milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: On XXXX/XXXX/XXXX, I charged my HSBC credit card {$20000.00} to pay XXXX XXXX XXXX XXXX XXXX XXXX for tuition on behalf of my son. On XXXX/XXXX/XXXX, I paid back the entire {$20000.00} to HSBC to avoid interest charges. On XXXX/XXXX/XXXX, XXXX refunded {$19000.00} ( tuition refund ) to me through my HSBC credit card. On XXXX/XXXX/XXXX, knowing that my credit card account had money, I used the mobile app to transfer {$19000.00} between accounts, from my credit card account to my savings bank account. On XXXX/XXXX/XXXX, I found out my credit card was charged {$590.00} ( see attached statement ). I called HSBC and the agent told me its for a cash advance fee on {$19000.00}, the tuition refund that I received. So, I paid a cash advance fee on my own money. I was told that any time I transfer from a credit card account on my own, I would be charged a cash advance fee regardless of whether I have money in the account or not ( i.e. refund/overpayment ). I told him I was unaware of this, and it is unfair and makes no sense that I have to pay a cash advance fee on my own money, HSBC didnt pay me any cash at all. The agent was very nice ; he helped me to submit a request to waive the cash advance fee as a one-time courtesy. The request needed manager approval, but he was unable to get the approval because the manager was unavailable. He said I should receive a call around Monday, XXXX for the outcome. By XXXX, I had not received a call, so I contacted HSBC again. This time, the agent retrieved my request, and tried to get manager approval for me, but then she informed that there was a manager meeting in progress and I should receive feedback within 2 days. After two days on XXXX, I called again, another agent tried to get the managers approval for me, but yet again, the manager was unavailable. The agent told me I would receive a call once its done. I am frustrated ; it seems like the XXXX is avoiding me. I made all calls during the regular business hours and as of today, I have not received a single call from HSBC. It is also worth noting that the HSBCs mobile app and website allow people to transfer easily from credit card account to savings/checking bank account, but there is no warning that a cash advance fee will be charged even if you have money in your account ( see attached Transfer between Account ). Other banks ' websites dont have the option to transfer money from credit card account to bank account. For instance, Chases website doesnt allow any transfers from a credit card account to savings or checking account ; you can only transfer from savings/checking account to credit card account. I have tried to resolve this issue with HSBC, but was not successful. I hope Consumer Financial Protection Bureau can help me. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX XXXX / Pinnacle Credit Services , LLC is re-aging debt to the XXXX credit bureaus : XXXX, XXXX and XXXX. They are reporting the open date as XX/XX/XXXX. They refuse to send any documents validating the date they are reporting. I am including in this complaint, correspondence from the original creditor, XXXX XXXX, and the date the account became delinquent, which is XX/XX/XXXX. I am also including a bill from the creditor stating the date of services is XX/XX/XXXX. I am also including the pages from my credit report showing this company is reporting an inaccurate date and re-aging this debt, which is extremely illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Mortgage (Home equity loan or line of credit) with CIT BANK, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Good Evening- in XXXX I received an approved loan mod with my first lien holder and then in XXXX I reached out to my 2nd lien for a modification ( HELOC ). I called 2nd lien and was advised to send in a written request and a copy of the 1st lien approval. I was never acknowledged after several phone attempts. Last month I reached out to the 2nd lien again proposing a settlement offer. I was informed for the first time that my loan had placed with a collection company. When I contacted them andprovided the requested documentation I was declined the settlement offer. When I asked about the other options I was again told for the first time that the loan was charged off. They did tell me that I could either pay the loan off in full ( balance is $ XXXX ) or I could pay an initial amount of {$14000.00} and then make monthly payments of {$400.00} for 6 months and then status of loan would be reviewed again for a settlement payoff or the continuation of the {$400.00}. If they would have acknowledged my initial request for a loan mod review I would not be in the position, not to mention the status of this loan is destroying my credit. I am in a charge off status but I continue to get regular mortgage statements. For this reason I am requesting your help thanks

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with AllianceOne Recievables Management (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I 've been accused of allegedly owing over $ 10K for various parking citations from AllianceOne and their sister company XXXX in Washington state ; that I know is completely false and they were already paid. Prior to me paying my balance online on their website and sending money for payment arrangements they garnished my wages through my employer ( which I was unaware of a case against me nor was I notified until the day my employer start garnishing my checks ). I was n't notified properly of any notification of any judgment. They are using false, deceptive and misleading means to collect debts and communicating information to credit reporting agencies that it should have known to be false, using abusive practices and is in violation of the FDCPA. In addition to, their sister company harassing me. After sending dispute letters in order to have some sort of resolution to both of these companies, I got no result. This has been on-going since 2011. I believe they are cheating the state and not telling the truth about their pratices. These entities are adding interest on a daily basis causing more debt for the individuals who are debt.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX this company pulled my credit and I did n't authorize this company to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Problems caused by my funds being low

Complaint: I have had several bank accounts with Bank of America and XXXX, I am on XXXX so things are tight for me and I get overdrafts sometimes. I get my check once a month, they would sometimes not pay something or let go through just to apply XXXX or XXXX overdraft charges, you get a overdraft charge of XXXX, a nsf fee of XXXX and an extended overdraft charge fee once a week for as long as overdrafted. The accounts become overdrafted and you ca n't pay back so they close the account, and show overdrafted your checking and your savings, they have yet to explain to me how you overdraft a savings account. The savings account is to help keep from overdrafts if you have money in it. Once the account is closed the negativity is showing in both savings and checking and when go to pay it they make you pay the savings and checking so you pay twice for the overdraft fees and whatever is paid through the checking account. The savings account should not go into negative as there is nothing taken out of it. I do n't think it is right to have to pay XXXX accounts when only the checking account has over drafts and payments coming out of it.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I paid my car off on XXXX XXXX 2017 with XXXX XXXX XXXX.
The Credit reporting agencies are reporting that my account is in delinquent/collection charge off and that I owe this company {$43.00}.
This is not true. I have contacted all three credit reporting agencies and XXXX XXXX XXXX. I have submitted accurate PAID IN FULL information to all crediting reporting agencies and they still tell me XXXX XXXX XXXX is still reporting 38 days later that my account is deliquent and a collection charge off. WHICH IS FALSE reporting from all credit reporting agencies and the company I had my car loan with. It is damaging my credit I have worked so hard to rebuild after my bankruptcy discharge. I was promised by all three reporting agencies and the company .. that it would change it to a paid in full tradeline and it has been over a month and nothing has been changed. This has affected me financially and has affected getting my children proper college loans for their college needs which starts in four days.
Somebody please help me im at my wit 's end.
Someone please do something!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2016 about Bank account or service (Other bank product/service) with Fidelity National Information Services, Inc. (FNIS) (TN).
Issue: Account opening, closing, or management

Complaint: Ca n't cash IRS refund check at any store, i.e. XXXX or XXXX. Contacted Certegy and it was useless. Said it was risk factors set up in the software. Now have no idea what to do. How is it possible that there is a risk factor in cashing an IRS check?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I am extremely frustrated with Ditech. We have been faithful on our home mortgage for over 10 years now. We have never been late. Ditech has misplaced our payments causing me to go through grueling straints to prove we paid the amount and for them to find the payment. They have ceaced applying my monthly payments to our account and are repeatidly sending me loss mitigation paperwork. But, I have never been late on our payment. At current it shows I am almost {$9000.00} in the hole, yet when I contact them they state they have received my payments every month! They are not applying the payments to my account though. I contact our " account representative '' only to have to leave a message that is never returned. I am forced to make phone calls to them on a monthly, if not more frequent, basis. I am afraid my excellent credit score is being damaged by their mishandeling. I am past frustration and feel stuck. I do not know what to do and they ca n't seem to get their business straight.

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 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX consumer is in breach of the abritration clause the contract by selling it to a third party collection agency! XXXX has violated the abritration clause! XXXX consumer has sold this debt to XXXX XXXX XXXX! XXXX XXXX XXXX has not sent any correspondence in regards to buying the debt, they have not validated the debt! In the US law encyclopedia, American Jurisprudence, 73 am Jur 2d. Sections 90-93 ; it says that one can not subrogate onto a contract that they were not original on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, but they not give these rights to the collection agency. The collection agency can not act as a substitute for the original creditor.

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 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am a victim of identity theft. I have previously disputed with ChexSystems and have included new information in this dispute. I have attached a copy of the police report I filed. 

The following inquiries were not authorized by me and I request their prompt removal. 

XXXX XXXX XXXX Date : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX The following addresses are not associated with me and may be the result of fraud. I have included a copy of the police report showing where my identity documents were stolen. Previous disputes submitted to ChexSystems did not result in the deletion of these fraudulent addresses. Identity thieves are using some of these address to open accounts that are not associated with me and ChexSystems now has notification that these addresses are not mine. 

XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX null XXXX, TX 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 08/24/2016 about Debt collection (Auto) with MERCEDES BENZ FINANCIAL SERVICES (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I leased a vehicle from XXXX and financed it through Mercedes Benz Financial Services. The loan was fully paid off and the vehicle was given back to the XXXX dealership in XXXX XXXX, CA on XXXX XXXX. The vehicle was in pristine condition and I was well under the allotted mileage under the lease terms. Upon returning the vehicle, I was asked to pay a fee of {$640.00} as part of the lease return fee, which I made out in cash to the dealership. I moved from CA to NY last year and I made a trip specifically to remediate this process. It 's been over 10 months since I returned my car and paid all debts off in its entirety and MB contacted me on XXXX/XXXX/XXXX informing me that I still owe a debt of {$640.00} as part of the lease return fee. 

Mercedes Benz never attempted to contact me regarding this issue. They never sent me written communication regarding this issue until XXXX/XXXX/XXXX, when I received a notice in the mail. 

These are unfair practices and I 'm almost certain that the employee who took my vehicle back pocketed the money that was given to him and did n't settle my balance in full. Since it 's been almost a year, I did n't retain any copies of these records. However, the website for my account states that all debts were paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Debt collection (Medical debt) with Collection Information Bureau, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I am filing a complaint against this collection agency due to shady and unprofessional collection tactics. I had previously reached out to them because they obtained an old medical bill for services in XX/XX/XXXX and reported it to XXXX. This bill originally belonged to XXXX XXXX XXXX for {$200.00} which does billing for XXXX facilities and not XXXX XXXX as this agency reported. I had made a payment arrangement with XXXX of {$15.00} a month and the rep that I spoke with years ago advised that it would not be sent to collections. At the time that service was rendered at XXXX XXXX XXXX, I was unemployed and had no insurance. Then my account was sent to collections with no notification ; only the negative account on my credit report. Fast forward to XX/XX/XXXX when I discovered this collections account, I spoke to one of their reps, XXXX. I gave her my new address and contact information. She advised, " that if I paid this bill in full, she would definitely remove this account from my credit report. '' I researched this collection agency and they have a multitude of complaints filed against them. They have an F score with the BBB due to  deceptive collections tactics which are strictly forbidden by the Fair Debt Practices Collections Act ( FDCPA ). Since I was suspicious of the rep 's offer, I sent her a Pay for Delete Agreement letter and asked for her written confirmation or signature as an assurance that she would fulfill her verbal agreement. Needless to say, she denied my request and therefore I withdrew my offer. This collection agency is renown for lying to consumers just to collect on a debt. I just checked my credit report today and this agency is still reporting this adverse account which is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Student loan (Federal student loan servicing) with WELLS FARGO & COMPANY (IA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have had a monumental problem with Wells Fargo student loans. I have had these to loans under a single loan for years. Since I 've recieved these loans they have been running my money in ways that cause me late fees. Every. Single. Time. I send in my money every month and they put it in XXXX of my loans and never the other therefore I 've paid well into the Thousands of dollars so far. I have complained numerous times even multiple times a month to have this issue fixed and all that 's happened is me paying more unjustified fees on the simplest of transactions. I actually OVERPAY monthly to pay off my debt faster and yet they divide it in their favor. I have records of every payment every made to them I just ca n't get them to credit back all my money that they have basically stolen from me. As of recently they " lost '' my monthly checks, even with faxed in proof from the bank it was made to them they denied it and basically said tough luck. My Wells Fargo loan has absolutely demolished my credit and cost me incredible amounts of money in fraudulent fees, all for a higher education.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ME).
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: XX/XX/XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ... XXXX XXXX XXXX.  XXXX XXXX XXXX XXXX XX/XX/XXXX ... XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ... XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ... XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX I contacted all creditors with my Medical Insurance information, for them to correct their billing and reporting error, also reported thus information to XXXX XXXX XXXX, all said it would be corrected and removed, due to billings clerical errors in not billing my insurance, for I 've never been without medical insurance. This is still on and hurting my credit so I can not improve my score.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Debt collection (I do not know) with ESCALLATE, LLC (SC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked Escallate LLC to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to 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 11/18/2015 about Mortgage (Home equity loan or line of credit) with PNC Bank N.A. (NJ).
Issue: Application, originator, mortgage broker

Complaint: In XXXX 2015, I applied to refinance my HELOC with my existing mortgage company, PNC. I was informed that even though my FICO score was XXXX, I needed to have " XXXX successful trades '' in order to refinance and receive the same product. I was told I had only XXXX trades. I asked repeatedly what specifically was meant by a " trade '' but was never given a real answer. I was told it was a government guideline/regulation and XXXX the bank could not get around. I was informed, after asking, if paying off XXXX more bill would make a difference and told that it should. I rescinded my application, paid off a bill and three months later -- in XXXX 2015, reapplied. My FICO score is now XXXX and I am still being told that I do not qualify for a HELOC but must settle for an interest plus principal-type product. During this second attempt, I was initially told I needed a XXXX FICO score and " XXXX trades. '' Both of which I obviously had back in XXXX and then again in XXXX. I was later told I did n't have " XXXX trade lines. '' I have repeatedly asked for a federal regulatory number or other identifying information to corroborate this guideline they are using to deny my application for a HELOC and I am consistently denied this information. Each time I speak with a different loan specialist, I am given different information. I have your organization and others for information but no one has ever heard of such criteria. At this point, I can only assume this jargon is particular to PNC and used to deny clients certain products in the hopes that they can be assuaged into the lending product XXXX that PNC is currently XXXX on its clients to meet their profit margin. Please please look closely into PNC 's lending practices in NJ. Thank you.

Company response to consumer: Closed with explanation