milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/24/2017 about Bank account or service (Checking account) with U.S. BANCORP (MN).
Issue: Making/receiving payments, sending money

Complaint: I submitted a stop payment order to my bank ( US BANK ) on XXXX/XXXX/2017. They charged my account XXXX and the fee was paid. On XXXX/XXXX/2017 the withdrawal was taken from my account in the amount of XXXX -. The bank acknowledged they did receive the stop payment order in time but said the merchant put the withdrawal in by another way they changed their name - XXXX XXXX previous withdrawals and this is the way they put in on XXXX/XXXX/2017 -XXXX. Payment was not reimbursed by bank instead they refunded the stop payment order of XXXX to my account. What can I do? Because of the stop payment order I am unable to pay my rent ... Need help.

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 12/17/2016 about Payday loan () with COMMUNITY CHOICE FINANCIAL, INC. (KY).
Issue: Charged fees or interest I didn't expect

Complaint: XXXX separate loans payed on XXXX separate dates were combined into a lump sum without my approval

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Thunderbird Collection Specialists, Inc. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This debt was originally reported on my credited on XX/XX/XXXX by Thunderbird Collections # XXXX in the amount of {$990.00}, scheduled to be removed on XXXX. Then on XX/XX/XXXX the same debt with the same company was reported again this can not continue this debt will conituen with no expiration date as long as the collection agency decides to recycle it thru. I do n't feel thie is right. I would like to see this debt removed, because of thie debt I have been denied housing on a rule of XXXX history of rental debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax has about 15 collection accounts on my report from a range collection bureau that do not belong to me and were previously removed because of fraud.I had gotten them removed a few years ago and they recently were put back on my report. Its rediculous that I prove all these accounts are n't mine work my XXXX off to get them removed and just like that they get put back on we need to start holding these companies responsible for their XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Credit card () with BARCLAYS BANK DELAWARE (FL).
Issue: APR or interest rate

Complaint: In XXXX, I received a letter in the mail from Barclays Bank XXXX. The letter included a check that was for balance transfer. The offer was 0 % interest rate for XXXXmonth with a 4 % fee. I used the check to reduce my interest rate. The card I had had a 10 % interest rate. In XXXX, the bank mysteriously called me about a fraud case. I told tem that I had done the balance transfer. They charged the 4 % transfer fee. In my XXXX statement I get an interest charge. I called them and now the interest rate is over 27 %. They keep firm that there was no introductory rate. Well why would I transfer a blane from a lower rate card to a higher rate. This is a scam and they need to be stopped,. I wonder how may other customers got the deal ( scam ) to transfer funds. 
XXXX XXXX XXXXXXXXXXXX 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 monetary relief
Consumer complaint received 04/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Collection agency calling me and my wife everyday at inconvienient times while at work an at home. They say I owe {$1100.00} which is absolutely false and untrue. They said I would be reported to the credit bureaus that would ruin my credit if I didnt make a payment to them. I have never done business with this company in my life and this is the XXXX time I 've even heard of this 'company '

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Debt collection (I do not know) with Resurgent Capital Services L.P. (FL).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: I am disputing the following account as creditor is unable to verify debt in its full truthfulness. As his debt collector is not entitled to collect on a debt in the state of Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: My credit score dropped XXXX points in one week with no negative impacts from my credit history.I called both XXXX and XXXX and they were unable to explain the decline in score, they even stated there were no changes to my credit history. I went through every aspect on my credit report with them from credit card use to hard inquirers and there were no adverse changes. My over all debt had even decreased. My score went from XXXX to XXXX. They just said they have no control over how the score is generated and could not provide any negative impacts that had occurred over the last 60 days. XXXX told me if I paid them money they would provide that information. I have contacted XXXX, XXXX credit monitoring and they all said they have no negative changes ... .this change in my score has caused extreme distress for my financial future and the pause in my ability to seek out loans or apply for credit cards that offer better interest rates and balance transfer. My wife and I were planning on buying a new home. 
I have received no information or help on this problem after hours on the phone with both credit reporting agencies.

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 05-12-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CO).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: XXXX serviced of my loan until Navient took over in XX/XX/XXXX. During the time they held my loan, beginning in XX/XX/XXXX, they constantly steered me towards Deferment, Forbearance and Hardship Forbearance when I would have qualified for those six years they serviced my loan for an income based repayment plan. Had is been accurately provided the information needed to make decisions based on all of the available options, I would be nearly 10 years down an income based plan that would have my loans discharged after 300 months of consecutive payments.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southern Management Systems Inc. (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was a co-signer on an apartment lease for my son from XXXX/XXXX/XXXX - XXXX/XXXX/XXXX only. My son signed another lease from XXXX/XXXX/XXXX - XXXX/XXXX/XXXX without me as a co-signer or guarantor. I paid his rent during the time I was his co-signer ; however, he was solely responsible for the next year 's lease. He owes the debt, not me for the months of XXXX in the amount of {$2000.00}. I tried to explain this to the collection agency many times but they continuously harass me stating, " They do n't care. I 'm his mom. I 'm liable too. '' He 's XXXX years old.

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 09-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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. This inquiry was not authorized by me. I request the prompt removal of the inquiry. I have attached a copy of the FTC affidavit of identity theft, a copy of a letter from another creditor where I was a victim of identity theft, a copy of my ID and a copy of my lease showing I did not live at the address attached to the inquiry.

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 12/28/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MN).
Issue: Transaction issue

Complaint: I had a credit card on file with XXXX, and was charged in error for a service I did not receive. The hotel was informed and I disputed the charge of {$100.00} with Capital One, who confirmed the dispute, removed the charge, and resolved my issue from XX/XX/2016. I have found that Capital One has recently reinstated the charge, refused to allow me to dispute the charge, and is harming me financially by charging interest on a balance which was disputed/already removed. I have contacted XXXX representatives in order to notify them of their error. They advised they could not assist, could not read the letter they sent, and advised they were able to confirm the financial harm, the additional charge being applied, but did not see a reason to help. They referred me to a letter which is still in transit, advised I have n't responded to it, even though I am literally talking to them during this conversation, and they still would n't tell me what is required to get them to complete the request again ... I do n't understand why this is legal and would like a federal review to ensure the employees involved are investigated and my case resolved to ensure I am credited the {$100.00}, any interest applicable, and any restitution due under law. I require written confirmation from the CEO of their apology for their errors.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: XXXX XXXX XXXX XXXX, GA XXXX This address showed up on my credit report ... .it was a reported attempt at fraud that I caught in time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-07-2016 about Debt collection (I do not know) with MERCANTILE ADJUSTMENT BUREAU, LLC (OH).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: They call my job every day 2 and 3 times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: There are  XXXX  accounts on my credit report that are reporting late payments when I was in fact never late.      XXXX   XXXX   XXXX   XXXX  -  XXXX  ( 30 days past due  XXXX ,  XXXX ,  XXXX  )  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ( 30 days past due  XXXX  )  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ( 30 days past due as of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  to  XXXX   XXXX   XXXX  I was never late on these accounts and should not have any late paymetns.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SUNTRUST BANKS, INC. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a single family home, that is carrying ( XXXX ) mortgages. I would like to know how to go about combining them into XXXX, I brought the home in 2006, for {$200000.00} and is still paying interested instead of paying on the principal. I did loan modification XXXX, but that did not help me, if anything it hurt me instead. Because the principal went up. However, my question to you, is there anything a person like me can do to get my mortgages in XXXX. Also the house only value {$180.00} the last time I checked.please can someone look into this please.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (NY).
Issue: Taking out the loan or lease

Complaint: i went to XXXX and finance a car XXXX through wells Fargo Bank they told me if im putting a $ XXXX upfront my monthly payments will be XXXX per month including all taxes and fee 's i sign the contract and they said copy of all the contract will send by mail i got my first bill the payment was {$460.00} A month i called them and they told me no way we will look into it i called wells fargo they said we will look into it but they never did then they told me take the car back to XXXX i went back they told me this guy no longer working there so they have no clue what am i talking about then i stop making payment bc i could n't pay i was i college and the repo the car i called them spoke to them and they told me that they will remove the negative item from my credit file which they didnt i sue them in court i win the case and they still dont want to remove it they ruined my credit i cant get student loan and i cant continue going to college im a single mom and they destroy my life and my future

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 03-07-2017 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have been a victim of inquiry issue. There are incorrect inquiries on my report and some that have previously been deleted and are back again. Also I have XXXX collection account from XXXX that has been paid but is still reporting a balance. They are not updating my info and have n't been. Disputed inquires were removed then reapplied.

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 02/27/2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (OK).
Issue: Loan modification,collection,foreclosure

Complaint: The loan modification was submitted to the lender on XX/XX/2017 - the lender is refusing to review the file due to an upcoming sale date - The lender is in violation of RESPA, they accepted the package and have refused to postpone the sale date to allow the review to take place.

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 02-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX and Pinnacle credit are trying to collect a debt that I do not owe. I had service with XXXX for less than 10 days and returned the phone and cancelled service after realizing they did not provide service in my hometown. They have been trying to collect {$530.00} from me ever since. I have provided the contract and other documentation proving I do not owe this MULTIPLE times to all XXXX credit bureaus and to 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 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with fraud alerts or security freezes

Complaint: 1.TrustedID with Equifax send alerts and you can not get any information from them and have to call the regular number. For the third time after being on hold over 25 minutes someone answered and before I could say three words hung up. I do not have unlimited time to continue to be on hold forever and never get the situation resolved. 
2. The TrustedID person gave me a phone number to make sure my report was frozen and I called it only to find it is a non-working number. 
3. PLEASE do not let them send a pat response like that have previously with out even looking into the problem. I WANT A RETURN PHONE CALL FROM A RESPONSIBLE PERSON AT EQUIFAX!!! It is the very least they can do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Bank of America credit card company charged {$3.00} interest to {$280.00} balance subject on XX/XX/XXXX. For this bill, I made {$310.00} of purchase which is due on XX/XX/XXXX. 
For the previous month, I paid in full the new balance total of {$900.00} ( {$570.00} ( the previous balance ) +late fee {$25.00} +interest {$12.00} + $ XXXX {$900.00} ) on XX/XX/XXXX which was before due ( XX/XX/XXXX ), and there was no balance for the interest. I don't understand where both the balance {$280.00} and the interest {$3.00} are coming from. 
On XX/XX/XXXX, I talked with XXXX in North Carolina branch of bank of America credit card. She told that BOA has a policy that they charge the interests 'double ' consecutively for the 'one ' billing cycle of the unpaid balance, even though I paid it full amount of New balance on next month which includes late fee and the interest. So, when we both read together the policy on the statement, it says : BOA will NOT CHARGE interest on purchases on the next statement if you had paid the new balance total in full by the payment due date. The BOA policy is totally opposite of what she said. When I asked the explanation it to her, she hung up the phone.

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 12/31/2016 about Debt collection (I do not know) with Global Payments Check Services, Inc. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This information was shared illegally ( third party ) without my informed and expressed consent

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 07/29/2016 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (AL).
Issue: Using a debit or ATM card

Complaint: On XXXX I placed a print job order at XXXX XXXX , Store # XXXX, on XXXX XXXX in XXXX, AL. I did not notice that the store overcharged my bank card until a month or so later when I was reviewing my bank account statement. 
I never spend over {$10.00} when placing an order at XXXX XXXX, but the charge on my bank card was for {$160.00}. I called the local store and the corporate office in an attempt to have the error corrected and the money refunded to my card, with no resolution. 
By the time I was able to get to my bank to notify them of the charges, too much time had lapsed and the bank could not assist me in recouping my money.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America informed me that my mortgage is not being serviced by Bank of America. This is after Bank of America told me I will have one point of contact. Bank of America told me that my mortgage will be handled by XXXX, XXXX. I 'm in the process of modifying my mortgage and do n't what do to do or who to call. Please help.

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 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with MERCEDES BENZ FINANCIAL SERVICES (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I no knowledge of the information being reported on these accounts. Therefore, I hereby dispute the balance, high balance, past due amount, and the date opened as inaccurate. This letter is a formal complaint that you are reporting inaccurate credit information. I am distressed that you have included these items that do not belongs to me Apparently, procedures have not been properly maintained to ensure maximum accuracy that is required by the FCRA. I was never served with any notice or disclosure before or after these accounts were reported negatively as required by FCRA & FACTA Sections 609 & 611. This alone requires deletion of the negative disputed information.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (IN).
Issue: Loan servicing, payments, escrow account

Complaint: Please forward the attached QWR per RESPA to Nationstar.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Debt collection (Medical) with Computer Credit, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Patient received medical care from hospital - referring physician 's partners are owners of the hospital. 

Patient 's insurance was billed for services - but upon inspection, services billed for and/or medical treatment allegedly provided was incorrect and/or not provided. Thus, it appears insurance fraud may have been committed and Patient is in the process of conducting pre-suit discovery. 

That being said, the amount of the debt is disputed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX XXXX Not my account Fraud account identity theft

Company response to consumer: Closed with explanation