milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/24/2016 about Debt collection (Medical) with Overton, Russell, Doerr and Donovan, LLP (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have XXXX paid collections remaining on my credit report this is hurting me from getting a home loan I sent written request to all credit agencies to have them remove. They show paid but open.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Credit reporting () with Experian Information Solutions Inc. (WI).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have asked Experian to remove hard inquiries on my credit report that I did not authorize or have business with. Experian replied that they were verified. The following requests for hard inquiries were not authorized by me and I would like them removed. XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX fund. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX 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 08-03-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Credit decision / Underwriting

Complaint: Hi, I started to having issues financially to paying my mortgage and i contact the bank mortgage and begins the process to the retention program HAMP, from XXXX or XXXX last year 2015, I was sending all documents its required and always they asking for more documents, for any X or checkmark they refuse to continue the process inclusive calling me over the phone and interviewing me for the little mistakes did on the all forms, I reviewed and sent it back, I agreed to cooperate with all documents in order to complete the hole process, but i think they were waisting my time and wait until a year to send me to the foreclosure process, my financial issues were verify in my documents summited on time every time they requested but now they put my house in foreclosure even did not have my process completed and with no additional or alternative options, i have my rights to receive all help from this process and to get my options to determine the better option to keep my home. my family are working hard to make this help happens, the mortgage company is not showing nothing and then now i have to find a lawyer on my expenses to help me and interfere for my home. We have only 15 days to find a lawyer before bad news coming from the court .I think this is a one way to avoid help family to save their home. I want you help me to get the HAMP program completed and have the mortgage bank approved my modification loan or retention home program either way keep what i paying to them. They did n't let me to continuing paying my loan until they finalized the process, that i gave them my consent and intention to reinstall my payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (VA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: They said due to my loans being private the only option I had was to extend my payments out an additional five years to save {$75.00} dollars. My only options before were forbearance or interest only payments. Literally half of my take home goes to paying my student loans and they are doing nothing to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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: Equifax continues to use information that does not belong to me on my credit report. I have reported this issue to Equifax numerous times. Even after their " investigation '' they still purposely report the same information as my name being XXXX XXXX XXXX XXXX. 

On page 3 of the document Equifax XXXX, Equifax has updated my information to say that, " I may wish to provide my credit grantors with the update : Name : XXXX XXXX XXXX, XXXX Ssn XXXX Birthdate XX/XX/XXXX. This is not true. 

On page 4 of document Equifax XXXX, Equifax is again asking for a copy of my identification and social security card, to which I have already mailed to them by US mail. Equifax has confirmed the receipt of my identification as indicated in my CFPB complaint # XXXX on XX/XX/XXXX. 

On XX/XX/XXXX, I contacted Equifax at XXXX. I spoke with XXXX of Equifax ( id # XXXX ). She asked me to verify my name and when I did, she stated that my name has the suffix " XXXX '' at the end. I told XXXX that my name does not have any suffix. XXXX told me that I needed to send in my identification. I informed XXXX that I had sent my identification and social security card to Equifax over 30 days ago. I also informed XXXX that I have already disputed this information with Equifax aroundXX/XX/XXXX. XXXX did acknowledge receipt of my identification. Even after Equifax received my identification to verify my name, Equifax has continued to report information about me under a name that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: i am a victim of identity theft and while I was incarcerated, someone stole my personal information and identity and applied and opened up unauthorized and fraudulent accounts in my name. The following accounts listed on my Equifax credit report is unauthorized and fraudulent : XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, # XXXX, # XXXX, & # XXXXXXXX # XXXX, # XXXX, # XXXX, # XXXX, # XXXX & # XXXX, XXXX # XXXX & # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Credit card () with SYNCHRONY FINANCIAL (TN).
Issue: Other

Complaint: I was issued a refund on a travel purchase that was credited to my Sam 's Club XXXX XXXX issued by Synchrony Bank. The refund, {$4100.00}, was transferred to my account, # XXXX XXXX XXXX XXXX, on XXXX XXXX 2016. In a call to Synchrony Bank today, they said they could only send me a refund by check and that would take up to a month, corresponding to my next billing cycle. So Synchrony has a plan to hold my cash for another month before returning it to me. Yet when I pay my account at Sam 's Club or at Wal-Mart by check, they immediately electronically draft the payment out of my bank account. But they claim they have no way to electronically return my cash to my bank account except by check sent by USPS mail. 
Synchrony Bank has very effectively stacked the procedure to take advantage of their customers and that indeed is wrong. 
XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, TN 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 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GOLDMAN SACHS BANK USA (FL).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint: A company XXXX : by Goldman Sachs, placed an unsolicited request for my credit history from XXXX Credit Reporting agency. NO.. authorization or request for credit was ever submitted by me for a personal loan. I had received an unsolicited email marketing advertisement from : '' XXXX XXXX XXXX XXXX '' and was just scrolling through the listing of companies offering loans and what their Interest and terms were. NOTHING MORE ... .just a review of their listing. Goldman Sachs placed a " Soft Inquiry " to XXXX to get my credit history. I never sought/ requested or gave authorization to any one to review my credit history. I feel Goldman Sachs was using the marketing Ploy by " XXXX XXXX XXXX '' as unlawful/ fraudulent effort to get Names and Credit History. Goldman Sachs would not withdraw or inform XXXX Co that their request for my credit history was an attempt at invading my personal privacy ' It is Just another form of " Identity Theft ''. Please look into this matter. If it happened to me, ... it probably happened to anyone who might have reviewed that XXXX XXXX Advertisement.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Using a debit or ATM card

Complaint: A merchant tried crediting me back for {$1500.00} in XXXX XXXX for a payment I made with a old debit card in XXXX XXXX. This credit never posted to my bank account because Bank of America can find no record of this card in my name. However, I have receipt from merchant showing I paid with the said debit card and a matching bank statement showing the charge on that card went against my bank account. I also have email from Bank of America bank in XXXX where they are informing me they are disconnecting this card do to security concern. Even with all of this clear cut information, Bank of America still denies I had that card. The merchant ( XXXX ) has provided receipts and their bank statements with trace numbers to try in find out where the funds are now since it did not return to them. I have been going at this for 3 weeks now and no one at Bank of America will look into where the funds actually are now. It should be easily traceable with the trace number to solve the issue. Why can no one tell me where the funds are now to solve the issue? Please help. Thanks.

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 11-12-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My wife and I have credit cards showing logos either from Visa, XXXX, or XXXX. Within the XXXX Card category there is XXXX card whose processing is done by a third party, XXXX XXXX XXXX, who send out the monthly statement and receive the monthly payment. We have XXXX other XXXX cards whose processing is done by XXXX itself. 

Our card that is processed by XXXX XXXX XXXX has again been the object of attempted fraud. XXXX phoned us to confirm that certain new charges were fraudulent. Since the charges were fraudulent, XXXX said they would cancel the current card and issue a new card and send it to us " overnight. '' I thank them for their vigilance. This latest nuisance gave us reason to pause. 

In reviewing our personal records, we discovered that XXXX has had to issue XXXX replacement cards to us in three years because of attempted fraud ; this last card will be number XXXX ; this year we have had XXXX fraud attempts with XXXX card. 

Our XXXX cards have never been lost or stolen, yet these breeches have continued for three years. The charges were made out of state, at supermarkets, fast food businesses, etc. Our frequency of use of the XXXX other XXXX cards is about the same as the XXXX card ; ditto the Visa XXXX. However, cards processed by XXXX itself, have not been breeched. XXXX XXXX was breeched once several years ago, due to a problem originating at the processing bank. 

Why does XXXX XXXX XXXX not conduct its business in a proactive way, to prevent fraud attempts rather than acting after the fact. Our latest cards, whether bearing the Visa, XXXX, or XXXX logo all have the new " chip '' technology. In my opinion, security has to be improved. The name of XXXX XXXX, on whose behalf XXXX processes the card information, suffers by association.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XX/XX/17 at XXXX I attempted to make a cash deposit into Bank of America ATM in XXXX XXXX, IL. ATM stated it was not accepting cash deposits at this time. I attempted to use the drive through service but they refused to help since it was XXXX and they were closed. The teller at the XXXX XXXX, IL location told me that any fees incurred on my account due to the ATM equipment issue will be refunded and to call Bank of America to report the issue. I called Bank of America the next morning and explained the issue to XXXX XXXX ID# XXXX who informed me that it is not Bank of America's problem if their equipment isn't working and that the $XXXX in overdraft fees as a direct result of Bank of America's refusal to accept a deposit through their ATM would not be refunded.

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 12-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HEARTLAND PAYMENT SYSTEMS INC (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Account is reported as late, payment is up to date. Address was never changed for statement. Did not receive bill.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Vehicle loan or lease (Lease) with HYUNDAI CAPITAL AMERICA (NY).
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint: This is a follow up to case # XXXX. I was not able to respond to Hyundai 's " response '' prior to it being closed. I turned in my leased Hyundai on XX/XX/XXXX. In XX/XX/XXXX I received a bill from Hyundai for {$630.00}. I was aware of the {$400.00} disposition fee which was clearly disclosed in my signed lease agreement. I paid it on XX/XX/XXXX. I called and spoke with XXXX at Hyundai who informed me that the extra XXXX was for damages to the vehicle. I vehemently disagreed, there were NO damages to the vehicle ... NONE. He proceeded to tell me that they had photos to prove it, and described it as `` road rash '' on the right front bumper. I had at least one other conversation with people at Hyundai where they were very insistent that the fee was for these claimed damages. As a matter of principle, I chose to dispute this. Now, imagine my surprise when the in response to my last complaint, Hyundai themselves admit that the fee was NOT for damages ... .but rather for an early lease turn in. Make up your mind Hyundai!! I called XXXX XXXX several months prior to turning in the vehicle to find out about turning in early and was clearly told that I could turn the car back in as early as 120 days as long as all my payments were satisfied. I paid all of the contracted 36 payments on time, in fact ahead of time. No one at the dealership mentioned that I might be turning in early. So, Hyundai ( since they ca n't prove damages - because they were n't any ) now  conveniently has come up with another reason for this fee. In the meantime they have reported the {$230.00} as " late payments '' and essentially tanked my credit score. Case of big business harassing the little guy.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Bank account or service (Checking account) with U.S. BANCORP (AR).
Issue: Account opening, closing, or management

Complaint: Opened an account at u.s. Bank online not even a month after opening the account my card was compromised I freaked out and called as soon as I saw the authorizations pending the guy on the phone told me they were just authorizations and that they would fall off in three days they did n't fall off a few days later they posted to my account so I called again this time livid that I had been lied to but this was only the beginning of the lies the gentleman shut down my card I told him I would not be comfortable depositing anything into the account until the number was completely changed he said that would n't be a problem and so did numerous customer service reps I even have an email where one of these reps acknowledged she saw that in the notes exactly but I 'm getting ahead in the story so back to the second call I told him to turn off my overdraft before he transferred me to the fraud department me and the fraud department went through all the transactions I told him I had a car payment pending out and he assured me that my car payment would not be returned and it was first fee hits I call fraud they said " overdrafts are paid at the banks discression '' but they did promise any fees related to this at all would be refunded XXXX XXXX they apply provisional credit I removed all funds until account number can be changed except a small amount of money on the XXXX my auto financier put through the car payment again and I 'm charged a second fee I call and explain what I was told over and over again only to be told too bad they do n't care that I was n't comfortable putting my money in an account that was compromised or that they told me all fees would be waived if related I would say me not being comfortable putting a cent in an account that I do n't feel like is secure basically we do n't waive overdraft fees we are US BANK so I begin emailing customer service only to be told repeatedly that it 's my fault my issue not a US BANK issue I get conflicting information from every other email they send and then they tell me their entire management team has reviewed it and I have to pay these fees I told them to close my account so I would stop getting charged " extended overdraft fees '' they said they could n't until I paid the balance remember I opted out on the phone when I reported the card stolen initially. So these are n't even fees I agreed to by this point. This bank needs to be broken up you can find so many blogs of similar or worse issues the one constant thing is lying. Integrity is extremely important especially in a financial institution. Taking ownership of issues is another thing you ca n't do you boast 5 star service it 's more like 0 star service your people are rude and hateful you do n't do what you say you 're going to do you definetly should n't be trusted with anyone 's money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Debt collection (I do not know) with AFNI INC. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have filed a complaint and have been working with Ocwen to finalize this modification as of XXXX of XX/XX/2014. I have made all payments from what we were told and on all our statements nothing is being posted for those payments as well as we did get a new doc to finalize but our principle has gone from {$360000.00} to {$380000.00} which means they have not posted the payments and are now trying to take advantage of the funds and my payments. We are in the process of doing a sale on the house but they have not corrected my wifes and my credit reports as they have been posting that it is unpaid and they need to correct the balances and fix based on payments. This is an illegal activity that they are continuing to do. 

we have also obtained all proper insurances and are being told that XXXX is not rated high enough for them to be used for insurance and when I talk to XXXX they state ocwen is nuts. They 're also requiring insurances I do n't legally need.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2017 about Debt collection (Medical debt) with AMCOL Systems, Inc. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I have been harassed by AMCOL for a debt that I do not owe. The hospital where I was admitted ( XXXX XXXX, 2015 ) incorrectly coded the visit which caused a rejection by the XXXX XXXX XXXX XXXX. I called XXXX and opened a case number. This was last year. I contacted XXXX XXXX XXXX and they admitted they never sent me a bill or I would have known to dispute the claims. The Doctors at the hospital falsified their reports which has caused all of this in the first place. I never heard back from XXXX XXXX Hospital or XXXX since I contacted them over 6 months ago to try to resolve this issue. I engaged an attorney to get AMCOL to leave me alone, and they would not stop harassing me. I threatened to sue them, and that is when they put this against my credit without resolving it with the people who engaged them. I have a copy of the hospital report, and the original claimant 's name is not on it. Again, they never sent me a bill regarding any of this, they sent me to a Collection Agency to harm my hard-earned credit.

Company response to consumer: Closed with explanation