milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-06-2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The original case number was reported in XX/XX/2017, stating that my husband and I are in the middle of Short sale. I would like to report with proper documentation from XXXX that the house was sold on XX/XX/2017. The property address XXXX GA, XXXX. XXXX and XXXX do not own the house anymore and please see attached documentation that the amount owe needs to be taken off from our credit. This is no longer our debt, we sold the house. See attached closing documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Using a debit or ATM card

Complaint: My XXXX, FL, Bank of America checking account had {$1200.00} withdrawn in XXXX {$600.00} amounts on XX/XX/XXXX. XXXX more attempts to withdraw identical amounts were stopped by the bank. The bank called me and asked if the withdrawals were mine. I said no. Their fraud department reference # is ... ... ... .. 
XXXX XXXX, I opened a new account ( XXXX ) at the same bank and the old account was closed. A police report ( ... ... ... ... ) was made at the XXXX Sheriff 's Office, District XXXX, XXXX County Florida, FTC notified, XXXX credit bureaus notified and 90 day freeze added to accounts, US Postal Inspector notified. 
The bank had sent a replacement ATM card to an address other than mine on XXXX XXXX and my account was charged {$5.00} which I did not notice until XXXX XXXX. That charge was removed from the account and ultimately the {$1200.00} was returned making me whole financially. 
Since the bank records all telephone calls re : replacements, I asked their fraud department for details, such as information that the bank requested in order to send to another address, but was told that only the police could get access to that information. My interest was in knowing what personal information the thief had to enable him and her ( there were XXXX individuals involved ) to get the card so that I could take whatever additional steps were necessary to prevent further attacks. I am still interested in that information. The police said they seldom followed up because it was generally a waste of their time... 
Background Information : Ironically an article on ATM thefts at other BofAs in the area had appeared in the XXXX XXXX XXXX XXXX where card readers were suspected. I had opened my BofA account in XX/XX/XXXX and had never used the ATM card except at the branch where it had been opened - and only for cash withdrawals of {$100.00} or less. I do not and never have used a debit card for purchases. My address has remained the same for the past 28 years and so my initial suspicion was that a reader card had been on the local branch ATM. When asked they said they checked it every morning only. 
I really have no complaint with the bank other than that they sent a replacement card to another person at another address and the only notification I had was the {$5.00} charge followed by the attempted thefts. 
It seems to me there should be a better way of covering potential thefts when replacement ATM cards are mailed to other than the regular address - either a written notification or telephone call in addition to email.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (OR).
Issue: Loan servicing, payments, escrow account

Complaint: I had a loan opened XXXX XXXX with Beneficial for the property located at XXXX XXXX XXXX XXXX. The house was sold and the loan paid off IN FULL XXXX, XXXX. I have copies of closing title documents to support this. For unknown reasons, Household Finance Co ( FKA Beneficial ) posted the EXACT SAME LOAN amount and are showing it as current for an unsupported balance of {$62000.00}. They first posted this to my credit reports XXXX, XXXX, a full 7 years since the sale and payoff dates. Because of this, I can not obtain a new mortgage loan. When I contacted HFC, they could not explain to me how they arrived at this number, nor why they are showing it as " current '' though XXXX payments have been made to them towards this allegedly owed amount. I think they are listing it as CURRENT in an attempt to toll the 6 year statute of limitations in the State of Oregon to seek legal remedy for an implied breach of contract.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax was negligent in securing very important personal information that led to a security breach, affecting almost half the country 's population. We all know when this happened. I am also a potential victim according to their equifaxsecurity2017.com website. They have also failed to notify anyone in a timely matter after they discovered they had a security breach, instead waiting months to release the news.
Equifax is also attempting to capitalize on their own mistake by offering paid credit security services and also including hidden terms of service that waives the right to sue the company itself after their own negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NE).
Issue: Account opening, closing, or management

Complaint: In XXXX 2016, I was induced to open a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX AAdvantage points after opening a CitiGold account and then scheduling two bill payments from the newly opened account and making at least {$1000.00} purchases with Debit Card. 
Having completed the eligibility requirements, I inquired with Citi about when I would receive these points. I was extremely disappointed to hear from Citi about the outcome of case XXXX. After first offering the promotion, it appears Citi is refusing now to honor its promises. I appealed this denial citing several interactions with Citi representatives replying to my communication regarding the promotional offer. The debit card was not delivered to me several weeks late. Following communication has been initiated : XXXX, XXXX, XXXX, XXXX. I would like to point that I am in position of the promotional offer and screenshots made on XXXX/XXXX/2016, the day I applied for the CitiGold account, that clearly indicate the promotion code and Rules and Conditions and the fact I am eligible. 

I received the same form response that I was not eligible for the promotion without citing T & C of the original offer. While researching this issue online, I have found widespread complaints about Citi from other clients who found themselves in the same situation. 
I am extremely unhappy as I am currently in processes of transferring my assets over to Citi, but this event has seriously undermined my trust to your bank since such marketing practices are deceptive and misleading. I truly believe Citi must take steps to honor the bonus offer.

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 07-10-2016 about Student loan (Non-federal student loan) with SLM CORPORATION (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I agreed to co-sign my grand-daughter 's college loan, Sallie Mae, 2 years ago. They now have us paying for a loan that was to be deferred and I owe more than she does. We are XXXX and worried about this situation. Can you help us?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Monterey Financial Services LLC (CO).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I contacted this debt collector to disp [ ute the account and they have yet to validate the debt according to the mandatory processes provided by the FDCPA consumer protection law. They have failed to respond to my dispute within 30 days and have failed to note on my report that I have issued a dispute which is required the FDCPA Section 807 ( 8 ). They Are breaking the federal law and need to comply by removing the negative and erroneous information that is not in compliance to the reporting process of the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have had to forbearance my loan and the percent increased so much. I am currently looking into the school I attended. Because I did n't finish but I never received the balance left. And I do n't believe it was reported back to Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2015 about Consumer Loan (Pawn loan) with Cash Time Title Loans, Inc. (AZ).
Issue: Charged fees or interest I didn't expect

Complaint: i pay {$36.00} every 2 weeks for a {$300.00} title loan. Last month i called them and asked them to make the due date on my pay days instead of the opposite. they said its ok and i even made an extra payment to put it ahead. NOW they say i was late on a payment so the interest rate changes to around % 800 for the remainder of the loan. I made a couple payments and noticed my balance after paying them {$210.00} in payments, my balance was {$260.00}. they said its going to be {$280.00} next week after another {$36.00} payment. They said because i was late the balance will continue to go up after making {$72.00} payments per month. 800 % interest? really?

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Recently noticed a debt collection record from ERC ( Enhanced Recovery Corporation ) for XXXX account stated as opened on XX/XX/XXXX. I was not residing in US from XX/XX/XXXX to XX/XX/XXXX. Also I did not got any letter later for account opened in XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-06-2015 about Bank account or service (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. (GA).
Issue: Account opening, closing, or management

Complaint: 1. Despite confirming that I will be visiting the branch to collect the new account package, the relationship manager sent it through mail which caused significant delay in getting access to the account after it is funded. Email communication can be provided as evidence as needed2. After attempting to activate my online account through https : //www.us.hsbc.com/1/2/home/personal-banking on XXXX XXXX, no XXXX password was received as of XXXX XXXX despite the XXXX hours delivery Service Level commitment which is likely due to system fault as discussed with various HSBC staff3 . Relationship manager sent highly sensitive Personally Identifiable customer confidential info ( name, account number, address, Social Security Number ) through an unencrypted zip file attached to an email in violation of HSBC information security policy and industry best practices / regulations ( e.g. XXXX ), putting customer security and privacy at significant risk. Such information was never requested by me and Email communication can be provided as evidence as needed4. During customer support call on XXXX XXXX, customer service staff provided falsified information regarding the password delivery time by stating it will be delivered to my mobile device within XXXX minutes ( where it should be XXXX hours ) with the sole intention of ending the support call without resolution5. During the second support call on XXXX XXXX, customer service supervisor confirmed a call back from a US-based support staff with knowledge of my case and resolution at XXXX EST on XXXX XXXX. However, no attempt was made to contact me until I initiated contact with HSBC later that day. The supervisor also provided a non-existent / falsified customer service case number with the intention of ending the support call without resolution. All subsequent HSBC staff that I contacted has no knowledge of the nature of the incident / complaint demonstrating significant communication issue between onshore and offshore ( XXXX ) support teams6. As of XXXX EST XXXX XXXX ( 7 days after account creation ), the bank has not offered any means to access the account placing customer funds at risk

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: to whom it ma concern ; I have mailed multiple letters to all the CRAs on XX/XX/XXXX by certified mail in regard to the accuracy of the bankruptcy on my credit report. They received the letter right away on XX/XX/XXXXand replied after 2 days that it has been verified and that its mine through XXXX XXXX. I called XXXX XXXX to confirm if the CRAs indeed verified it and they said no one called them and even XXXX  XXXX ca n't verify all my information since they do n't have enough datas, not even in my public record that matches on their system. I am a wife of a United States XXXX and literally left our lives behind in service for this country and I ca n't believe this is how they treat us. We are about to end our military service and planning on building my credit to purchase a house for my family and this report is hurting my credit score. under the new law effectiveXX/XX/XXXX, any public record data must include name and address as well as SSN or DOB in or for it to appear on my credit file. The credit bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.

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 10-03-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (OH).
Issue: Loan modification,collection,foreclosure

Complaint: I had asked for a payoff on my mortgage from Ocwen. I was startled to see that there was a {$52000.00} line amount that was titled Share Waive Adjustment. I called them and they stated I was in default of my loan modification that I had in XX/XX/XXXX. I defaulted in XX/XX/XXXX due to using the Save the Dream program. My husband was laid off and I was trying to save our house. I received a XXXX for the {$52000.00} in XX/XX/XXXX. I called Ocwen to ask about the {$52000.00} and why would I owe it now. It was explained that they could not add it to the mortgage. The Share Waive is for a loan called a Share Appreciation Modification where the loan servicer is entitled to XXXX % of the appreciated amount less any capital improvements for 3 years. I had read that I can reduce the Share Appreciation with Capital Improvements, so I had asked them if I could, they told me no. We just completely remodeled the kitchen. I had asked why I had received a XXXX for this. They could not answer me. Can you help me find out if I really owe this or if the amount can be reduced?

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2016 about Consumer Loan (Vehicle loan) with Auto Now Financial Services, Inc. (AZ).
Issue: Problems when you are unable to pay

Complaint: I voluntarily gave a car back I had less than 2 months due to this company having poor customer service and the car had too many problems. They took me to court less than 2 weeks after I gave them the car back and filed a default judgment before the 20 days I was allowed to respond without making any contact with me to do a payment plan for the remaining balance or any efforts to collect the debt. In less than 30 days before I even knew there even was a judgment, my wages are getting garnished and I never received any notice that my wages were getting garnished until I looked at my pay stub. I took them to court on XXXX to lower the percentage being taken out of my check from 25 % to 18 % yet they were still taking over 25 % of my check every check. On XXXX XXXX the balance was paid in full but they never filed a satisfaction of judgment with the courts. The beginning of this year I was told by the courts to contact them to file the satisfaction of judgment so I can give that to the credit bureau to get it off my credit. They are not only refusing to file it they claim I only paid {$2600.00} and I still owe them {$3900.00} but wo n't tell me that directly when I ask them for proof by giving me their accounting logs. I paid them {$6500.00} and have proof of that. I feel some sort of consumer fraud is happening on their part being they 're trying to double collect on a debt that has already been paid. They even changed the case number when submitting it to my employer for the second time making my employer believe it 's a new case for garnishment. They also keep sending any required papers to my old address from four years ago when they have been given my current address to try and get what they want without me being able to respond to it and it possibly being denied.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Debt collection (Medical) with Capital Accounts, LLC (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was rear ended in a car accident XX/XX/XXXX Hired attorney, XXXX to assist. He sent me to XXXX XXXX. I went there for about six months with no relief. I never signed a piece of paper or gave them a credit card or received a bill of any kind from these people. I had to fire my attorney and hired XXXX to handle the case which was finally settled in XX/XX/XXXX. 

I received a phone call from the XXXX and referred him to XXXX, my attorney, who told him the case had been settled, that no bills had been submitted to him, and that no money was due. 

The XXXX called me over the phone and told me I owed him {$5000.00}. I told him I had received a very small settlement and all bills had been paid from them and that I never signed an agreement paperwork or a bill of any kin from him. He said he was going to collect his money and that he was going to have collections come after me, which he has done and my credit is now ruined due to this mark on my character. 
He turned it over to a collection agency and reported it to all XXXX credit reporting agencies. I am XXXX have worked my entire life to have good credit. Before this mark on my character, my report was XXXX. He has done serious damage to my name and reputation as I am a respected person in the community. XXXX turned it over to capital accounts llc who have been harassing me over the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2015 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Delinquent account

Complaint: I used a debt relief agency to pay my debts ( XXXX ) and it was charged off, but still shows up on my credit report. This has been over XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In XXXX of 2014 I went to emergency room XXXX, they gave me an antibiotic and said that if I became XXXX I should go back immediately. 
2 days later I became XXXX in the middle of the night and went back, after several tests and XXXX, the doctor said that their previous prescribed antibiotic was wrong and had caused the XXXX. 
All of the charges they are trying to collect comes from their wrong medication that they gave me and nothing else. 
I 've told this to the emergency room accounting staff as well as the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Originally XXXX XXXX reported a balance of XXXX on a credit card that was paid in full and closed, and now it is still being reported by XXXX XXXX and by Transunion, XXXX, and XXXX, as closed but with a balance and that is incorrect it should report closed with a XXXX balance on all XXXX credit reporting agencies. and no one is doing anything to get this issue corrected. IT IS HURTING MY INCOME TO DEBT RATIO AND MY CREDIT SCORE. 
SEE ATTACHMENTS : THEY CONTAIN TRANSUNION RECORD AND XXXX XXXX RECORD.

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