milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I looking over all  XXXX  of my credit reports and I seen accounts and companies I have never done business with, and according to the online credit report that I viewed, your credit bureau issued the report that was used to determine my credit evaluation.   Section  609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act of 1970 provides that your credit bureau should send me all information on file that led to my credit application being denied. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting. In addition if you cant obtain this info you are required to delete this information off of my Credit report I reviewed a copy of my credit report and am disputing all ite   ms that need to be deleted. The reasons why these items should be deleted are indicated below : 1.  XXXX   XXXX   XXXX   #   XXXX   Never don business with this company error please delete.
2.  XXXX   XXXX   XXXX   #   XXXX   This was discharged in Bankruptcy and is listed wrong please delete.      3.  XXXX   XXXX    #  XXXX  This account was paid and is listed wrong error please delete.   4. XXXX  #   XXXX   This account was  discharged in  Bankruptcy error please delete.    5.  XXXX   XXXX   XXXX    #  XXXX  This account is FRAUD I have never had a credit card with this company ever.    6.  XXXX   XXXX   XXXX     XXXX   XXXX  This account is listed wrong and dates and status are wrong please delete.    7.  XXXX   XXXX    #  XXXX  This account was never verified please delete.

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 10/21/2015 about Debt collection (Medical) with Receivables Performance Management, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I Have sent several certified letters to Receivable Performance regarding a debt that they are trying to collect. The debt originated through XXXX and is not my debt. XXXX has already closed XXXX of the accounts and needs to still close the other. I have written several certified letters to both companies. Receivable performance stated that they were going to close the account and send a letter to all XXXX reporting agencies, but it is still listed on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (NY).
Issue: Application, originator, mortgage broker

Complaint: yes almost had XXXX fires in my house due to electrical my home was inspected by the loan company they said the electric was safe i had a professional electrician come in and said it should of never passed the banks inspection

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Consumer Loan (Installment loan) with DLC, LLC (IL).
Issue: Problems when you are unable to pay

Complaint: I was in XXXX XXXX XX/XX/XXXX. After losing a substantial amount of money, I needed money for food, living, etc., as I had three more days in XXXX. XXXX. I got a total of {$500.00} from the Dollar Loan Center. I was involved in a car accident and did n't have any insurance. As a result of this incidence which happened on Saturday, XX/XX/2017, it 's causing me financial hardship and overall anguish. I had financial hardship prior to this event or I would n't taken out a loan with 900 % interest. I called the Dollar Loan Center in XXXX XXXX XXXX on Monday, XX/XX/2017 and stated I have a hardship. Would they please take away the 900 % interest and let me pay the principal. They called me back today stating they could n't accommodate me. The interest would still be going at {$4.00} per day. I was in dire need when I took out this loan and not in a healthy state of mind. It 's companies like these that prey on other 's financial distress. If having an automobile accident which is causing me a great financial hardship does n't designate a hardship, what does?

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MD).
Issue: Application, originator, mortgage broker

Complaint: I had received numerous letters from my mortgage company about refinancing, so I contacted in them in XXXX 2015 and completed the application and submitted the required documents. The appraisal was ordered and completed and I was sent a copy. I waited to hear back from the processor as far a closing date. After not hearing a status update for quite sometime I contacted the processor and the processor told me that there were judgements against the property and that was the delay. I was told that as soon as the title was cleared I would go to closing. I have a very common last name and I mentioned that to the processor and also that these judgements were not valid. I monitor my credit every 4 months thru XXXX and nothing had ever appeared on my credit report. Also, I ' am very sure that if these were valid they would have been an issue from the beginning of the process. I was sent a copy of these judgements and none of the names were matches or were even close to my name, social security number or my address. I became frustrated with this process because I was not getting any cooperation from this processor or the title company in clearing the title in order to get this loan request to closing. I was never given the name of the title company and was never contacted by them in order to try to clear up this problem. I sent an email to the processor stating that I was ready to contact the Banking XXXX or any agency that could assist me in getting this problem cleared up. One week later I received a Credit Denial letter stating that there judgements on the tittle and that was the reason for the denial of my loan request.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with AllianceOne Recievables Management (NY).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I received a dunning letter from AllianceOne Receivables Managment , Inc ; that derived from a traffic situation. They said that they were a debt collector, I confirmed under 15USC 1692 ( a ) ( 6 ). I requested validation pursuant to the Fair Debt Collection Practices Act, 15 USC 1692G. mailed by USPS Certified mail No. :XXXX. On examining their communication I found that they committed violations of 15USC1692 ( c ) by not having prior consent from me prior to contacting me, this is Identity thief under FDCPA and FCRA XXXX CFR XXXX. No prior consent also violated the Gramm-Leach-Baley Act. Their communication also do n't have the required language pursuant to 15 USC 1692G, there is no miranda on the communication that stated I have 30 days to dispute their claim therefore their communication is considered under 15USC 1692D to be harassment and abusive. In addition their communication violated 15 USC 1692e by making threats.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (FL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: The way this bank clears transactions is extremely shady. Although all my transactions are posted on my ledger, the account balance is not accurate. On Monday XX/XX/2017, my account balance kept jumping from {$98.00} to {$140.00} and back down to {$98.00}. I 've mentioned to them in the past that their banking practices are dishonest and sometimes lead to me over drafting but they told me they can not control this, which is odd to me. On the day in question, they are having technical issues with their phones so I can not call. I reached out on XXXX and they did not address my issue with my account balance.

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 03/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hard inquiries on my credit report from unknown sources.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Credit card or prepaid card (Store credit card) with TD BANK US HOLDING COMPANY (FL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: TD Banks also referred to as XXXX XXXX for XXXX XXXX  : 1. Called a year ago after getting late notice and late fee and were told our payment was late but no explanation as to how it was late as my wife pays the bill same amount same time always. They waive the late fee without explaining how it was late. 
2. Fast forward to now and we get a collections notice and 4 late fees that are payment is behind.

3. Call customer service who identifies that the payment has been going to the wrong address for some time, and they forward to the correct address, but still charge late fees.

4. We correct our bill pay address since we did n't know it changed, requested Customer Service or Collections to waive those 4 late charges ( {$39.00} Each ) as the payment was clearly always bill paid on time in the same amount and was in the hands of the company until they forwarded it again therefore making it late. 
5. Request was denied by both customer service and collections even after explaining situations, purchasing a new bed with the same account, and both requests were denied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/14/2015 about Consumer Loan (Installment loan) with BlueChip Financial (OR).
Issue: Managing the loan or lease

Complaint: I took out an installment loan with Spotloan ( BlueChip Financial ) on or around XXXX/XXXX/14 in the amount of {$800.00}. They have debited {$130.00} twice a month since. My payments so far have totaled $ XXXX and I still have at least XXXX more payments left. Do I have any recourse with them in having them close my account and show paid in full? Or, dare I ask, receive some type of refund for paying such a high interest rate? In Oregon, there is a cap on how high of interest companies can charge on these types of loans. I did n't realize I would be paying so much more than my initial loan amount. I have not approached them yet to inquire about this directly. Rather, I wanted to find out my options. I want to clean up my credit and get to a point where I no longer need these types of services any more. But this loan has really put me behind in that plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America has put my home into foreclosure eventhough I was supposed to receive a modification package. Furthermore a Bank of America and it 's contractor caused damages to my home.

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 01-07-2016 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: Freedom Mortgage cashed my XXXX 2015 check, yet did n't apply it to my loan account. I then received a letter in the mail saying the XXXX payment was late. I called them saying the check cleared my bank on XXXX XXXX. They had no record and I was to send them in the mail a copy of my check being deposited by them. A week after I sent in the check i was called from them bill collecting. I explained my issue, they lady saw my check was received but just sitting on my account. She was going to have to open a ticket to get it applied and assured me it would be applied on XXXX XXXX of when they got my check originally. I called today XXXX XXXX and they applied my XXXX payment on XXXX XXXX! Just got off the phone and now it is going to another XXXX departments to get it applied on the correct date. Very frustrated as I have done nothing wrong yet these people are screwing with my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (FL).
Issue: Managing the loan or lease

Complaint: My wife and I received about {$10000.00} in XXXX work from XXXX XXXX XXXX in XXXX, Fl. We were told if we signed a Care Credit Agreement that our payment would be {$420.00} per month with no interest for 24 months. Our statements were delivered electronically. I called them today and found out my balance was {$1000.00} because they had charged {$950.00} interest. {$580.00} XX/XX/XXXX and {$370.00} XX/XX/XXXX. They said they charged thge interest because the promotion periods had expired. I was told by XXXX XXXX that by paying {$420.00} per month there would be no interest. I was not told about promotion periods. Looking online I see where the CFPB ordered GE Care Credit to refund XXXX for Deceptive Health-Care Credit Card Enrollment. GE owned Synchrony Bank / Care Credit is doing the very same thing. The have adopted the same deceptive practices. Help please. XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/30/2015 about Debt collection (Medical) with Collection Consultants of California (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Collection Consultants. XXXX XXXX. {$170.00} Request : Deleted permanently from my credit report. 
Status : Inaccurate account information. 
To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (VA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On XXXX XXXX, XXXX, I opened a disputed debit card transaction. Since this time, I have sent four secure messages, and made multiple calls to check the status of the dispute. Each time, I have been told that it will be resolved within 10 business days. Since 10 business days have elapsed, I was told that the claim would be escalated and I would receive a call within 24 hours if additional information was needed. I was told this on XXXX/XXXX/XXXX and as of now have not received any calls from the bank regarding the status of my dispute.

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 09/15/2015 about Debt collection (I do not know) with Collection Bureau of America Ltd. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently began to check my credit reports when I discovered a charged off account from Collection Bureau OF America alleging that I owe {$260.00}. On XXXX XXXX, 2015 I submitted a validation request in accordance to all applicable federal and state laws. Collection Bureau of America responded to my validation request with an invoice alleging i owe a debt. They can not be allowed to simply invoice me an alleged I owe a debt. There is no agreement or anything produced as requested within my validation letter. Collection Bureau of America has not removed this trade line from my credit as requested. My request was submitted via certified mail with proof of delivery. This company continues to add damages with their violations of collection and credit reporting laws. I notified XXXX credit bureau of the dispute. Upon investigation the account was deleted. However, as of XXXX/XXXX/2015 the Collection Bureau of America is now reporting to XXXX credit bureau. They are also reporting a different amount stating that there is a debt of {$340.00}, and causing further damages.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: origional account went delinquent with XXXX dept. of human resources XX/XX/XXXX made payment arrangements that have been made but have never become current. account transfered as chargeoff collection to XXXX dept of human resources XX/XX/XXXX. account does n't show origional delinquency date of XX/XX/XXXX but instead shows date of the transfer as the origional delinquency date. company deleted item from report and readded it this month.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Balance transfer

Complaint: XX/XX/XXXX/XX/XX/2016 Costco switched its credit card provider from XXXX XXXX to Citibank. As a XXXX member with a Costco XXXX XXXX, my credit card balance was transferred to a Citibank Visa card, and a Citibank Visa card account was opened in my name, without my authorization. I was not informed of the balance transfer until approximately two months after the change took effect. I was charged interest on an outstanding balance and a late payment fee. I requested a statement from Citibank to that I could see the itemized charges and dispute the late fees and interest charges since I was never informed of the change and therefore was completely unaware of the outstanding balance. Citibank never sent me a statement. Instead, they have called me 3-5 times a day, every day, during the night and during the day. Often at inconvenient times. I 've paid the outstanding balance in order to stop the constant harassment, but I 'd like to file a complaint to convey my frustration with this entire situation.

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 04/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: XXXX   XXXX  offered me a chance to receive a secured credit card with an opening deposit twice and I was denied both times. I was n't planning on applying for anything during those times as I was repairing my credit. I applied because I was allegedly pre-approved. That 's not fair to the consumer. Neither  XXXX   XXXX  nor the  XXXX  credit bureaus ( TransUnion,  XXXX , and   XXXX    ) will ho nor removing the inquiries even though I was solicited by   XXXX   XXXX  . The FACTS states inquiries can only be pulled under certain conditions and " firm '' offers a re one of those conditions. Here is a reference to the code under ( c ) ( 1 ) ( B ) ( I ) : 15 U.S. Code 1681b - Permissible purposes of consumer reports ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ; ( ii ) the consumer reporting agency has complied with subsection ( e ) ; ( iii ) there is not in effect an election by the consumer, made in accor  dance with subsection ( e ), to have the consumers name and address excluded from lists of names provided by the agency pursuant to this paragraph ; and ( iv ) the consumer report does not contain a date of birth that shows that the consumer has not attained the age of 21, or, if the date of birth on the consumer report shows that the consumer has not attained the age of 21, suc h consumer consents to the consumer reporting agency to such furnishing.

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 12-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My information was compromised and used to obtain medical and other things. I '' ve noticed collection accounts on my credit report that are fraudulent. I 've submitted information to the credit bureaus however they do n't really seem to care too much. They 've helped some but XXXX and XXXX.. just to name a few really do n't care. I battled XXXX about 2 years ago and have not had time to address this until now. Hoping this will bring some relief. Noticed fraud items beginning in 2014 but like stated earlier too much in life was going on. I received letters from XXXX for our prepaid card and XXXX XXXX so I figured it was from this but this was just something that might have released. No One knows who stole my identity bc no cameras and police said it 's hard to track unless they use it local.

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 10/28/2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (MA).
Issue: Problems caused by my funds being low

Complaint: I opened a bank account with TD XXXX ; about 1 month down the line I lostmy wallet and did n't realize my TD bank card was in there since I was still using my XXXX Account. I received my report from XXXX and it states that I Owe Td bank XXXX. I have never overdrawn any money out of that account. I want to file this complaint so we can get to the bottom of what happen to my TD bank account.

Company response to consumer: Closed with explanation