milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/13/2016 about Mortgage (Home equity loan or line of credit) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: We received a letter today from Household Finance Realty stating they were going to take more money from our bank account because we have n't paid our taxes or insurance on our property.We always pay our own taxes and insurance on our property, This company has no reason to even take money other than the XXXX per week for our mortgage.When we refinced with them years ago they told us that if we paid weekly that our loan would be pd off in seven years so that is whar we did, we thought that was the best thing to do so when we got ready to retire we would have the loan pd off.When the seven years came about they were still taking money from our account so we called them and they said that was not the way it was suppose to be.Now they tell us we still owe XXXX on this loan and they are going to take XXXX more from the payment every week because we were late on our XXXX tax and did n't pay our school tax.We call our local off and we pd our XXXX tax XXXX XXXX and we do not pay a school tax because of the star program.We contacted our insurance company and we have always pd our insurance on time.I told this company that they do not have our permission to take anymore money out of our account, thsi company should not be in business, there have been thousands of complaints about them always saying everybody owes them more money, The government has to close this business up, so they cant take advantage of anymore people.We are contacting a lawyer to see why they are still in business even after the XXXX has had thousands of complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Debt collection (Non-federal student loan) with Asset Recovery Solutions, LLC (CO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: My phone has been off for about two months and it was turned on about two weeks ago. I started receiving calls from XXXX which i found to be asset recovery solutions. They constantly called my phone all day without leaving messages and at one point they called twice within one min. I did answer once and a man asked me to verify my social which i told him no. He said they had been sending letters which i have not received. I will be more than happy to speak to them when i receive some type of verification.

Company response to consumer: Closed
Consumer complaint received 04-10-2018 about Debt collection (Other debt) with Maury Cobb, Attorney at Law, LLC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I received a letter in the mail on XX/XX/18 from Maury Cobb Attorney at Law LLC attempting to collect a debt for XXXX. When I checked Florida Office of Financial Regulation ; I discovered that the company does not a license to act as collection agency in the state of Florida ; which is my state if residence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: In my three credit reports appear wrong information which could be fixed but the bureaus do n't report the correct information or remove the incorrect one. XXXX XXXX sent to me a letter fixing the wrong report on XX/XX/XXXX about a pay late they were reporting in my mortgage on XX/XX/XXXX by mistake and the bureaus have n't remove from my credit neither fix other wrong information about some debts I already paid and them do n't upgrade my report affecting me in my financial goals. If you need the information I have tell you I can send you when you ask me for. Please help me in this matter as soon as you can because I am trying to refinancing my home and this is stocking me. 
Thank you XXXX 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 08/18/2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This credit card account is just now coming to my attention. I did not open a credit card through HSBC bank based out of Nevada at any point.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Enhanced Recovery Company is once again reporting on my credit profile for a debt that I do not believe to be my debt. If this debt were mine once again I need to be served with a dunning notice before a debt appears on my credit profile. I have not received a dunning notice nor have I received any verifiable proof of this debt linking this debt to me. It seems as if this company simply creates their own rules and do not follow federal or state guidelines. By law I can not have accounts on my credit profile that do not belong to me nor should I have debts on my credit profile that can not be verified. If this continues to happen I will be forced to take this process a step further in regards to the law and seek legal counsel about this company ruining my 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 non-monetary relief
Consumer complaint received 08/29/2017 about Mortgage (Other type of mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Struggling to pay mortgage

Complaint: As our current CFPB complaint documents our property is contaminated and we have requested asssistance from our Mortgage Servicer without success. 

Nationstar/XXXX. XXXX indicated on XX/XX/XXXXduring a phone teleconference that they can not make any special exceptions for our contaminated property loan and our situation can only be handled the way they treat all properties that are not contaminated. 

It is well documented in the FDIC, XXXX XXXX XXXX, etc that a contamination that makes the property unsafe and uninhabitable directly impacts the value of the property. 

Prior communications with their representatives have documented : 1. There is no contamination department with Nationstar/XXXX XXXX 2. Nationstar/XXXX XXXX has no retention products for a property that is contaminated or uninhabitable. 

They indicated onXX/XX/XXXX that they cant make an exception for us because they would have to make an exception for everyone. 

Yet, the Seller Guide Update from Nationstar dated XX/XX/XXXX ( Enclosure ) reviews the issues of Water Contamination, acknowledges that contamination does impact property value including those homeowners in XXXX Michigan with contaminated homes secondary to lead. 

It appears that Nationstar provides these homeowners with a functional loan pathway and solution for homeowners with a contaminated property. 

What is the reason why Nationstar will not provide us with the same solution offered to the homeowners in XXXX Michigan whose homes have lead in the water above the safe drinking water limits Also, XXXX XXXX  representatives informed us they would consider a short sale instead of Foreclosure. They have as of today declined our request to short sale our property versus Foreclosure. 

It is my understanding that will sell the property at auction tomorrow with no disclosures of the contamination thereby obtaining a higher financial gain. As Enclosure 1 indicates any adverse impact the environmental hazard has on the marketability of the property is affected by the contaminated water supply. This is the same case for our property. 

We want to be treated fairly and not excluded from the same exceptions Nationstar has made for XXXX Michigan.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Have been disputing these items for over 6 months and still no recourse of VALIDATION of their accuracy. 

XXXX XXXX Please take off the late things from this account because I believe I made my payment that month. 

XXXX XXXX XXXX OF XXXX XXXX I am disputing the financial obligation because there is no contract. It violates the FCRA, so please remove this collection immediately. 

XXXX XXXX XXXX OF XXXX XXXX This item is in dispute because I believe the date of opening and date of last activity is not a 100 % accurate. Please remove this collection immediately for it 's inaccuracies. 

XXXX XXXX XXXX OF XXXX XXXX Please investigate this collections status, I do n't think it 's accurate. Please remove this collection for it 's inaccuracies. 

XXXX XXXX XXXX OF XXXX XXXX This item is in dispute because I believe the account number, name, and type for this collection are reporting incorrectly. Please delete this collection for it 's errors. 

XXXX XXXX XXXX Please take a look at this collections account number and balance because it seems off. I do n't think it 's 100 % accurate. Remove it from my credit report immediately please. 

XXXX XXXX Please perform an investigation on collection including the account name, account number and type of collection and delete this collection for it 's errors. Because it does not match my records. 

XXXX XXXX XXXX Under the FCRA XXXX I request a full investigation on the responsibility and the amount of this collection. Please remove this collection for FCRA violations because I do not believe it is accurate.

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 03/27/2017 about Credit card () with BARCLAYS BANK DELAWARE (GA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I had a Barclays luxury card. I pay off all my credit cards monthly. Someone added there name on my card as an authorized user. They charged my card up over XXXX in one week. The charges were n't even in my area. I disputed the charges. I had been in contact with Barclays for many weeks/months. They charged back all the charges to my card and noted on the account that it was a XXXX issue because I was married. I have never been married in my life. I am very honest person. Why would I intentionally ruin my credit. There were numerous cards that this happened too. I noticed this person added their name on my accounts as an authorized user.I started getting mail in this persons name at my house. I filed a police report. I had to go to the post office to have this person name flagged. I started received all types of mail and things from XXXX at my address. This has never happened to me. I never got a phone call from Barclays or any mail for the steps that I needed to take. I assumed my credit card company which I trusted would protect me. They have treated me like I am a criminal. It sad that I am struggle and they think I would abuse my authority and ruin my credit on purpose. I have to do what is best to protect my children long term.

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 10/13/2017 about Debt collection (Medical debt) with Healthcare Collections-I, LLC (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: debt was paid and banner sent this company an email via XXXX who is an accounts manager that this account is paid in full.

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 10/28/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have an account on my credit report that does not belong to me and I want it removed. I have contacted the company that is reporting this account via phone and email and they could not even verify the account because they have the wrong date of birth listed for the account. I know that this is not my account and would like it removed and a complete investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
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 have attempted to contact all three Bureaus to remove delinquent accounts from my credit report. I have shown proof that my identity was stolen ( with the attached documentation ). I requested that each company show me PROOF of how each account was validated or remove them from my credit profile. I was contacted by each company with only a copy of my credit report and no other useful information. These delinquent accounts were NOT removed and there was no evidence of a " reinvestigation '' or results.

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 02/24/2018 about Debt collection (I do not know) with National Credit Systems,Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Company placed trade lines of {$3600.00} and {$130.00}, i have requested proof of debt and company has procrastinated with a request of an account number, which I do not have because it is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Checking or savings account (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. (NC).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I opened a checking account with HSBC, responding to an offer to get a {$350.00} bonus. More information about the bonus can be found here : XXXX XXXX XXXX I apologize that this link is to a third party, but I no longer have access to the promotion on the HSBC website . The terms described on this website matched those that I saw on the HSBC site. As you can see, the bonus required me to make 2 bill payments in each of 3 months in the first 120 days after account opening. 

HSBC dragged their feet about opening the account, but I received a Welcome to HSBC email on XX/XX/XXXX and I promptly established online access to the account. 

I made two bill payments in XX/XX/XXXX, four in XX/XX/XXXX, four in XX/XX/XXXX, and four in XX/XX/XXXX. I tried to space them to ensure that two would be  before the statement close date each month and two would be after. 

The {$350.00} bonus never posted. On two separate occasions, I asked via online chat about the bonus. In each case, I was promised a review and a decision by mail and email. I never received any decision form HSBC. 

The bank has been non-responsive, and I no further interest in banking with them, but I'm afraid to close the account out of fear that it would then be impossible to get the bonus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with RentDebt Automated Collections, LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The debt is not owed by me I was promised by previous owners of the property due to being threatened on my livelihood I would not be held responsible I also was forced to move out of the property and no where to live! I never received any info until this was blindly placed on my credit the account has been removed from my XXXX report and should be on XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Debt collection (Medical debt) with Bonneville Billing and Collections (WA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: My medical bill is actually from federal workmens comp personal injury with XXXX XXXX

So the collector sued me and my husband but we never got the summon. I had to go down to clerk downtown and get copies of of declaration of service and funny they said we my husb and i accepted its XX/XX/2016 at XXXX XXXX.. a Monday.. well only the dogs are home at that time of day. also its my debt. For my personal injury. Why are they suing my husband. I have insurance with VA. And we also have his. I sign the paper that i will be responsible for the bill. Also, the same bill is Also being mitigated in superior court for XXXX.

It has been there for a while. So in the end the collectors will get 2 payments! They wont work with me either to pay it off.. and since i am XXXX XXXX XXXX cuz of my XXXX from the service. This XXXX started yelling at me and calling me rude and he said he will flag all my calls because i am just wasting their time.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2016 about Debt collection (Medical) with Credence Resource Management, LLC (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was contacted by a couple different collection agencies. Unfortunately I was not aware of the difference at the time because the representatives who contacted me spoke in a mumbled voice and had heavy accents. XXXX XXXX XXXX XXXX stated that I owed them {$2000.00} on XXXX/XXXX/XXXX. I spoke to them on the phone several times however we did not reach an agreement for the settlement. I continued to be contacted, unaware of the new agency, and continued to try to settle. At this time I was being contacted by XXXX who started to contact me on XXXX/XXXX/XXXX in reference to the same account number. Finally on XXXX/XXXX/XXXX I reached a settlement with XXXX XXXX XXXX XXXX to pay my account number XXXX. I received a paid in full receipt and the agreement in writing. The original debt was still the " XXXX XXXX XXXX '' debt I was talking to them about this whole time. Well when I check my credit report I was sent to collections by " Credence '' for the " Key Vaca Physicians '' debt which I thought I had settle earlier that month. XXXX XXXX told me specifically that I was paying my debt from the " XXXX XXXX XXXX '' in full with them in the amount agreed upon. I did not know that part of the debt had been forwarded elsewhere, and they tricked me into believing that I was cleared out this debt in full. Had I known this I would of continued to try to settle the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information, which puts me and millions of other people at risk.I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.They did n't notify thee public quick enough, The CEOs sold their stock in the company before the story broke aka Insider Trading.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX, reporting on my credit report account number ending in XXXX is reporting a late delinquency on XXXX of 2016 through XXXX of 2016, which is inaccurate, and only experian is the one who is reporting this inaccuracy, i have tries to dispute through them but they are not being helpful at all, i am attaching the creditors letter to this complaint, which i have also provided to experian. please have this removed from experians reporting. thank you for your cooperation

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 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Acct has XXXX $ balance please delete from my Equifax and XXXX credit reports! You cant collect from a {$0.00} balance

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2015 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: On XX/XX/XXXX, I submitted a dispute to Equifax regarding XXXX XXXX XXXX ( ACCT # XXXX ) and originally requested that the debt be validated. There response was received after 30 days on XX/XX/XXXX stating " This creditor has verified to OUR company that the balance is being reported correctly ''. I submitted my dispute online after receiving this as requested another investigation disputing the date of the first delinquency. On XX/XX/XXXX, after my own investigation with XXXX XXXX XXXX, and the City of XXXX where the home was purchased, I informed Equifax that XXXX under the Fair Credit Reporting act misrepresented the debt owed as my last payment to XXXX XXXX XXXX was XX/XX/XXXX and my first delinquency was in XX/XX/XXXX. The debt was never brought current or paid on after XX/XX/XXXX to XXXX XXXX XXXX or any creditor. According to the Fair Debt Collection Practices act ( [ 15 USC 1692e ] ; 807 ) XXXX XXXX XXXX can not legally make false representation of " the character, amount, or legal status of any debt ''. They are in violation of this act 1 ) the statue of limitation is in Virginia is 5 years from the date of the first delinquency ; and 2 ) they continue to inaccurately report the first delinquency date so they can continue to continue report it on my file and try to collect on the zombie debt. In addition, the original creditor ( XXXX XXXX XXXX ) shows that the first date of delinquency was XX/XX/XXXX on my Equifax credit report. I have tried XXXX via online and writing to request that Equifax report this information to no avail. I have also being writing to XXXX XXXX XXXX via telephone and by mail about the debt since discovering it on my report in XX/XX/XXXX. They have responded to my correspondence and phone call with " we received your request and our research department is looking into your inquiry. Equifax is violating the Fair Credit Reporting act as is XXXX XXXX XXXX and XXXX XXXX XXXX is violation the Fair Debt Collection Practices act.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN EXPRESS COMPANY (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: PLEASE REMOVE XXXX XXXX AS AUTH USER : SS @ XXXX ACCT XXXX.

Company response to consumer: Closed with non-monetary relief