milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/13/2018 about Checking or savings account (Other banking product or service) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: On XX/XX/2018 Usaa federal bank accessed one of my checking accounts and withdrew {$460.00} to pay for a loan in which they did not have authorization to access the account nor for that amount. I literally just got paid that day and they took it upon themselves to deduct these funds to " off set '' a delinquent loan. The loan is only in my spouses name and they have access to one of my checking accounts but the account they withdrew from they were not authorized to access nor are the funds in the account associated with the borrower. When I contacted the bank about the charge they refused to dispute the transaction or acknowledge my regulation E complaint and said it was just bank policy and they had the right to do it. Personally I find it unfathomable that a service provider believe they are entitled to arbitrarily access a consumers account just because they are a lender and depository institution should not empower them to impact me financially especially when a credit product is involved.

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 Debt collection (Other (i.e. phone, health club, etc.)) with ConServe (WI).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: several occassions even after my supervisor has ask Con serv to stop calling they continued and disclose i owed substantial amout of money

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Debt collection (Medical debt) with Medical Business Bureau (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Approx. 6 months ago Medical Business Bureau placed several medical collection accounts on my credit report, negatively affecting my credit scores. I resolved the issue with the credit bureaus as this was my father 's debt falsely reported on my credit. The XXXX advised me that there was nothing that they could do to fix it and I would be on my own to resolve this with the credit agencies. On XXXX/XXXX/2017, XXXX once again filed a collection account on my XXXX for debt my father owed. I reached out to XXXX who once again advised me that I would be responsible for disputing this with the credit agencies. I explained that this is the second time that they have knowingly falsified information on my credit and the representative I spoke with stated that they did not give the credit bureau my information ... This is a violation of the Fair Debt Collection Act and is a malicious tactic to attempt to collect debt from my father. The XXXX has now compromised my ability to get approved for my mortgage and will likely cause me to incur higher interest rates. I asked for a letter to give to my lender from the XXXX stating that I did not in fact have a collection account with them and they refused to provide such email/letter as I did not have an account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Last year I submitted a complaint against Bank of America for errors in reporting my payment history related to a loan modification ( Case # XXXX ). I received a document from BOA shortly after indicating the error would be corrected and sent to the credit bureaus. I 'm unsure of BOAs process, but these discrepancies are still negatively impacting my credit. 
I want these discrepancies corrected. I want a letter sent to XXXX servicing from BOA documenting their error and notifying XXXX that when the loan was transferred to them it came over as a current loan-not in default. I want a copy of my credit report from all XXXX agencies showing the correction. My XXXX loan number is XXXX. 
For questions, I can be reached at XXXX. 
Thank you XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: XXXX XXXX XXXX XXXX,2007 Closed of Home /Predatory Lending I was and still am XXXX XXXX. I was collecting XXXX and still am. i closed on a property for XXXX with XXXX down. No job, No chance of getting better. Everywhere i contact say there nothing you can do?

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 12/22/2016 about Bank account or service (Other bank product/service) with Synovus Bank (GA).
Issue: Account opening, closing, or management

Complaint: I have been XXXX by Synovus Financial on XXXX loans. Predatory loans from what I can tell. back 10 or so years I asked XXXX ( owned by Synovus ) to convert my equity line into a standard loan so that I could pay it off over time and not incur any further debt via the original equity line of credit. 

You see, the idea was to extract myself from debt so that at some point I could enjoy financial freedom. However XXXX XXXX and Synovus has mired me into a predatory loan debt trap of the likes I do n't think I have heard about previously. 



Mind you at this point in time in life I trusted bankers to not take advantage of me or others. Trusting a banker was my mistake, I trust them about as much as I trust lawyers, I have quite a few attorneys in my family and I do n't even trust them. But I digress. 



I was pushed into a note with a balloon on the end of and a somewhat higher interest rate and was told that was the only sort of loan that the bank could move me to. I honestly felt I had no choice but to do the note. When the note came due with the balloon I went down to the bank and was yet again herded into another short term loan with a balloon and a rate quite well above the going interest rates of the time. Mind you all of this time I had never missed or been late on any payments to the bank and yet was forced into a very high interest rate loan. It was only in the last 12 or so months that I had ever been late or missed a payment. 




When the XXXX loan came do along with the balloon, I was yet told I was a risk and that I would have to endure yet another short terms extremely high interest rate and that there would be no balloon this time ( just crazy high interest rates and payments ). Again, I had never missed a single payment on the previous note. 



After I received a statement a couple of months ago, I realized that I pretty much owed the bank the same amount of money that I owed 10 or so years ago, that all of the money paid into the XXXX balloon notes basically paid the interest only, and hardly ( if any ) principle. Only now in the third loan that some actual principle be paid down.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Credit card () with Army and Air Force Exchange Service (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: MILITARYSTAR ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you MILITARYSTAR or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : MILITARYSTAR or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX keeps reporting a debt that is not mine. I have disputed the account with the credit bureaus and directly with XXXX XXXX  XXXX. XXXX XXXX XXXX keeps sending me " Validation '' information of the alleged debt to XXXX XXXX. This documentation clearly list an address where I have never lived or otherwise had no previous knowledge of its existence ACC # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2015 about Student loan (Non-federal student loan) with Frederick J. Hanna & Associates, P.C. (closed) (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: XXXX XXXX loan was sold to Frederick J. Hanna and assoiciates. Hanna and associates will not return any of my calls nor will they send any receipt of payment that was sent for a {$500.00} payment by money order to their office. Customer service agents do this on purpose so that they wo n't have to work with the customer and immediately set debtor up with garnishment, as in my case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (OR).
Issue: Trouble during payment process

Complaint: Our mortgage loan was transferred from  XXXX  to a group called Bayview Loan Servicing , LLC back in  XXXX   XXXX . We are in process of attempting to refinance our home and there is a {$14000.00} amount  that Bayview Loan Servicing i s claiming as a  Deferred Amount. When we call Bayview the y claim that it is from a modification from  XXXX   XXXX ,  XXXX . We do not have any reco llection of doing any modification. When we try to speak with a supervisor with Bayview we get disconnected and have to start the process all other again. We have requested a payoff and we 'll bet you that we  wo n't get it.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: the casino i went to there cash machine was n't working so they voided the transaction and i NEVER signed anything and they put an X to show me it was voided no capital one denied my dispute and are charging me for something i never did saying it was signed i never signed and needs to be credited this is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Debt collection (Medical) with Receivable Management Group, Inc. (GA) (FL).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: my understanding it was paid in another bill statement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Things on my credit report that i am unaware of.

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 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Due to Equifax 's lack of adequate security, my personal information was made available for misuse. I have had to freeze my credit to protect against this misuse, but my personal information can not be taken back.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I disputed on XXXX 2016 the accuracy of a XXXX XXXX XXXX XXXX XXXX account that appears in my credit file with Experian. I requested that Experian provided to me the XXXX of XXXX used on their investigation pursuant to XXXX XXXX XXXX a ) ( XXXX ) of the FCRA. Experian has not responded to my request. See letter.

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 08-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Since XXXX 2017 I have disputed a bankruptcy on my credit report that is not mine, XXXX, XXXX, and TransUnion are claiming to investigate it but my contact to the court denies this. XXXX claims to get this info from XXXX who I did contact by certified mail with no response ...

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 12/20/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There are XXXX state liens on my credit file. They are not my state liens. They are associated with another person at a different address with my name apparently. After telling this to the bureau over and over again, they have refused to remove it. I even contacted the courts and they stated that they do not communicate and verify information on state liens to the credit bureaus. And XXXX courthouse do not have anything with my complete SSN and address on file. So, I need to know how do the credit bureaus verify, especially if it is not through the main source. And, who gave them permission to do so, if that is what they did. it is obvious that they have the incorrect information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
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: 1. XXXX XXXX XXXX They reported negative information to all of the credit bureaus as my payment being late after I had called them and told them I would pay one month  minimum and then in a few days pay off the entire debt which was {$14000.00} on one card and {$4800.00} on the other. I did pay off both credit cards in full a few days later. However, they had sent negative information to the credit bureaus regarding this account that I have had for over 21 Years. 

During this process the credit bureaus lowered my credit score by 100 points, then XXXX, came back to me claiming that they are taking the card away from me and the credit AFTER I paid both of them off in full myself not through another company etc.. Then when asked to remove the negative information they placed on the credit bureaus information XXXX XXXX XXXX XXXX me to apply for more credit, which would be at a much higher interest rate because the 'terms ' of my old card that I used and paid off several times since 1996 was not available anymore. 

I then received a letter from XXXX claiming that their decision was made by information they received from XXXX XXXX, however, when contacting XXXX XXXX they claim that they created and dropped my score due to the negative reporting from XXXX and XXXX. 


2. XXXX XXXX Same thing, I called and told them I was going to pay off the entire card in a few days. They then reported negative information to the credit bureaus and after I paid my credit the negative still stays on my report making it harder to get loans in the future etc ... My credit a year ago was XXXX dropped to XXXX and then down to XXXX AFTER Paying all of my debt at 3 banks totally over 40K. 

3. XXXX XXXX I called and they are the ONLY bank that actually reported that I PAID the credit off in a timely fashion to the Credit Bureaus and so nothing negative was reported. 

I feel like the Bureaus and the Banks are working together to make consumers credit worse so that interest rates go up. They both blamed each other and neither would remove the negative mark off of the credit report when asked to do so with proof that my credit debt was at almost 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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I was made aware of a breach in security of Equifax on Friday, XXXX XXXX XXXX for a breach that occurred on XXXX XXXX XXXX. I used their online tool to determine if I was a potential victim and I was indeed listed as a possible victim of identity theft. The company failed to inform me of the breach when it happened.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2017 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (GA).
Issue: Trouble during payment process

Complaint: ii have been in my home since XXXX when i purchased my home i included my taxes insurance and mortgage as one payment so i received notification that my taxes werent being paid from XXXX thru XXXX i had no clue of this my mortgage company told me to contact my tax office get the amount due and they would take care of it which they supposed to have been doing antway so they paid it and now want me to reimburse them thru my escrow i dont understand why all of a sudden this happened from XXXX to XXXX but not XXXX to XXXX its not fair for me to be taken advantage of while im already struggling to do the right thing by paying my mortgage please help me get this resolved carrington mortgage says my escrow is {$5900.00} behind and i owe them that so they went up on my house note byXXXX $ please help get this resolved thru this complaint thank sincereley XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2017 about Credit reporting () with AMERICAN EXPRESS COMPANY (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: American Express is reporting to all the credit agencies that they charged off {$29000.00} of my account and {$3900.00} is past due. This is wrong and a blatant lie by American Express. Nothing has been written off by American Express or is late. The following is the true facts. 
1. Since XX/XX/XXXX, I have by agreement with AMEX paid {$17000.00} of this bill. the last payment of {$150.00} on XX/XX/XXXX. 
2. I have an agreement with XXXX ( XXXX ) of AMEX Legal to continue paying {$150.00} per month until XX/XX/XXXX. This will payoff another {$7300.00}. In phone discussion with XXXX on XX/XX/XXXX. 
3. At this point AMEX will write off the balance of {$7700.00}. 
4. All of these payments since XX/XX/XXXX, have been automatic debits to my checking account by American Express. All future payments have been arranged as the same. So there is no question about the payments being made. 
5. I have uploaded all of my agreements and amended agreements with AMEX up to XXXX. I however, can not locate the last amended agreement that established the final set of payments, but since the payments are automatic by AMEX, they had to agree to this in order to set up the auto payments. The last agreement was amended because the payment of {$530.00} to start on XXXX was to high and was made to be {$150.00}. 
I have been honest and have continually paid off this large debt every month since XX/XX/XXXX and will pay it as agreed in the future. However AMEX has not been honest in their behavior as they ave reported untrue lies to each credit bureau about having written of {$29000.00} which they have not done, and reported {$3900.00} late, which is untrue. I pay every month by agreement, so how can the payments be late since they have been made by agreement with AMEX and they automatically debit my account. Because of AMEX and how they are lying to the credit bureau, my credit has been severly and negatively impacted by this harm. And the actions by AMEX have been as recent as XX/XX/XXXX. They must be made to stop and correct this record. A copy of that portion of my credit report is attached, as are the amended agreements with AMEX.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have a mixed file on my report Bankruptcy, Not Mine. 

I have a 30 day late on my XXXX XXXX Account, I was never late.

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