milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/14/2017 about Debt collection (Other debt) with Perfection Collection (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX and Perfection Collection have attached my social security number to someone else 's debt. They installed an alarm system in a house in TN for an individual with a similar name as mine. A name that I have not used in over 20 years due to divorce and remarriage and I live in NC, and have never owned property in TN. I filed XXXX disputes with transunion and perfection collection still claims this is my debt. I am filing a police report on monday and filed a dispute with XXXX today. I requested a copy of the original sales contract to verify where they have obtained my social security number but I have not received a copy as of yet. They have illegally accessed my social because I have not applied for any service or loan with them.

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 08/16/2017 about Debt collection (Credit card debt) with HSBC NORTH AMERICA HOLDINGS INC. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: On XX/XX/2017, I received a collection call from a collection agency named XXXX and XXXX ( XXXX ) XXXX. The debt collector stated that he was attempting to collect a debt on an old credit card with HSBC that was about 7-8 years old. I do not recall having a credit card with this company but I if the debt was incurred, the residency of my state ( NJ ) has a statue of limitations on collecting credit card debt for only 6 years. This would make the collection attempt illegal and in violation of fair credit collection practices.

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. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I live in XXXX, TX and was impacted by Hurricane Harvey in XX/XX/XXXX. 
On XX/XX/XXXX i entered into a Federally Declared Disaster temporary forebearance agreement with my mortgage company ( XXXX XXXX XXXXXXXX XXXX ) due to my wife being unemployed due to her place of employment being destroyed in hurricane harvey, i also was out of work for 1 month due to clean up efforts at my home. The terms of the temporary forbearance agreement were as follows : -monthly payment was suspended between XX/XX/XXXX and XX/XX/XXXX -XXXX would continue to accept payments if i was financially able to do so -XXXX would not assess late charges to my account during this period -During the term of the agreement XXXX would suspend all credit reporting -Upon the expiration of the temporary forbearance agreement my payments would increase to reflect any unpaid monthly payments. 

I was unable to make a mortgage payment for XX/XX/XXXX, as per the FDD forebearance agreement XXXX should have suspended all credit reporting. However, in breach of my temporary forbearance agreement with XXXX, on XX/XX/XXXX XXXX reported to Equifax the my account was " Not more than 2 payments past due ''. 
I was thankfully able to make my regular mortgage payment of {$1000.00} on XX/XX/XXXX. XXXX once again ignored the FDD forebearance agreement and on XX/XX/XXXX they reported my account as " 30 days past due ''. Their explanation for this was that they mistakenly applied my XX/XX/XXXX payment to the unpaid amount from XX/XX/XXXX, even though the agreement states that no payment is due until after the expiration of the agreement. 
On XX/XX/XXXX XXXX once again breached the agreement by reporting to Equifax that my mortgage account was " Paying under a partial or modified paying agreement '', which impacted my credit negatively. 
On XX/XX/XXXX i made a double payment {$2000.00} to bring my mortgage account current. I also requested to be removed from the temporary forebearance agreement. I also voiced my concerns over the erroneous credit reports but as of this date XXXX has made no effort to fix the problem. 
XXXX also refuses to release a {$25000.00} insurance claim check from my flood claim so that i can pay for repairs on my home.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Consumer Loan (Installment loan) with BBVA COMPASS FINANCIAL CORPORATION (CA).
Issue: Managing the loan or lease

Complaint: I was supposed to receive a discount for having my loan deducted from my checking about at BBVA Compass bank ... I submitted the documents they mailed me in XXXX. I am still not receiving the discount..And everytime I call to inquire..nobody knows anything. I have even resubmitted the document and have received no response

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/25/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (MO).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company aused me {$220.00} in overdraft fees in my checking account because they tried automatically withdraw payments out of my account 6 times with out permission.

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 12-10-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I applied for and was given a Wells Fargo Home loan with the understanding I could pay the loan twice a month with one half of the month 's amount due. This was the selling point for the loan. I was never told, prior to closing, verbally or in writing that the payments would not be applied until two 1/2 months ' payments were received, erasing the benefit on reducing interest payments over the life of the loan. 
This lack of transparency, non disclosure and deceit has locked me into a loan lacking the benefit I sought in selecting the mortgage bank. 
My mortgage banker has since told me they have " no way '' to apply the 1/2 payment to my balance. I have been offered to revert the payments withdrawn from my checking account to the full payment once a month. 
What I want and what was implied when I shopped for the loan is to have the payments applied to my loan when they are taken from my checking account. 
I have complained to them and received a non printable e-message stating the above.

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 08/16/2017 about Debt collection (Credit card debt) with Alliance Data Card Services (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call repeatedly, multiple times a day including when I am at work. I have asked them not to call during the day. They also call at XXXX XXXX on Sundays and I understand they are only supposed to call between XXXX on Sundays.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/23/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This account has been disputed previously in regards to the Account Type ( charge card ). It not has a status of Paid - when it should be PAID and Closed. 

XXXX - XXXX XXXX. 

Please update the status to reflect its true closure, and where TU has added PAY HISTORY through to today -correct the same.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Bank account or service (Savings account) with SYNCHRONY FINANCIAL (CA).
Issue: Account opening, closing, or management

Complaint: complaint on Synchrony Bank XXXX Synchrony bank has committed fraud by saying that they transferred {$6000.00} to my account at XXXX XXXX XXXX. 

On XX/XX/2017, I made XXXX transfers from XXXX XXXX XXXX to Synchrony Bank in the amounts of {$5500.00} and {$6000.00}. On XX/XX/2017, I sent an email asking Synchrony Bank to cancel the transfer. In the interim I tried to transfer the money back myself however, I was contacted by email and told that Synchrony Bank had cancelled my transfer request but it was the wrong one! They did not even look at the time line. Instead of cancelling the transfer that I requested from XXXX XXXX XXXX, they cancelled the transfer from Synchrony. Then they put a " Restriction '' on my account holding ALL of my money hostage. I have made more than a reasonable amount of phone calls to Synchrony bank with no resolution and no money either. 
In these phone calls I asked that the money be sent back to XXXX XXXX XXXX. They transferred back {$5500.00} and said that they also transferred back {$6000.00} and that it would take 3 - 4 business days to get those funds back, this was on XX/XX/XXXX and XX/XX/XXXX. 
I got the {$5500.00} back into my account with XXXX XXXX XXXX but not the {$6000.00}. I have spent days and hours speaking with managers at Synchrony Bank who say that the funds were sent to XXXX XXXX XXXX and that there is nothing they can do. They gave me a trace number ( see below ) and told me to give that to XXXX XXXX XXXX. When I did, XXXX XXXX XXXX said that they have no idea what that number is. I was told that the {$6000.00} was never transferred into my account. 
I have been given the run around by both Synchrony and XXXX XXXX XXXX telling me that the issue needs to be taken up with one or the other. In my opinion, the responsibility lies with Synchrony Bank. They have done nothing but mess up my account and attempted contacts with them from the beginning. 
The " trace number '' they gave me is XXXX. Today is the 5th business day and I do not have my money ( {$6000.00} ) in my account at XXXX XXXX XXXX. 
I spoke with a manager XXXX at extension XXXX. She told me she would call me back in an hour. When I called back after leaving 3 messages with her I was told that when she tried to call me back my phone was disconnected. Interesting since my phone has not been disconnected and it is the same number I 've been calling them from. 
I was given another managers name and phone number and was told to wait another day. That will be 6 business days without my money because of Synchrony Bank.

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 12-12-2017 about Vehicle loan or lease (Loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (MA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I let my boyfriend make a payment from my acct for his vehicle and due to his bankruptcy following month he cancellwd his payment arraignment with GM financial and turned the car over to GM. GM didnt cancel the payment and day they took car they withdrew pmnt from my acct which only money that comes into acct is my federal XXXX pmnt and daughters money. I tried speaking with them they refused to return and my bank tried to refuse payment when it occurred but couldnt. Ive tried to discuss with them but they tell me i have no relation to acct and hang up on me yet they withdrew funds from my acct that has only my XXXX dsposit. Very rude unable to discuss with them. Told me bring my BF to court then?!

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Credit card () with CITIBANK, N.A. (TX).
Issue: Payoff process

Complaint: On XXXX XXXX, 2015, I had proceeds from a debt consolidation loan issued to Macys to pay off an outstanding balance. On XXXX XXXX, the check was deposited by Citibank ( the owner of Macys store credit card portfolio ) and cleared my credit union which funded the loan on XXXX XXXX. 
The funds were never applied to my credit account and I can not get anyone from Macys or Citibank to respond to my emails. Their customer service is HORRIBLE and they simply seem to not care or push the issue off to another department claiming that someone will email me back in 3-5 business days. That timeframe has come and gone. I 've also tried calling their customer service number but consistently get transferred to an automated system that does n't allow me to resolve my issue. 
I did notice on the check that the credit union listed the last XXXX digits of this account number that appeared on my credit report they had pulled ( XXXX ). The card for this account was last a few months back so a new card was issued ended in ( XXXX ). Both accounts are tied to my name, address, phone number and SSN though and the XXXX account was simply transferred to XXXX so I 'm not sure if there was any confusion that Macys did not attempt to contact me before cashing the check.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Problem with fraud alerts or security freezes

Complaint: Equifax allowed their security system to be breached, exposing 143 million persons ' information. However, they are charging {$30.00} to freeze my credit report and protect myself from their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: on XXXX XXXX XXXX Account. 
I co-signed for my spouse on XXXX/XXXX/XXXX who filed bankruptcy around XXXX, XXXX. This account was never a joint account. I was asked to co-sign for him. After he unfortunately filed for bankruptcy, the bank stated reporting this debt on my credit. They also include previous debt before the bankruptcy filing on my report presenting stating the account as a joint account. I was never aware that the account was opened as a joint account. I was only asked to co-sign for him to help him get the loan. 
Therefore, I want the report placed on my report that I am delinquent in payment from XXXX XXXX to XXXX, XXXX, and from XXXX to XXXX, XXXX removed on my credit report. I was made aware of this problem after one of my credit card company specifically stated where the delinquent payment report was coming from. 
I do not believe that delinquent payments reports before and after the filing should be placed on my report for something I was not in control of and nobody try to contact me about the situation. 
I have already called the bank to may payments and schedule future payments but the account was never a joint account and I did not default in payment.

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 07-04-2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Struggling to pay mortgage

Complaint: On  XXXX   XXXX ,  2017 , a man knocked on my door to notify me that he bought my home on Auction at  XXXX  that morning. I had no idea my home was up for auction as I did n't receive any notification of such. I immediately reached out to the company Wells Fargo Referred me t o (   XXXX   XXXX   XXXX   ) to  assist with my loan modification documents and they stated they were also unaware of any auction date. My loan became delinquent about 8 months ago after my   XXXX   XXXX   was cut and I have been working with Wells Fargo the entire time to receive some sort of assistance. I recently received a new job with a higher paying income and submitted the new documents to be considered for assistance. I was informed by  XXXX   XXXX   XXXX  that once they received these documents ( the offer letter  ) th at we could move forward with mediation. I have sent numerous emails and made numerous phone calls inquiring of the status of my modification since and received no follow up until the morning I received the knock at my door. I had no chance to file bankruptcy or take any other steps to save my home. I want a fair review of my application.

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 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: Today, XXXX XXXX 2018, I checked my credit report to inquire about a recent credit inquiry that I did not authorize. The creditor was Equifax. I tried calling their customer service, and was told to call another number that was invalid. 

I then tried to resolve my information online, but their website claimed my information was incorrect so I was unable to access any information or help. I tried calling a different number on their website to access their fraud department, but was met with an automated message that was entirely unhelpful. 

I called their customer support line again, explained the situation and how I needed to speak to a supervisor. The representative told me there was nothing they could do besides giving me the same number I had called before, providing me with no more help.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
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: Since my identity was stolen in XX/XX/XXXX, I have checked my credit often to stay on top of fraudulent activity. I kept noticing that I have repeated negative reporting from the same company ( XXXX XXXX ). Due to their illegal collection practices they removed one of the accounts from my credit report and ceased collecting on that account - but the other one, they are keeping there but have made no attempt to collect ( since I welcome the opportunity to dispute this in court ). They are doing this out of spit - since they were unable to collect on the other debt they bought. The last few disputes I have had -XXXX , has only accepted the minimal agreement from this predatory collection company that the debt is valid and refused to investigate further. Stating that that's all they have to do - ask the collection company and if they say the debt is valid, that's what they accept - regardless of the information I provided to the contrary. The account is listed by the original creditor as a charge off and as a collection with this company - causing two derogatory ( negative ) hits on my credit report. The last time I disputed this with XXXX  was XX/XX/XXXX. I am doing it again because I am trying to clean up my credit to buy a home and this has to be resolved. A collection company should not have the ability to remain on your credit for 7 years without attempting to collect on the debt - the statute of limitations for collection on a debt in my State is 3 years. If they are not going to collect on this debt then it should not be on my credit to sit for an additional 4 years, along with the original creditor.

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 12-09-2015 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Closing/Cancelling account

Complaint: Barclays closed my Wyndham Rewards card out of the blue. I had paid the annual fee of {$69.00} 5 months before closure and now I can not reap the rewards of this annual-fee credit card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/26/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: The following accounts below were deleted from my credit report ... 
XXXX XXXXI recently check my credit report and they have since then re-appeared. These need to be removed as the original dispute was valid and company was unable to furnish proof these were mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Consumer Loan (Vehicle loan) with MarkOne Holdings, LLC (MD).
Issue: Problems when you are unable to pay

Complaint: XX/XX/XXXX I accepted a new job with the State of Maryland. Since I had a prior state debt my wages had to be garnished. This caused me to fall behind in my car payment to MarkOne. I have numerous email back and forth keeping them in the loop as to what was going on. I even had to move and provided them with the updated information. Even after making a agreement to bring my account current in XX/XX/XXXX the exact same day I communicated with someone by email my car was repossessed days before XX/XX/XXXX. I was so angry I called and forward all of my communication with a supervisor to MarkOne. They realized their mistake and instead of making me pay the storage fee and late charges to get my car out the nice supervisor instructed me to make the payment of the missed car payments totaling over {$1100.00}. She advised me that she would place all the other charges on the end of my loan note. I did just that and was able to get my car back days later. Now I am being harassed EVER SINGLE DAY AND NIGHT for the late fee amount. Not even my car payment amount. They are calling my job several time a day threaten to turn my account over to the recovery team. My payment is {$390.00} for a XXXX Honda Accord with over XXXX miles. Because of everything I went through financially I am still trying to recover so when I send them {$300.00} in a payment they still call and harass me saying they payment wo n't post because it 's not the full payment so its still as if I have n't made a payment at all. This is ridiculous. I need my car to get back and forth to work however I do n't need this emotion stress of trying to pay my bill and still looking out my window wondering did someone get it wrong again and send someone to get my car. I have had it. I am a single mother. My income is the only income in my household. I ca n't afford to make a payment every two weeks I make a payment once a month and I should not be harassed in doing that. I received another letter on Friday stating the late fee and charges have totaled over {$1300.00} is this is the case why is it not on the end of my loan agreement as agreed when I got my car back? This was even stated on my repo recovery sheet when I went to pick my car up so why am I still being harassed to pay this amount. If I had it I would have paid it by now. I have even tried to refinance this through my bank and was told I could n't because the car was sold with over XXXX miles on it. Then I tried to trade it in. When the dealer called Markone they said the pay out on my vehicle was over {$8000.00}. This car not even work {$3000.00}.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation