milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On   XXXX   XXXX  , 2017 my daughter had her wallet stolen. The  XXXX  incident report is number  XXXX  from district   XXXX   reported by officer  XXXX . She was secondary user on my   XXXX   XXXX    reward MasterCard  issued by Barclay. I called to report it stolen and at this point I wanted to close the account. The thief used the card and charged {$83.00}. I was told not to worry as that would be marked as fraud and I was not responsible for the charges. Then the {$83.00} was debited from my checking account as I did have automatic payments on my account. I called and was told that the first person did close my account but did not flag the fraudulent charges correctly. I was told they could not credit my checking account back the money and would see about getting me a refund for the fraudulent charges.They wanted to credit the charge card but it has been closed. I asked if they could send me a check. I waited and nothing occurred. I called again and was told they could reverse the debt from my checking. It was refunded back to my checking. Now I have received an email that my account is 2 months overdue. This has now affected my credit score and dropped it over  XXXX  points. I need to have them fix this account by marking those charges correctly as fraud. Then they need to show my MasterCard account as currently and never overdue. They must then fix my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Student loan (Private student loan) with SLM CORPORATION (VA).
Issue: Getting a loan
Sub-issue: Denied loan

Complaint: I received a loan from SallieMae of {$27000.00} in XX/XX/XXXX, and I reapplied for another loan in XX/XX/XXXX and was denied, because of a bankruptcy that is over 7years old, I also had the bankruptcy when I received the first loan. My credit is very good, but SallieMae continue to deny me for the same reason. Now I 'm wondering how my daughter is going to finish school, without this loan.I just feel it 's so unfair to be denied, when you gave it to me the first time.how did you can assist me in this matter thank you sincerely the  XXXX family

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: On XXXX XXXX, 2015 I bought a new car. The car dealer, without my authorization, submitted my information to multiple financial agencies which resulted in XXXX hard inquiries. I have contacted TransUnion multiple times but their instructions are unclear and when I send information to try and solve this issue it never works. I have XXXX hard inquiries in my credit report, XXXX of which are unauthorized I will thus like them 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 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KS).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: All three major credit bureaus ' have illegally hoarded, conveyed my personal information for profit for their business. These bureaus ' have portrayed to be a government entity but are mere business private corporations, like walmart and other businesses. Without this consumers expressed or written consent pursuant the 1974 Privacy Act, all 3 bureaus ' violated all privacy rights and allowed personal information to be leaked due to their false and misleading ways and practices. According to the Fair Debt Collections Practices Act, all bureaus ' maliciously and collectively shared this consumers personal information to make trillions of dollars by selling it ( information ) to various debt collectors, employers, financial institutions, and many others. Just to name a ew. The Federal Trade Commission is to demand on my ( the consumers ) behalf that all 3 credit bureaus ' remove all of this consumers social security number, date of birth, financial accounts, credit/debit card numbers/ address old and new/ health /medical history, and all sensitive information, collected on this consumer. all 3 bureaus ae now in question for reporting fraudulent information to disgrace the consumer, blocking the pursuit of happiness. Bill of right violation. Consumer wishes for damages of XXXX XXXX dollars ( preferably in Gold ) from each bureau for their treasonous deeds and all will be forgiven. Consumer would like to also thank the CFPB for protecting this consumers personal, family and household.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: On XXXX XXXX, 2017 my VA Benefits were direct deposited into my Bank of America account. When I went to get the money out to pay my bills around XXXX, my debit card would not work at the ATM. Attempted to login to our online banking and was not able to do so. I waited in the Bank of America local branch parking lot until they opened at XXXX. When I was finally assisted I was informed that our account had been frozen due to fraudulent checks. When they showed me the checks they were from people all over the United States that I had never even met. The signature " my signature '' on the back of them looked nothing like my handwriting. I was then informed that they would have to close my account on the spot, knowing I have XXXX and VA payments direct deposited, and that until they were done with their investigation I was only allowed to have approximately {$600.00} of my $ 1900+ paycheck. I asked what I was suppose to do about my benefits that are direct deposited and was told to basically take my business elsewhere and open a new account. I did so, and updated Social Security and the VA of the changes. My social security was still sent to the closed account anyway and I was issued a cashiers check that i received a few days later in the mail. On XXXX XXXX, 2017 Bank of America actually closed the account. It had only been two weeks even though the Treasury 's Green Book states that the institute must keep the account open for 30 days. The account can be closed sooner if it is an issue of fraud, which it was, however the same regulation states that if this is done the bank must still accept the direct deposit and make it available to the consumer. On XXXX XXXX, 2017 my VA check should have been direct deposited into the new account. It was n't and instead was sent to the closed Bank of America account. Attempted to go to the bank to get my funds and I was told it was sent back to the Treasury and now we must wait up to 30 days for Bank of America to return the check to the treasury then for the treasury to either put it into our new account or mail a check which could take even longer.

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 10/13/2015 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This letter is a formal complaint that you are reporting inaccurate credit information. 
I am very distressed that you have included the below information in my credit profile. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. 
I 'm sure you 'll agree it needs to be removed as soon as possible. 
The following information needs to be deleted from my credit report as soon as possible : XXXX XXXX COLLECTIONS INAlert Date : XX/XX/2015Source : EQUIFAXCompany : XXXX XXXX XXXX INPayment Status : UNPAID ( UNPAID ) Status Date : XX/XX/2015Balance : $ XXXXBalance Date : N/AAddress : XXXX XXXX XXXX, XXXX, WA XXXXPlease delete the above information as quickly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Mortgage (Other mortgage) with CITIBANK, N.A. (OH).
Issue: Loan servicing, payments, escrow account

Complaint: I purchased a home in 2004 for XXXX I am still paying Mortgage Insurance after all these years, the home is in an area that has significantly declined in value over the last few years. I am a XXXX XXXX XXXX widow who has a significant loss in income due to the unexpected death of my husband who is an XXXX veteran. I have called Citimortgage with no resolution on how to remove the MI from my loan. I almost lost the home and they put me on a balloon mortgage which scares me but I had no choice as I would have lost the home. The MI payment is well over XXXX per month for the past 12 years and I am upside down in the home. Is there anything you can do to assist me

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 01/26/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Using a debit or ATM card

Complaint: I lost my ATM Debit Card and requested not just XXXX card as a replacement, but I requested XXXX cards. I am a senior and a veteran and due to my medical condition, I need XXXX cards. Bank of America said they were unable to provide me with XXXX cards for my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen has taken several payments and took over 3 months to refund them they take more than the payment due each month and then call multiple times telling me i am not current i have contacted managers and no response i have had over XXXX issues with this company and no resolve

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2018 about Debt collection (Other debt) with CCS Financial Services, Inc. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX XXXX XXXX hasn't sent any correspondence, nor have they responded to letters sent in reference to a debt claimed. Date opened XXXX for XXXX. I've disputed this debt through credit agencies, however the debt was updated. I've asked fro verification including original contract/signatures and that hasn't happened.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Payday loan, title loan, or personal loan (Installment loan) with Kashia Services (CA).
Issue: Charged fees or interest you didn't expect

Complaint: Subject : XXXX XXXX XXXX subsidiary Inbox Loan Not Licensed for Lending Activity in the state of CA. 

I began to suspect suspicious activity from the lender when I received multiple calls to complete an application after I had already done so. I was receiving multiple calls, emails and voicemail messages from various representatives of the company to verify my bank account details and at one point received an email that my bank account details were verified although I had already completed over the phone with the representative days before. After receiving the loan, I reviewed my statement and noticed incorrect amounts that were not quoted, or reviewed with me, over the phone. In addition, the monies they were going to take out on the first payment were more than stated. After noticing all of the discrepancies I began to research and found out the company was not licensed to do business in the state of California which is where I reside. In addition, I saw several reports of the parent company " XXXX XXXX XXXX '' was not licensed to do business in several states and were known to do business under various business names one of them being " Inbox Loans. '' After finding this information I contacted XXXX Loans to request their license number and was told by several representatives that they didn't know it or that their Finance department was the only one that had the number. I contacted the Finance department and was also told by the representatives in that department that they didn't know it and my request would have to be escalated. I contacted the CA Department of Business Oversight and it was confirmed by a representative that XXXX XXXX XXXX and Inbox Loan had been reported and were not licensed but I would have to contact FTC to report it. The FTC suggested I file the complaint with the CFPB. I have received numerous calls and messages to collect monies on the loan, often times late at night or at work. I am frustrated and scared this organization will take the information provided and access my personal data, including financial data. Can someone please help!

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Keep receiving a bill from Transworld Systems for XXXX XXXX XXXX XXXX XXXX. I have asked for records, not just a bill or collection notice. I have no record of using this company - and I have no idea who they are. Then to send me a bill for {$440.00} after 8 months is bad practice and bad faith. In addition - I have requested these detailed records 4 times!!! I have never received them - just another bill/collection notice

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Debt collection (Medical debt) with Accounts Receivable Consultants Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have a medical debt ( that I do not dispute that I owe ). The current balance is {$150.00}. I have been making XXXX monthly payments and I continue to get repeated phone calls where they are leaving harassing voice mail messages. 

They called : XXXX XXXX XXXX My last monthly payment was {$25.00} on XXXX which was cashed by the company. 

I have always returned the phone call to a person who says their name is XXXX XXXX. 

Every time I speak to her she gets REAL NASTY and threatening me she is going to call my employer ( which is ignorant on her part since I do n't work ). And that even though I am making monthly payments " That is not good enough '' and " She is going to report me to the credit bureau and ruin my credit ''. 

I am making my monthly payments, returning their calls unlike most people that probably just avoid them and I am still getting harassed ( 3 times so far in XXXX month ).

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with PNC Bank N.A. (NV).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for assistance in saving my home from foreclosure with my servicer PNC Mortgage. I was denied for a loan modification and was offered instead to short sell my home. I hired an attorney / real estate broker to handle my paperwork and sale of my home. On XXXX XXXX, 2016 I was denied for assistance. My denial letter ( Attached ) states I can appeal my denial by XXXX XXXX, 2016. However my servicer PNC has set a sale date on my home for XXXX XXXX, 2016 and they state they will not extend that sale date. My attorney email 'd an appeal to that denial on XXXX XXXX, 2016 and PNC has not yet replied to that appeal. My attorney spoke with PNC advising them that they would be violating RESPA XXXX XXXX XXXX XXXX ) by continuing with the sale of my home while my appeal period was still in effect. I have this offer in writing ( see attached denial letter ). I simply want PNC to give me the opportunity offered to me both in writing in their denial letter as well as is offered by RESPA XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Credit reporting () with Franklin Collection Service, Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Franklin Collection Services sent me a letter dated XX/XX/XXXX, of which I did not receive until XX/XX/XXXX. Upon receipt of this letter, I immediately sent them a letter asking for them to validate this debt as indeed belonging to me and that I truly do owe them money. After this letter, I did not hear from them again until XX/XX/XXXX ( letter dated XX/XX/XXXX ) where I again sought debt validation from them. I finally received a letter from them ( see attached ) where they are stating that I requested a final bill. I DID NOT REQUEST A FINAL BILL FROM THIS COMPANY. MY LETTER ( SEE ATTACHED ) SPECIFICALLY STATED THAT I WOULD LIKE A SUMMARY OF ALL ACCOUNT ACTIVITIES, INCLUDING PAYMENTS MADE, LATE CHARGES, AND DATES OF CHARGES POSTED, COPIES OF SLIPS INVOICES, PROMISSORY NOTES AND ALL OTHER DOCUMENTS PROVING MY INDEBTNESS, COPIES OF ANY PAPERS THAT SHOW I AGREED TO PAY THEM WHAT THEY SAY I OWE THEM AND THAT THE PAPERS BEAR MY ORIGINAL SIGNATURE. Per the FCRA, I have a right to dispute and request validation for any item on my credit report. This company is reporting this account on my credit report and they DID NOT VALIDATE IT AS MINE ; THEREFORE THIS ITEM MUST BE REMOVED FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (OH).
Issue: Trouble during payment process

Complaint: - call on XXXX/XXXX/XXXX to SLS to request my escrow account be deleted as I 'd like to pay the taxes and insurance myself - was told at that house was at 82 % debt ratio and the escrow could not be removed until it hit 80 %. I asked many questions and th

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 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Public Records - XXXX County Tax Lien sent letter to XXXX, Equifax, XXXX and XXXX XX/XX/XXXX requesting the Tax Lien be deleted as the item was Paid Off in XXXX and it was refused.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Debt collection (I do not know) with SYNCHRONY FINANCIAL (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This particular phone number called five times yesterday and four times already today ( XXXX/XXXX/15 ), but will not leave a voice mail. When i searched the phone number, it shows repeated complaints about this being a debt collection agency called GE Money Bank that makes repeated calls to individuals on the same day or even just one day after a payment is due on a debt. I am not late on any debt payments and do not have an account affiliated with this group that I am aware of. And, it appears I will have to block them to get them to stop calling my cell phone.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2016 about Debt collection (Medical) with California Business Bureau, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: After Checking my Credit Report recently I noticed an owed amount of {$670.00} to the California Business Bureau, INC. collection agency. I called them and paid the amount in full. ( 1 ) it is still on my credit report. ( 2 ) I just received a new bill from them for an additional {$3400.00} - my credit report has no record of this debt / I feel they are making up a phantom charge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Debt collection (Other debt) with EQUIFAX, INC. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: EQUIFAX : Has listed on my credit report a debt collection from XXXX XXXX XXXX Acct # XXXX. I have asked them several times to verify this account with me and to send me verification of this acct. Within the timeframe. They have never verified anything. And this acct dated XXXX/2010 something from almost 7 years ago. They allow the company to report this on my credit report every month. An account that has never been verified. Also the company lists the date of acct as XXXX/10 and on another reporting system it is listed as XXXX/10 so the dates do not match up.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Debt collection (Medical) with WAKEFIELD & ASSOCIATES, INC. (MO).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: on two separate occasions a company identified itself as Wakefield & associates contacted my fiance and disclosed that i had a medial debt with them. They did properly verify who he was. I believe this is a violation of the FDCPA 3rd party disclosure laws and maybe even a Hippa violation. The calls were placed on XX/XX/2017 and XX/XX/2017. to pone # 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
Consumer complaint received 01-12-2016 about Mortgage (Conventional fixed mortgage) with Statebridge Company (RI).
Issue: Loan servicing, payments, escrow account

Complaint: State Bridge Company They service my mortgage. 

They rarely pay my taxes on time. 

I put calls into their office and I am told they will create a " ticket '' and get back to me. 

I am getting letters from the city tax collector. Again - I have called and they just say they will take my information and call me back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation