milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/13/2017 about Bank account or service (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. (FL).
Issue: Account opening, closing, or management

Complaint: I received an invitation from HSBC bank to open a new checking account and if I make two bills pay for three month, I will receive bonds of {$370.00}. I went to branch and open the account back on XX/XX/XXXX. I met the requirements but I did not receive what I was promised. 
I called the XXXX # three weeks ago I was told we will investigated and get back to you in 24 hours. I never heard back. I stooped at branch I spoke with XXXX and XXXX the person who open the account for me. I was told it take three months after I met the requirements I told him that passed a few month ago. She called the XXXX # and was asked to submit a request to investigate the mater and I will get a call in a day or two. Two weeks passed by never heat back. I called again XXXX said that I did not meet the. I have been make bill payment more than XXXX times. Some one has to hold those people accountable for the misleading services. PLEASE SEE BELOW. 
XX/XX/XXXX PAYMENT TO XXXX XXXX XXXX PYMT {$100.00} XX/XX/XXXX PAYMENT TO XXXXELEC PYMT {$59.00} XX/XX/XXXX DEPOSIT {$2800.00} XX/XX/XXXX ONLINE PAYMENT TO XXXX XXXX PROCESSED ON:XX/XX/XXXX REFERENCE NUMBER : XXXX {$460.00} XX/XX/XXXX PAYMENT TO XXXX-XXXX {$1400.00} XX/XX/XXXX PAYMENT TO XXXX XXXX XXXX XXXX {$65.00} XX/XX/XXXX PAYMENT TO XXXX XXXX XXXX {$84.00} XX/XX/XXXX PAYMENT TO XXXX ONLINE-PAYMENT {$250.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX XXXX-ELEC PYMT {$52.00} XXXX/XXXX/XXXX DEPOSIT {$2800.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX XXXX {$62.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX XXXX XXXX {$77.00} XXXX/XXXX/XXXX PAYMENT TO XXXX-EPAY {$740.00} XXXX/XXXX/XXXX PAYMENT TO XXXX CARD ONLINE-PAYMENT {$370.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX XXXX XXXX {$80.00} XXXX/XXXX/XXXX PAYMENT TO XXXX-EPAY {$16.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX XXXX {$180.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX DEBIT-ELEC XXXX {$51.00} XXXX/XXXX/XXXX PAYMENT TO XXXX-EPAY {$54.00} XXXX/XXXX/XXXX PAYMENT TO XXXX CARD ONLINE-PAYMENT {$570.00} Debit ( - ) Credit ( + ) XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX XXXX XXXX {$80.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX DEBIT-ELEC XXXX {$52.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX XXXX {$200.00} XXXX/XXXX/XXXX PAYMENT TO XXXX CARD ONLINE-PAYMENT {$540.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX XXXX XXXX {$80.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX DEBIT-ELEC XXXX {$52.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX {$360.00} XXXX/XXXX/XXXX PAYMENT TO XXXX CARD ONLINE-PAYMENT {$100.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX XXXX {$570.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX XXXX XXXX {$70.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX DEBIT-ELEC XXXX {$52.00} XXXX/XXXX/XXXX PAYMENT TO XXXX CARD ONLINE-PAYMENT {$100.00} THANKS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-03-2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This 3rd party debtor is Midland Funding ... I am a sick woman on XXXX my bills are more then what I get from XXXX..I have been in and out of the hospital, almost died several times. I lost my soul mate of 15 yrs XXXX XX/XX/XXXX, I had to get a work at home job to try and make ends meet, I did not know anything about this debt til they filed for garnishment of my wages which I was only notified by my job not them, then when that did n't work and I called them and they said they served me but could not describe the person they served they then sent me a letter saying they did not have to prove i signed the document for this debt, when that did n't work they tried to freeze my bank account, which my bank notified me of and I then filed a motion in court to have it thrown out, that is how I found out through the court they filed XX/XX/XXXX, I never heard or was notified of any of this. I am waiting on a court date to go to court to see if the judge will see a economical hardship or head of household hardship and have it thrown out, for them to never be able to come back at me again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/30/2018 about Debt collection (Medical debt) with Io, Inc. (VA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: My understanding is that XXXX XXXX has assigned a debt to XXXX XXXX XXXX   for collection and based on my research the balance is now {$100.00}. I became aware of the debt based on alerts from XXXX  and XXXX and other than that have no information on the proposed debt. I received no information on any balance from XXXX XXXX and also have received no information on a balance from the collector.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2018 about Debt collection (I do not know) with McCarthy, Burgess & Wolff, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: For weeks I have been recieving calls from a phone number which my XXXX identifies as XXXX, but the recording says it it from XXXX ( XXXX, I guess ). It gives me the reference number XXXX. When I first called then back, they told me that they were trying to collect a debit from XXXX XXXX XXXX, at a specific address in XXXX, Fl. I told them that this is not my company and I do not have any connections to the address they gave me. They asked for my phone number to lookup their system. I gave both my home and cell. They couldnt locate it on their system. They told me it was a mistake and they would update their system. That was during the first week of XX/XX/XXXX ( I kept the voice mail recording ). Since them, they have called me at least 10 more times, twice this week alone. For the first few, I ignored. The last two I answered and I got really aggravated as they still can not locate an acount with my phone numbers but somehow keep on calling to bother me with a debit of someone else. What else is left for me but to have an ulcer over this?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY ().
Issue: Deposits and withdrawals

Complaint: In XX/XX/XXXX I opened an IRA with Wells Fargo - XXXX XXXX. I explained at the time that I live in XXXX, but was anticipating a pension payout from a previous employer in the XXXX. I explained that what I wanted to do was roll the money from the employer, into an IRA, then make a drawdown on the IRA and have it electronically wired to my bank ( XXXX 's ) in XXXX. 

The rollover to the IRA happened in XX/XX/XXXX, as anticipated, and a drawdown was placed into my savings. When I requested to have the funds wired through XXXX 's XXXX to my XXXX 's account in XXXX, I was told this could not happen. I was then told I needed to make daily withdrawals from an ATM to get the money. I explained there were no Wells Fargo ATMs in XXXX. Wells Fargo reported that this was the only way I could get the money. Each time I made a withdrawal from the ATM, I was charged a {$5.00} fee for using a non-Wells Fargo ATM. I was also limited as to how much I could withdraw on a daily basis, to {$500.00} ( XXXX ). After about XXXX trips to the non-Wells Fargo ATM, the bank manager at XXXX XXXX increased my daily withdraw limit to {$1000.00} ( XXXX ). 

It took me all of XXXX, all of XXXX and into XXXX to obtain the funds using the ATM, which resulted in incurring ATM charges in the hundreds, which were far in excess of what it would have costs to make a simple electronic transfer to my bank in XXXX. 

I feel I was lied to from the very start! Wells Fargo should have told me from the very start that they were not able to electronically transfer the money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08-01-2017 about Checking or savings account (Savings account) with SYNCHRONY FINANCIAL (TN).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: opened high yield savings account XX/XX/XXXX received XXXX for XX/XX/XXXX and XX/XX/XXXX nothing received since account was not kept up with until recently discovered upon discovering account we tried to find where it was and found that Metlife Bank had been acquired by GE Capitol Retail Bank and after that Synchrony Bank After contacting GE Capitol we understood that they received account number and name but no funds We contacted FDIC and was told that they do n't keep up with individual accounts only the institutions

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 02/28/2018 about Vehicle loan or lease (Loan) with Coastal Credit, LLC (VA).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: Coastal Credit at the end of my loan term stated that I owed an amount of approximately {$230.00}. I continuously asked for a payment history and options to pay this amount as the business was no longer from my understanding in Virginia. I called Coastal Credit several times without success to receive this information. I became very ill and lost contact with this company. I then begin to receive calls advising that the balance had gone up to over $ 16K which is basically the amount paid for the vehicle. This amount I am told is interest, including late fees and charges assessed for an Attorney. 
Had Coastal Credit and namely an employee by the name of XXXX XXXX given me the information I requested various times rather than tell me to contact their attorney and when I asked for the attorney information then advise me that he could not give me that information that I would need to get it, this could have been rectified. 
Today XX/XX/XXXX I was transferred to an individual by the name of XXXX that advised me that I was taken to court in XX/XX/XXXX and they received a judgment for $ XXXX I called the court the courts state there is a document signed by me, yet I did not appear so who signed this document. Then XX/XX/XXXX someone by my name came to the court and filed an exemption to stop a garnishment, that is not possible as I was injured at my job XX/XX/XXXX and then back and forth to physical therapy so I again could not have appeared in court for this either. This situation has me very confused and very stressed. I am going to the courthouse to obtain these documents that I supposedly signed. My main concern is how a company can take such a small amount owed and turn it into another vehicle purchase price amount. I now have another court date on XX/XX/XXXX in regards to this situation and the fact that I have not made any payments. Their lack of honesty and lack of providing a running statement that shows beginning balance and credits has proven to be very questionable.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Credit line increase/decrease

Complaint: I originally purchased living room furniture from Ashley Furniture and the XXXX time my husband reclined in the sofa the back broke off. They replaced the sofa. The XXXX time I purchase a bedroom set the beginning of XXXX and it was delivered ( without all the hardware to put it together ) on XXXX XXXX which was my grandsons graduation day. The furniture stayed in my living room for weeks and had to have a graduation party with it in the middle of my living room not to mention my husband missed my grandsons graduation waiting on someone to come back to move it but never showed up or called. Several people have come to the house on several occasions to put it together still without the hardware and we have had to take off of work each time to meet them. Since then we have had several people come back still without the hardware to put it together. They finally came back with the pieces to put the bed together but still waiting on the peices to put the mirror on the dresser. Bought in XXXX and here it is going on XXXX. I can not get a hold of customer service and the store is not giving me any service or returning my phone calls. I will never buy another thing from Ashley Furniture again therefore I do not want the credit limit increase on my card. Please take it off.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX XXXX- 13 year old account still hanging with on, should be eliminated.
Numous letters and disputes XXXX has been paid off for many years I'am a two time XXXX XXXX with a XXXX XXXX and XXXX XXXX and the CEO does n't give a dam about individuals who are XXXX and some of these events occurred during this period of time. I have documented paperwork to provide stating my XXXX and still the CEO will not respond.

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 09-12-2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (TX).
Issue: Trouble during payment process

Complaint: on XXXX XXXX, XXXX my mortgage was sold to SPS select portfolio services from XXXX my monthly payment was {$570.00} at that time which I had a loan modification with XXXX which is not being honored by SPS, now in XXXX XXXX, 2017 monthly payment is {$1200.00} I have called them 3 times trying to figure out why is my payment so high with no decent answers on XXXX XXXX, XXXX XXXX and XXXX XXXX I have reported them to texas attorney general also and I have not heard from them. I want to know if I could sue them, the reason I have not got a lawyer is because I m on social security XXXX income barley making ends meet with this new payment. I have looked up this company SPS on the internet and found out that they are well known for there predatory practices that a lot of there customers would love to sue them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (HI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 06-02-2015 about Debt collection (Medical) with Harvard Collections, LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Harvard Collection Services owned this debt with account number : XXXX. I contacted Harvard Collection Services to verify this account that was not being reported accurately on my credit report. Harvard sent me a letter on XXXX/XXXX/2014, after reviewing their account on file they were deleting it from my credit report. The account was deleted from all three credit reports. Two months later the same account was sold to " XXXX XXXX '', I contacted them several times to dispute this account that had been closed. XXXX did not respond to my debt verification disputes for the past few months. XXXX resold the same account two weeks ago to another collection agency called " XXXX XXXX XXXX XXXX, formerly Integrity Solution Services ''. This account was closed from the original collection agency due to inaccurate reporting, and now has been affecting my ability to establish credit. XXXX has been ignoring my mail correspondence regarding the validation of this debt, and sold it again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Mortgage (Conventional fixed mortgage) with Finance of America Mortgage LLC (CA).
Issue: Settlement process and costs

Complaint: I was in a mortgage refinance process with Finance of America, LLC. Near the end of the process, a separate company offered me a much better interest rate and significantly lower closing costs on a same term ( 30 yr. fixed ) loan. I asked my loan officer, XXXX XXXX, if there were any penalties or policies against me terminating my process with Finance of America. He assured me there were no fees and no laws against cancelling the process. As a result, I decided to end my process with Finance of America. During the initial loan process with Finance of America, I made a payment to Finance of America for {$440.00} for an appraisal of my house. Finance of America refuses to transfer this appraisal to my new lender company. All that is required of them is to email a release on company letterhead to my new lender, which has been requested several times by myself and my new lender. Requests were made to XXXX XXXX, XXXX XXXX, and XXXX XXXX. There are no laws, rules, or regulations in the mortgage industry preventing this and after some research I learned that nearly all lenders will perform this service when requested. As a result of Finance of America not transferring my home appraisal to my new lender, I am required to purchase another home appraisal at an additional {$440.00} cost to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I have called equifax to see why i have good standing accounts that are not being reported, i have contacted the companys first to make sure they have been and they have replied back that they have investigated and are for sure reporting accurate information. But when i contact equifax they tell me to contact the companys again in which i have done so but still have the same outcome

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Trouble during payment process

Complaint: In  XXXX - XXXX , I made futile attempts to refinance my mortgage with Countrywide Financial at a time when a failing Countrywide was being acquired by Bank of America ( BofA ). I later tried to refinance/modify the mortgage with was BofA ; however, I became suspicious when given inaccurate information, told to skip payments, and learned that their mishandling of paperwork was probably the reason for the inability to service the mortgage ; so in  XXXX , I stopped making payments.
Needless to say, Bof A hired a law firm to pursue foreclosure (  XXXX  ). I responded with a Qualified Written Request ( QWR ), for the original promissory note and its assignments. A notice of insufficient response was also sent, and they consequently ceased collection efforts.
Three years later, BofA hired another law firm to pursue foreclosure ; however, they had produced a transfer of assignment, dated  XX/XX/XXXX . My complaint is not only was the transfer of assignment communicated three years late ; thus violating the mortgage contract, and the Real Estate Standards and Practices Act 12 U.S. Code 2605, but also that the transfer of assignment contains a commonly reported " robo-signature. '' Further, by having the second law firm file this fraudulent transfer with the   XXXX   XXXX   XXXX   Court, they have violated the National Mortgage Settlement.

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 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
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: My FICO score dropped drastically for no apparent reason. My FICO scores changed as follows : XX/XX/XXXX = XXXX, XX/XX/XXXX = XXXX ( drop of 102 points ), XX/XX/XXXX = XXXX. <P/>These FICO scores were obtained free-of-charge through my XXXX account. After some investigation, I found that the FICO score is based on the TransUnion credit score. I checked the TransUnion score on XXXX XXXX and, sure enough, it dropped during the same time period. XXXX XXXX reported the following for my TransUnion scores : XX/XX/XXXX = XXXX, XX/XX/XXXX = XXXX ( drop of 61 points ), XX/XX/XXXX = XXXX. <P/>I ordered a copy of my TransUnion credit report and can find no reason for the sudden drop in XX/XX/XXXX. I called TranUnion for an explanation but the person that I spoke to ( XXXX ) simply repeated that I would have to go back to the company that reported the negative information. I stated that there IS NO negative information based on your own report. She repeated the same answer several times as we went back and forth with this. I finally asked to speak to a supervisor. After being on hold for approximately five minutes, she came back on the line only to say that all the supervisors are in a meeting and she ould have one call me back. She confirmed my contact information and we ended the call. I have not yet received a call back from a TransUnion supervisor. <P/>I want to know why TransUnion dropped my score so drastically ( subsequently affecting my FICO score ) when there is no derogatory information on my credit report. I worked very hard to get my score where it was and I 'm looking for an explanation. If it is based on some credit behavior of mine, it is most definitely not apparent what that behavior was since there has been NO derogatory behavior on my report in the last five years! <P/>I will provide my full TransUnion credit report ( dated XX/XX/XXXX ) upon request ; I 'm not comfortable submitting it through the web portal.

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 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I pulled my credit file and I have noticed a few unauthorized activities that have taken place. The accounts that I have marked are inaccurate and have obviously been altered. I do not identify origination dates on those accounts, nor authorized any of the accounts listed below. My credit was injured vastly without my consent, no authorization to obtain money, goods, credit, loans, or services. Neither did I receive any benefit from this horrific situation. I am willing to work with the authorities. Someone has clearly been using my information since. I have filed a consumer complaint with the Federal Trade Commission XXXX. I WILL ALSO FAX AFFIDAVIT AND WANT THIS ERROR GONE WITH IN XXXX AS DICTATED BY FCRA.

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