milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: inaccurate information must be removed violates hippa and cra

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (MI).
Issue: Adding money

Complaint: Rush card has not been letting me access my money since XXXX XXXX, 2015. My direct deposits have been delayed and I am unable to reach anyone from customer service. I am unable to get to work or get my children to school. Once again for the 2nd week I am unable to access my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/14/2015 about Credit card () with U.S. BANCORP (CA).
Issue: Advertising and marketing

Complaint: When I applied for this card and paid the fee, one of the benefits was to be able to redeem points to get XXXX free night when you book XXXX or more consecutive award nights. However, they have now taken away that benefit, which was why I paid the fee. I believe this to be false advertising.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-05-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Billing disputes

Complaint: Capital One charge my credit card XXXX for a Returned ACH Card due to an Auto Payment. I never set up Auto Payment and never agreed to Auto Payment, and now they are refusing to reverse the XXXX Charge

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-03-2017 about Payday loan, title loan, or personal loan (Installment loan) with Big Picture Loans, LLC (CA).
Issue: Charged fees or interest you didn't expect

Complaint: XX/XX/XXXX approved for {$800.00} loan. I did not know about the  659.6368 APR unti l the money was posted to my bank account. My loan payment schedule is stretched out to XX/XX/XXXX paying over {$200.00} twice a month. THIS SHOULD BE ILLEGAL. This is the first action I 've taken so far. Please help!!!! Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-01-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Deposits and withdrawals

Complaint: Recently Chase decided that " COINS '' are no longer a valid currency at their banks and that they would no longer accept loose change.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Mortgage (VA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Settlement process and costs

Complaint: Bank of America, N.A., Fraudulent collection and foreclosure practices on secured property and perfected property of interest. Bank of America has no lawful interest and has submitted fraudulent XXXX forms to IRS etc..with consumers personal identifiable information illegally and without consent. Assigned Lawyers have also committed federal interstate commerce fraud and submitted fraudulent documentations and paperwork along with fraudulent and fake autographs passing them as original instruments. Bank of America illegally filed fraudulent documents with the State to pass off as valid and lawful negotiable instruments of which they do not have.

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 08/21/2017 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: Their investigation did not fix an error on your report

Complaint: Trans union made a giant error and wiped away inquires on thousands of peoples credit file, but to make things worse they went back and tried to remember which files had been affected and which ones were not affected. By law, and pursuant to the debt and fair credit act, customer should have been notified, before trying to place these erroneous inquires back on customers credit file, but we were never contacted. So once I found out that I was indeed a victim I contacted Trans union and notified them that I was one of the victims of their inquiry mishap and that I wanted those inquiries that had been wrongly placed * back* on my credit file removed, I was told that I was not one of the victims and that they could not remove them. This is very wrong in every since of the word. I was indeed a victim, and I want these inquiries permanently removed from my credit file..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Credit card () with The Law Firm of Allan C. Smith (VA).
Issue: Other

Complaint: I had a credit card with XXXX XXXX XXXX XXXX XXXX which was charged off i have a payment arrangement with XXXX i keep getting letters from XXXX XXXX XXXX XXXX i tried to contact XXXX XXXX XXXX letting them know this is being taking care of by XXXX and XXXX, they still keep sending me letters i even faxed a copy of the letter i reveived from XXXX XXXX XXXX. that did not stop them also, i am fedup with them please help me. attached is a copy of the letter from XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Debt collection (Credit card) with Pressler & Pressler, LLP (NY).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: The firm Pressler and Pressler violated the Fair Debt Collection Practices Act when it caused my joint bank accounts to be levied. 
The debtor owns none of the money in the account - or only has funds in it that can not be levied at all, like social security or XXXX payments. My wife incurred credit card debts prior to marrying myself. Only my wife was a debtor obligated, obligated to respond to, Pressler and Pressler.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: a company did XXXX credit inq on me with the help of cfpb this company agreed to have these inq removed of my credit and i did an online they are refusing to delete these inq XXXX of them there are also issue with them no updating my score when they have to

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (FL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Around XX/XX/18 I applied for a fha mortgage through quicken loans. After uploading paystubs and a2 's and having a phone conversation with a XXXX XXXX i was given a pre approval. I was then asked to write a letter of explanation as to what happened to the house that it's listed in my bankruptcy case. It was explained that the house was foreclosed. At no point did anyone from quicken loans ask when it was foreclosed. After I found a house, signed a contract to purchased the house, paid {$300.00} for a inspection and gave quicken loans {$500.00} to be used for appraisal was i then told two days later on XX/XX/18 that I was denied because my foreclosure was not three years old. I was told no appraisal had been ordered so i would be getting my money refunded. On that same day XX/XX/XXXX a appraisal was done on the property. At this point I am out {$800.00} for a mortgage that I never should have been pre approved for. They knew I was applying for a fha mortgage, they knew I had a foreclosure and they knew the waiting period for a fha mortgage after foreclosure is three years, yet they didn't ask when the foreclosure took place.

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. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax 's breach has put my information at risk and millions of others.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: My account with XXXX XXXX is paid completely and closed in XXXX of 2013. As of now the account sits on the credit report as in collection and a separate collection agency for the account is there too which is ruining my credit and score. I disputed the item with all XXXX credit agencies but got no where. I am attaching all document for your information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (IN).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: Just today, my mother in law received a call from a navient worker named XXXX. This is the third time she has called her. My info WAS ALWAYS updated in their system. I have no answer as to why they are calling her! My financial business is not hers, and she does n't want these calls either. THE START : If you go back a year ( or more ) you will see that I was making my payments ON TIME. Unfortunately, I lost my job in XX/XX/XXXX. I DID MY DUE DILLEGENCE TO CALL NAVIENT AND LET THEM KNOW I LOST MY JOB AND COULD NOT PAY RIGHT NOW! I also informed them that I would certainly pick back up in making ontime payments when I get back working ( please check recordings since they make it clear they are recorded ). They are STILL calling me about making payments. I then talked to them again and let them know about my situation and they blew it off as if I was a horrible person. I asked them to PLEASE make a note on my account about what I 'm going through. Then today happens! They keep calling badgering my mother in law and when I called them back, they badgering me to make a payment! It 's very frustrating that they are not caring enough to listen to what my struggle is ( briefly ). It 's like they do n't care about me as a person! I have a family, kids, wife ... they know I ca n't pay right now, so why keep asking me? This is not fair nor is it any type of good customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Credit card () with BARCLAYS BANK DELAWARE (VA).
Issue: APR or interest rate

Complaint: My promotional zero percent interest rate expired on my Barclays Bank Mastercard, but the impending expiration of that promotional rate was not noted on the credit card statement immediately preceding commencement of interest charges. Instead, that statement ( XX/XX/2016 ) reflected a 0 % interest rate on the promotionally charged amount with no expiration date for that rate reflected. Yet on my next statement ( XX/XX/2016 ) there were nearly {$160.00} worth of interest charges, and the statement reflected the new 16.24 % current interest rate. 

When I called to complain and ask that the interest charges be reversed, the customer service agent initially acknowledged the error. However, after consulting with his supervisor for permission to reverse the interest charges, he stated that the expiring rate was not shown on the XXXX statement because the rate had expired the same day that the statement had issued, meaning the statement could not reflect a future expiration date. The supervisor later told me the same thing. But if the rate had already expired at the time the XXXX statement was issued, then the XXXX statement should have reflected the new 16.24 % rate, not the 0 % rate. 

I pointed out to the customer service agent and his supervisor that they were trying to have it both ways by claiming, on the one hand, that the rate had expired on the XXXX statement date and so that statement could not reflect the rate expiration date, but that, on the other hand, the XXXX statement reflected the 0 % rate that they claimed had already expired by that time. The agent acknowledged my point, but insisted that " this is just how we do it '' and refused to reverse the interest charges. After considerable argument, she agreed to reverse half of the interest charges, but refused to reverse the rest. 

I would like the remaining interest charges refunded, and for Barclays Bank to stop these misleading billing practices.

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 09-05-2015 about Debt collection (Non-federal student loan) with Patenaude & Felix APC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Attorney debt collectors are attempting to collect a debt that is not mine and can not furnished how I owe them under the law. I do not have to communicate with them as they have not given me the required original documents of how and why I owe them. The debt is not mine.I am really poor and have no money and a XXXX I do n't have money and I can not pay for a debt that is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Student loan (Federal student loan servicing) with EQUIFAX, INC. (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: SHOWS OPEN AND LOAN WAS CONSOLIDATED AND PAID, SHOULD BE CLOSED, AT XXXX BALANCE ON EQUIFAX CREDIT REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/22/2017 about Debt collection (Other debt) with GC Services Limited Partnership (MN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I 'm filling a second complaint in regards to the situation as NOTHING was resolved the first time. I previously was with the cell provider XXXX and switched to XXXX, When I made a visit to the XXXX store ( XXXX XXXX ) to see what offers they had to potentially make the change to go with XXXX- What they told me sounded very nice and made it what I thought was going to be an affordable switch! They promised {$650.00} to go towards paying off what I would owe XXXX if I left them. They said I would receive this in the form of a gift card within a couple of months. Out of the {$650.00} I was promised I received approx. {$120.00} Gift card! NOT {$650.00} The stores tactics to get you to switch over are deceitful and dishonest! I tried talking to a representative in the store directly which was no help at all. Now im receiving a large phone bill from them- I ended up switching to XXXX because I refuse to go with a company that has done nothing but like from the very start! in My former complaint they responded by saying they sent me a gift card, however what they failed to mention is that the gift card was about {$120.00}!!! very unethical and deceiving!

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX XXXX our monthly mortgage payment was made by phone to the customer service department of HSBC. We were told that due to our account being in good standing we were eligible for refinancing. We were referred to the refinancing department and spoke to a refinancing personnel of HBSC by the name of XXXX, who completed with us the initial application for refinancing. We were then assigned to another of HBSC employee by the name of XXXX XXXX who took over the application process and told us that closing date would be sometime in XXXX XXXX, and that we should not make the XXXX XXXX XXXX mortgage payments as they were being included in the refinancing. He also told us that our first mortgage payment would be for XXXX XXXX. 
We received a call around XXXX from HSBC employee XXXX XXXX XXXX informing us that the closing date had to be changed to the first or second week of XXXX XXXX. Our insurance agent also received a call from HSBC employee XXXX XXXX XXXX, making request re paper work, pertaining to the refinancing of our home. HSBC through XXXX XXXX XXXX contacted us again by XXXX XXXX informing us of a final closing date of XXXX XXXX, XXXX. After that no further communication was received from HSBC. 
Numerous calls were made by us and messages left on XXXX XXXX 's HSBC extension voice mail and direct line ( XXXX ) XXXX - XXXX at HSBC. Our insurance agent also made several attempts to follow up with XXXX XXXX XXXX of HSBC refinancing department but to no avail. At this point we desperately tried to obtain information re our pending refinance closing and was able to obtained information through HSBC customer service that the mortgage payoff was given to XXXX XXXX in the refinancing department and that they were awaiting the closing. 
While waiting for the closing to our dismay, we received an intent to accelerate letter from HSBC dated XXXX/XXXX/XXXX which added stress to an already stressful situation. We at this point sacrificially made the XXXX Mortgage payment, believing that, HSBC would resolve the matter, which they did not. Verbal and written complaint was made to HSBC emphasizing that our financial hardship was brought on by the breach of contract by HSBC. 
It is hereby unbelievable that even in the light of the overwhelming evidence of breach of contract and fraudulent activities by HSBC, including but not limited to forgery, HSBC did not do the right thing of resolving the matter by completing the refinancing process. This, they themselves initiated which if done would not result in us being in foreclosure. 
We hereby seek your help in investigating this urgent matter. 
Contact number XXXX XXXX XXXX XXXX - XXXX email : XXXXXXXXXXXX Yours Truly, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Vehicle loan or lease (Lease) with GENERAL MOTORS FINANCIAL COMPANY, INC. (FL).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: On my billing statement dated XX/XX/18 there is a line item for " EARN TAX '' in the amount of {$35.00}. I have emailed GM Financial twice to receive an explanation of what this charge could be for and have yet to receive a reply elaborating why I have this additional fee on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I requested my credit file not my report, I needed to know what paperwork/contents were, how  Trans Union  and   XXXX   was verifying erroneous account information. Under section   609 of FCRA I am entitled to this informations, All companies refused, the reps have no idea of this act or section I was referring to.
I last spoke to Trans Union    XXXX / XXXX /  XXXX  , the reps and supervisors do n't know the difference between a credit file which should contain, contracts with my signature for each creditor, I asked for who verified the information, how it is being verified This fell on deaf ears.   I am disputing an fraudulant account

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Debt collection (I do not know) with American Coradius International LLC (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Called and claimed a person ( not me ) owed a debt to them. When I called back they said they were a call center, ( did not notify me on the phone that this was an attempt to collect a debt ) and I am on the Do Not Call Registry and do not want to be bothered by them again.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Debt collection (Other debt) with Perfection Collection (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In XXXX of XXXX my husband and I received the first and only phone call from a company called Perfection Collection I believe may be located at XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX .... I found this address while researching the company. A man named XXXX XXXX called and left a message on our home phone which we still have the recording so this is what he said word for word, he said he was calling regarding sealed documentation that we needed to sign that day, he said he was coming to our home in one hour and that we were to answer the door and except the documents voluntarily and if he could not locate us at our address he would stop by one of our family members homes to make sure he would cover all boundaries. This is the phone number he left on our answering machine .... XXXX XXXX .... he said either we call or he would be on his way. The debt was false, years ago we had an alarm system and from what I 've learned this company somehow got our information and tried to scam us with a false debt claiming it was from our former alarm company. We never received any type of correspondence from them other than the one phone call. I did call back and was told XXXX XXXX was not available so the person I spoke to said we owed {$1200.00} telling me that although we had no longer been in a contract with the alarm company due to the 5 year contract expiring which we fulfilled the 5 year contract and this was now two years later .... that the company automatically had rolled us into a new contract .... theres no such thing which I argued. Then I called a second time after doing some research on this collection company and learned this is how they operate, its a scam, so now the second call to them I 'm told there is no such person named XXXX XXXX and this time the person hung up on me after I confronted them. We hoped that was the end. They never called us again and never at all from the beginning did we receive anything in the mail so we do n't have any documentation to submit, what they did do is put collection notices on both myself and my husbands credit reports, this time for a different amount of {$880.00} which is strongly hurting our credit.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation