the cooperation between us, HSBC and XXXX has deteriorated to the extent that I have no choice, but to continue try and prove that by their mistakes and unwillingness to get this problem resolved. I will continue to address this the best I can, and present evidence I have available to me. This is a continuation of a complaint, case # XXXX. 
I am, again, requesting a complete and in depth audit of the entire year, XX/XX/XXXX, of my mortgage account with HSBC ; loan # XXXX. HSBC mortgage statement, dated XX/XX/XXXX, shows a payment was received, automatic deduction, from my credit union, on XX/XX/XXXX, credit union statements will be provided upon receiving a new case number. Please note HSBC statement Principal balance is the same for XX/XX/XXXX, and XX/XX/XXXX, and shows no activity on XX/XX/XXXX. HSBC statement XX/XX/XXXX, also shows {$800.00} being billed as escrow, and was disbursed, but no credit to principal or escrow, meaning, somewhere along the line, HSBC made a miscalculation as the cause of this problem. My investigation goes back into XX/XX/XXXX. If you calculate the amount {$1100.00}, then subtract the {$800.00} from escrow, the sum is {$390.00}. That is very close to the amount left accounted for according to the spreadsheets, I provided XX/XX/XXXX, of {$390.00}, in my favor, but that still leaves the question, what happened to the {$850.00}, that HSBC statement dated XX/XX/XXXX, was on hand. 
Since the trust and integrity of HSBC and XXXX has deteriorated to almost zero, because of trying to deceive and hide the truth and other things. I am submitting my remedy. 
Turn over the title to my home, free and clear, absolutely no attachments, pay {$150000.00}, by certified check, for all the number of times HSBC has breeched the foreclosure agreement of XX/XX/XXXX, and broke the original contract signed XX/XX/XXXX. Admit to wrong doing to the public through the media, and other agencies. This has caused a lot of undue stress, frustration and extra expenses, when there could have been a very easy way to remedy the problem. 
Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Problem with fraud alerts or security freezes

Complaint: I tried many times to place a credit security freeze online at XXXX. I put in all the correct information ( I have no XXXX or XXXX, XXXX, etc after my name ). After entering all the required information correctly, the website reports the folllowing : " Additional Information Required We 're sorry ... we can not process your online request concerning an XXXX  security freeze. To assist us in processing your request please submit in writing the required items outlined below. 

For all security freeze requests please submit the following ID information : your complete name including any suffix ( e.g. XXXX, XXXX, etc. ), complete address, Social Security number and date of birth. 

For the Placement of a security freeze, please provide the above required personal ID information. 

To temporarily lift a security freeze, you must submit all of the following along with the required personal ID information : - 10-digit personal identification number ( PIN ) - Date range ( e.g. XXXX XXXX - XXXX XXXX ) or proper information regarding the third party ( ies ) to receive your credit file ( e.g. XXXX ) To permanently remove a security freeze, you must submit all of the following along with the required personal ID information : - 10-digit personal identification number ( PIN ) - Two ( 2 ) forms of identification ( eg.Pay stub with address and utility bill ) Please return your required personal ID information along with any additionally required information noted above to : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Please include payment by check or major credit card for the appropriate fees. For XXXX, XXXX, XXXX or XXXX XXXX payment, please include your name as it appears on the card, the card number and the expiration date. Please click here for the fees associated with your state 's security freeze. 

We will provide you with written confirmation of the successful completion of your security freeze request. 

To make a security freeze request with the other national consumer credit reporting agencies, please contact XXXX and TransUnion : TransUnion XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, TX XXXX ( XXXX ) XXXX ( XXXX ) XXXX Thank you, XXXX XXXXXXXX XXXX XXXX " XXXXn and XXXX allows me to do this on-line. This demand of performing a freeze request by mail is an undue burden and obstacle put in place to deter the consumer from doing what is his/her legal right. XXXX only wants to continue profiting off information about the consumer, to the consumer 's detriment. XXXX can not be trusted with distributing my information securely nor admitting failure to do so in a timely manner to enable me to protect myself from identity theft. 

Why is n't there regulation against this?

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 12/13/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: Bank of America allowed XXXX XXXX XXXX XXXX XXXX to charge my Business Checking Account/Debit Card 11 times in one day on XXXX XXXX, 2017, totaling {$3300.00}. XXXX XXXX XXXX XXXX XXXX did not provide the services as agreed pursuant to a contract. Their cloud based service did not work as promised and continued to have endless glitches and issues. I was never able to get back into the program. It never worked. When my father XXXX unexpectedly and I was out of work due to XXXX and again had no access to the program they still refused to cancel. Instead, they said they 'll give me an extension and change it to my brother 's business and update the cloud to his information but those changes never came through. The program never worked at all. This company has a predatory billing practice. I sent them an email revoking their authorization to charge my card and they continued to charge anyway.

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 07/31/2016 about Mortgage (Other mortgage) with Ditech Financial LLC (GA).
Issue: Credit decision / Underwriting

Complaint: DITECH Financial, LLC states have an open mortgage account with them and I am delinquent $ XXXX+. I do n't have a mortgage account with them at all. I did and was never delinquent when my house was sold XX/XX/2014. I have not been able to even purchase a home and do not own any property now. As a result it has adversely affected my credit and kept me from obtaining future credit despite the information being incorrect. I am trying to dispute this as I was just made aware of it when I tried to obtain credit, to no avail.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Debt collection (I do not know) with Dynamic Recovery Solutions, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a call claiming they were a debt collector and I owed a debt of some kind. They never provided a name, specifically who sent them, or what it was for ( they left a voicemail ). I called back and they asked for somebody completely different than myself and somebody who I do not know. Also, a XXXX search of the number pulls up that they are a " spam robo call ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-06-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NV).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: A few years back, I kept getting emails from XXXX/XXXX advertising forbearance as an option for me, I was never given information about income driven repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 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: Was not notified of investigation status or results

Complaint: I was a victim of identity theft 2 years ago. I sent 3 certified letters to XXXX requesting that they validate several items on my report and send me either a contract or something showing that these were my charges. After 3 attempts, they never produced the documents and this is unfair to me as a consumer. They also had an address in a state where I never lived. The below accounts were never validated. They sent me a letter stating that they validated the accounts but failed to provide me with anything. This is a direct violation of the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There was also a XXXX  account that was opened in another state that they did remove but not the inquiry.

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 11/24/2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Name XXXX XXXX XXXX is not my name. It is on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (MA).
Issue: Money was not available when promised

Complaint: On XX/XX/XXXX, I attempted to withdraw my funds from Coinbase, a virtual currency exchange. I wanted to withdraw {$520.00}. My funds were promised to be delivered to my XXXX XXXX XXXX Account on XX/XX/XXXX. Since then, it has been nearly a month and I have not seen my money. I contacted support on several occasions through their support website. I received generic responses that said delays were occurring. Their phone support refuses to assist in such issues and insists that their email is the only way to get this issue sorted.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (PA).
Issue: Deposits and withdrawals

Complaint: On XX/XX/XXXX after getting off of my serving shift, I walked to my local Wells Fargo location in Downtown XXXX XXXX, PA to deposit {$130.00} cash into the ATM. The machine only credited my account {$5.00} dollars. As soon as this happened, I called to file a claim with Wells Fargo. They told me it will take over a month to hear the result of the claim. Being a student who desperately needs the money to pay rent and for books, I called back the next day. They credited my account {$130.00}. 

It is now XX/XX/XXXX and after looking at my account, I have noticed that they removed that credit on XX/XX/XXXX. 

There is still {$130.00} that I deposited into the ATM that is not in my account. The claim that I opened was unsuccessful in locating my money. I believe the employees at the bank did not search the ATM when I called or they saw the money in " limbo '' and took it for themselves.

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 01-12-2017 about Credit card () with SYNCHRONY FINANCIAL (DE).
Issue: Sale of account

Complaint: I sent them a letter agreeing to a payment offer of {$110.00}. On XX/XX/XXXX, I received a letter saying they have sold the debt on XX/XX/XXXX to a collection agency named " XXXX XXXX XXXX ''. To top of it all, the debt has been sold for {$400.00}, which is almost 4 times their initial offer. This is the second time they sell this debt to agencies that have shown patterns of violating FCDPA rules. I need a clear answer as to how to settle this debt based on their initial offer.

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 Mortgage (Other type of mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Trouble during payment process

Complaint: Bankruptcy was discharged XX/XX/XXXX, and this mortgage ( primary residence ) which was including in the bankruptcy. Upon being dishcarged ( after 5 yr./60 months ) NationStar demanded {$17000.00} in payment ( see attached ). This was because the loan was an interest only loan & because of the bankruptcy they were not able to adjust or increase our payments. NationStar granted us a loan modification which included the outstanding payments they were unable to charge us during the bankruptcy. I have included a recent mortgage statement which does not show any payment past due. I have also included dates & payments made doing the bankruptcy. I am asking for the negative comment on XXXX under payment status, which reads " At least 120 days or more than 4 payments pas due '' to be removed ( see attached ). I would also like the removal of the past due amount of {$16000.00} from the report because that was satisfied in the loan modification. In addition to this, the mortgage payments are {$1300.00} but the credit report is showing {$1400.00} ( see attached ). Monthly payment will change to {$1300.00} starting XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Vehicle loan or lease (Lease) with HYUNDAI CAPITAL AMERICA (MI).
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint: We had problems with the vehicle I leased from  Kia Finance  from the very beginning. There were check engine lights that would periodically come on. I took the vehicle to my Kia dealership   XXXX  Kia  in  XXXX , MI on  XXXX   XXXX , because I was concerned by these lights and I was told by them that they could not detect an issue. I suggested changing the oil and doing a more thorough inspection but they advised that it was not necessary. Eventually the vehicle died and I was told it was because the oil was never changed. I was disturbed by this because the vehicle had been to an authorized  Kia Service Center  multiple times and even when I suggested an oil change was told by these supposed expert professionals that they could not detect any issues and told an oil change was n't necessary, multiple times when the vehicle was brought in. We had the vehicle towed to the  XXXX   Kia  dealership and was informed that they would contact us to see what they could do. Months went by without us receiving any word from them, until I received a bill in the mail recently for {$9800.00}. This included {$8900.00} in unpaid lease payments, {$400.00} disposition fee, and {$530.00} in official fees and taxes. The bill also indicates that the {$9800.00} payment is due within 15 days of the notice. This is totally unreasonable. When I contacted  K  ia Finance  they advised that they could not even discuss payment arrangements until the account went to Collections. I do not think this is right that I am being asked to pay for a vehicle that was ruined though I did my due diligence and took it into a  Kia service shop multi ple times to voice my concerns with the warning lights that would come on from time to time and even recommended an oil change, which ultimately ended up being the reason why we were told that the engine died. It is also completely unfair that my credit will be ruined by this unjust bill of {$9800.00} that is due in a ridiculous amount of time, 15 days. I do n't think that anything should be owed on the vehicle and want this to be immediately removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (KY).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage is currently serviced by Nation Star. My regular monthly payments are {$500.00} per month and Nation Star has imposed {$530.00}, {$530.00} and {$530.00} monthly charges over the last 60 months ( see attached ). Nation Star claims that the increase in the overall escrow is due to an increase in taxes. However, my taxes were reduced from {$860.00} to {$510.00} per month, due to Kentucky Homestead law. My P & I is {$450.00} per month and since my taxes equal {$43.00} per month, therefore my monthly payment should equal {$490.00} per month. Overall, have been overcharged {$34.00} for a sixty month period, which equals a total amount of {$2000.00} overcharged. On XX/XX/2016 Nation Star demanded payment of {$920.00}, even though I have made all of my payments timely each month. Nation Star advised that these funds needed to be paid in order to avoid foreclosure. Nation Star has refused to prove up the math behind the alleged delinquent amounts. The statements that they have issued have not matched the oral amounts listed. Both CFPB mortgage servicing laws and RESPA law require that transparency within accounting be present during mortgage servicing. Nation Star is in violation of both CFPB and RESPA law. Overall, I feel cheated and deceived by Nation Star and I am seeking your assistance on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (WA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I have Barclays Credit Card that I regularly make payment to through my bank 's bill payer service. I have made regular payments for the last 2 years without a hitch. However, in XX/XX/XXXXof this year, I started receiving telephone calls from the customer service department of Barclays demanding payment. I explained to the individual that my payment was sent via my bank as I have done for the past 2 years. Every 2 weeks since I have received calls asking me to pay the minimum due. I explain to the rep that I have made the payment as I have previously done, so please check you records. I have submitted information from my bank showing that payments were sent and cashed. My bank also sent Barclays a copy showing the checks sent were cash. On XX/XX/XXXX I  received a letter in the mail stating that my account is delinquent and my account was canceled. I called Barclays immediately and after explaining my issue was left on hold until there was no dial tone on the line. I called back and in an effort to minimize the conversation, I asked the new rep to review the notes. She was able to locate the prior notes but notice no movements on the case. I have made 4 payments since the beginning of the year totaling {$3000.00}. There 4 payments in total but they have only credited one to my account. They have cashed all 4 checks and both I and my paying bank have provided proof the payments were sent and cashed. I called again today, XX/XX/XXXX, and went over the entire experience with the CSR yet again. After the phone call, I called my bank to confirm once again that the latest payment was sent and cashed. When I called Barclays back, they couldn't even locate any notes from my prior call. I am concerned that they have misappropriated {$2600.00} of my money and are reporting negative information to the credit bureaus.

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