milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/25/2015 about Debt collection (Medical) with Credit Solutions, LLC (KY) (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Credit Solutions is reporting a claimed debt of which I had no knowledge. I received no correspondence from them and do not believe the debt is valid The collection agency never contacted me regarding any outstanding debt owed. I had a doctors appointment on XXXX/XXXX/14. My insurance information and ID was provided. I paid a {$35.00} copayment at time of visit. Was not advised of any other charge or amount due. A procedure was scheduled to be performed at an out-patient facility on XXXX/XXXX/2014. On the day of the procedure I was not advised or informed on any additional cost involved. I had no knowledge of any outstanding amount allegedly due until I found a collection account on my credit profile. I had to reverse track the collection agency name and original creditor name through the credit report. I have contacted my insurance company and they investigating the charges and amounts that are claimed to be due. I, in good faith, contacted the collection company and was willing to pay the amount they claim is outstanding and then be reimbursed by the insurance company for any over payments but want the collection removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Consumer Loan (Vehicle loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (IL).
Issue: Managing the loan or lease

Complaint: I was on automatic payment for my car loan. In fine print supposedly I do n't see it the final payment must be made by check. I did not get a notice until it was too late and now I am stuck with a negative mark on my credit report. We were never late for the entire loan. We also moved and the notice was delayed to us and we had our first baby not that they are excuses but if we paid on time all along and only had a small final payment how can that affect our credit.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2017 about Credit card () with SYNCHRONY FINANCIAL (OH).
Issue: Privacy

Complaint: My fiance and I both have individual credit card accounts with Synchrony Bank, along with one joint account ( account is in both our names ). I received notification from Synchrony that they had added two of my individual accounts ( accounts in my name only ) to my fiance 's online profile. This means that he has access not only to his individual Synchrony accounts and our joint account, but also to the account information for credit cards in my name only. Synchrony should NOT have exposed my personal information from my 2 individual accounts to him ; he did not have those account numbers nor my social security number, and did nothing to facilitate those accounts being made available to him. This is unacceptable and a mis-management of my personal information. I spent about an hour on the phone with Synchrony, explaining the issue to 3 different people. No one took ownership of the issue ; instead, they told me " it could n't happen '' ( in spite of the emails I received from them and confirmation from my fiance that those accounts were displayed to him as being able to add to his profile ) ; they also told me he could just delete from his online profile, if he did n't want to see my accounts. They are OBVIOUSLY missing the point and refusing to hear that they have violated my privacy by sharing personal/private individual account information with someone who is not listed as joint cardholder or even an authorized user on the accounts. I have no idea if this issue only occurs in scenarios where people share a joint account through Synchrony and also have individual accounts, or, if there is an even larger bug in their system where they are exposing my account information to people I do n't even know. Synchrony must be able to discern which accounts are appropriate to show an individual. Only the joint accounts should be exposed, along with only the individual accounts belonging to that person, and NOT the unrelated individual accounts belonging to the other joint cardholder. Synchrony needs to take greater responsibility in handling the private data of its customers, and most certainly needs to train their customer and fraud support teams to listen to and act on customer complaints when a privacy violation has occurred.

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 09/23/2016 about Credit reporting () with EQUIFAX, INC. (KY).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: We have been trying to get our bills paid to increase our credit scores. When I went into our credit reports we found credit inquiries that were not authorized dropping our scores approximately XXXX points. We contacted XXXX, Equifax, and XXXX in writing and by phone and they state that they will not remove them, that it is a law for them to report who pulls our credit reports. However we did not authorize these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2015 about Consumer Loan (Vehicle loan) with HONOR FINANCE, LLC (WI).
Issue: Problems when you are unable to pay

Complaint: obtained loan from Honor Finance for vehicle in XX/XX/XXXX. made payments monthly up until XX/XX/XXXX when their website told me I did not owe anything on loan. I wrote numerous letters and they did not respond until the middle of XX/XX/XXXX when I sent a certified letter at which time they told me I owed a payoff amount for the account for XXXX amount and 10 days later it would be a different amount. We never got bills or statements from this company even when we requested them. we had no idea what was going on with our loan or where we were at with payments. I sent them a letter stating that we were not going to pay additional interest due to their lack of response to all our previous letters and their lack of providing us as consumers information regarding our loan status at any time during our loan even when requested. They then sent a letter certified stating we owed yet a different amount and that they were going to repossess our vehicle without any need to go to court, but if we wanted to go to court we had to let them know in 15 days. Due to their lack in providing us as consumers the information we requested regarding our loan they prevented us from knowing balances on the loan, breakdown of payments, how many payments were left, when payments were processed vs when they were sent/made, etc. We sent letters every other month since the beginning of the loan and only once received a response and the statement we requestedTheir practices and business has kept us in the dark and with no information regarding our loan for the duration of the loan. In letters we sent it stated that all communication was to be writting and they were not to call, yet someone I know called to say that they were getting up to XXXX phone calls a day from Honor Finance who was also providing info about us that violated our legal rights. Even if they contacted us via phone I believe they are only able to call once a day.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Midland credit management is notorious for slandering credit reports with false information, and using unlawful business procedures and harassment to attempt to collect debt. I have received numerous phone calls at all hours of day and night, in addition to letters sent to my parents house ( where I have not lived for over 4 years ). I demand that they remove the collection account they are incorrectly reporting on all XXXX of my credit reporting agencies ( XXXX, XXXX and XXXX ) immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/30/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: XX/XX/2017 Re : Account ending in XXXX : Seller XXXX/ Original Creditor : XXXX Creditor to whom debt is owed : Portfolio Recovery Associates LLC {$840.00} ( {$840.00} ) Called after sent written cease of communication notice. This is the 2nd written communication! They are still calling and we can see calls on TV screen with our phone service thru XXXX. Repeated calls at all hours. They have no respect for the laws of this Country ( USA ) and for other human beings. They have no shame!

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (NJ).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: XXXX njXXXX XXXX. sueing and threatning to garnish my wages. amount owed is more than amount due to original creditor. XXXX account. now worth XXXX unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2015 about Bank account or service (Other bank product/service) with UNITED SERVICES AUTOMOBILE ASSOCIATION (AR).
Issue: Making/receiving payments, sending money

Complaint: I had several different accounts with USAA. Due to ongoing rudeness, lies and general incompetence, I moved all my business away from them. I no longer have any of my financial business with them. They still have XXXX credit inquiries being reported on my credit report. Since I have no financial business with them and never will, I think it 's fair that these be removed. But USAA is doing all they can to damage my credit. My score was XXXX before they started their campaign against me. I want their inquiries removed. Can you help me get that done?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (MD).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I made a {$1200.00} payment to my  Barclaycard Reward s mastercard. They held the payment ( i.e. not making the credit available ) for a couple days, which prompted me to call them to get it released. They approved of the release and said that the credit would be available the following day. Well ... it was n't. And when i called to ask why they had n't release it, they told me they closed the account. So they basically  XXXX  me .... they got a {$1200.00} payment out of me and then closed it. This is the card I use to travel with and I was planning to travel TOMORROW! They have totally  XXXX  me up as I would not have made that big of a payment on the card if I knew they were going to close it right after. This is horrible customer service as  one of their  managers told they would be making the credit available the following day. I even told them that I was travelling and they put a travel notice on my card! I am NOT recommending this card to anyone anymore. I used to love this card because they had great rewards but after pulling this stunt I have no more love for them whatsoever.

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 10/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (TN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX, I inquired about a car at XXXX XXXX XXXX in XXXX TN. I went there, signed an authorization for them to check my credit. No where on the application did it say multiple companies would check my credit ( XXXX to be exact ).

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2017 about Bank account or service (Other bank product/service) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Making/receiving payments, sending money

Complaint: On XX/XX/XXXX of last year, I initiated a balance transfer of {$350.00} from my overdraft account with HSBC to a new XXXX credit card that I had opened. I received a notification from XXXX that it had been executed successfully and they added {$350.00} to my balance with them, but I never saw these funds appear in my HSBC account. I called HSBC to research it and they said they had no record of having received the funds. I called XXXX and asked them to look into it and a couple of months later I received a letter telling me that by their records, the money had been transferred to HSBC and so they were unable to credit me for that {$350.00} and that I should go back to HSBC. I 've been remiss in doing so, mainly because I tried once and I have no idea how to proceed, so I am now in a place where I have to still pay HSBC the balance of my overdraft, while also paying XXXX the {$350.00} I asked them to transfer. So I 've doubled that debt through no fault of my own. Please help me look into this and see how this can be resolved. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Consumer Loan (Installment loan) with DISCOVER BANK (CO).
Issue: Managing the loan or lease

Complaint: Discover is now offering consolidation loans. I took XXXX out and I also opened a discover " bank '' account. The bank account pulls money from my checking account but then holds the money for over a week. I want to say the funds were held for 7-10 days. That 's fine if it was a check but this is an EFT transfer. So, I 'm losing the money out of my bank and not able to use it to pay my loan. So, In the meantime I look at my loan and pay the bill but the payment gets returned because the funds that they pulled electronically are n't available yet. Ok fine that does n't seem right but whatever. So, I paid 2 months on the loan and it should be due again in XXXX. I get online and verify this. Then today I find that the loan payment pulls monthly even if it 's not due. So, the site a few days ago says the payment is due in XXXX. I look at the next payment and that says XXXX and yet the payment gets pulled for XXXX anyway. So now I 'm overdrawn on the bank account will pay a fee for the return on the loan as well as an overdraft on the bank account. Then they 'll pull the money from my checking account. Hold it for 7 plus days and take fees out of it. So, when it 's time to pay XXXX bill it will be short and I 'll have to send more money that will get held and have fees taken out of. So, it 's this vicious cycle that you ca n't get out of. They should n't hold a deposit that they pulled eft out of my bank account for that long. They need to give better info on when payments are being pulled and they should n't say a payments not due and still pull it. It all ends up costing the consumer a lot in fees. After the last time this happened I thought I was planning ahead and getting the money into the " bank '' account a month early was enough time. It is n't. I 'm out fees again. Does n't seem right. Maybe it 's just me,

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/20/2015 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I had a hard paying my private student loan. Now a law firm is suing me. I hired a lawyer to help me. He has been trying to contact the firm to negotiate but they are not responding. Today I received a new summons about the same loan from another firm. I would like to settle this loan and stop wasting money on the lawyer when that money could be going towards the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Money transfer, virtual currency, or money service (Money order) with WESTERN UNION COMPANY, THE (VA).
Issue: Confusing or missing disclosures

Complaint: I purchased  XXXX   Western Union m oney orders at  XXXX  in  XXXX  o f 2011. I d id not use them for the original purpose and they were set aside uncashed. I found them recently and decided to cash them to regain the face value of the orders, a total of {$38.00}. I was not aware that over time they are subject to a " service charge '' that ultimately consumed the entire face value of the orders, rendering them worthless. This is disclosed in fine print on the rear of the paper order, with no reference or asterisk on the front of the order to indicate such a disclosure exists. Upon cashing them in my regular checking account I received a letter that they 'd been returned, earning a return check fee from my bank as a result. That fee has been waived by my bank given the situation, however I 'm still less the {$38.00} in value. {$38.00} is not a significant amount of money to me and this complaint is being made to draw attention to what I believe is a deceptive and unfair practice. For individuals who have no alternative to using money orders this " service charge '' could be a significant drain on their finances and should at minimum be clearly disclosed or preferably not charged to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2015 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: 5 AND A HALF YEARS AGO I HAD A CREDIT CARD ACCOUNT WITH BANK OF AMERICA. DURING THAT TIME MY INTEREST RATE WAS 2.9 %. MY HOME WENT TO SHORT SALE AND UNFORTUNATELY WHEN THAT OCCURED DUE TO DIVORCE, ALL OF MY VARIABLE INTEREST DEBT SKY ROCKETED OVER NIGHT FROM 2.9 TO 30 %! MY BALANCE AT THAT TIME WAS {$2300.00}. SINCE THEN I AM TOLD THAT BANK OF AMERICA HAS SOLD MY DEBT AND IT IS NOW A CHARGE OFF. I CONTACTED BANK OF AMERICA AND THEY WERE UNABLE TO VERIFY WHO IN FACT BOUGHT MY JUNK DEBT. SINCE THEN SEVERAL COLLECTION AGENCIES HAVE CLAIMED THIS ACCOUNT WITH VARIOUS AMOUNTS OWED. MOST RECENTLY XXXX XXXX HAS POPPED UP ON MY CREDIT REPORT CLAIMING I OWE THEM A WHOPPING {$19000.00} FOR SAID DEBT WITH BAND OF AMERICA.I HAVE SENT SEVERAL DEBT VALIDATION LETTERS TO XXXX WITH NO RESPONSE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I have had a mortgage for 13 years with Bank of America. I was late with my payment for XXXX 2015 but had properly submitted the payment with late fees through the Bank of America online mortgage payment tool. The payment was accepted for the date of XXXX XXXX, 2015. I just received on XXXX XXXX, 2015 a letter from Bank of America stating my mortgage loan has been transferred to XXXX and saying that Bank of America has cancelled my payment. The letter is dated on XXXX XXXX, 2015 but I received it almost 10 days later. I have no information from XXXX and I fear that my home is now at risk. I can not reach anyone at either Bank of America or XXXX because all of this came to me on the weekend and it is outside normal business hours. This is absolutely irresponsible and can not be legal or ethical to FAIL TO COMMUNICATE in ADVANCE a loan transfer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Checking or savings account (Savings account) with WELLS FARGO & COMPANY (GA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I deposited {$94000.00} on  XXXX  at a branch in  XXXX , PA. They put  XXXX  holds on the account. Later they put an indefinate hold on the account citing that the maker bank put the wrong account numbers on the check. Then they said the check would never be honored and said the FDIC would write me a letter with no clear date or timeframe.     I am told today by  XXXX  that the funds have cleared the bank and they are not deposited into my account

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 11-01-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (IL).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: Navient has refused to lower my monthly payments based on my monthly income. During this time my account as fallen delinquent, account balance and increased, and my credit has been damaged. They have required me to pay over {$1200.00} each month on these 4 private student loans. This has hindered me from being able to pay on my federal student loans at all. I have been paying them what I can afford. I now have a XXXX XXXX and they have still increased my required payment amounts even more. Finally, on XX/XX/XXXX ( while on a recorded phone call ) Navient agreed to temporarily lower my monthly payments. After providing my income statement, monthly bills, and being harassed about why I had each bill. Supervisor XXXX XXXX ( employee # XXXX ) stated my payments could be temporarily lowered to {$510.00} per month until XX/XX/XXXX. Then these payments would go back up to {$1200.00} per month. I was also told that my account would be reported delinquent to credit bureaus until at least XX/XX/XXXX before the account would then be brought current. I later received a letter in the mail that listed the recurring automatic payment dates but no detailed terms and conditions. On XX/XX/XXXX I received a call from Navient stating the payment arrangement would be automatically be debited from my account at XXXX and to make sure that I had the funds available. On XX/XX/XXXX the funds were deducted from my account. I am now receiving more harassing phone calls from Navient. They are telling me that my payment agreement has been rejected and that I need to call them back. Navient has taken my money and now refusing to honor our agreement and bring my account current. Please see attached payment arrangement.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BMO HARRIS BANK NATIONAL ASSOCIATION (AZ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I did not solicit this company for their business XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2017 2017

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 01/27/2017 about Debt collection (Medical) with Aargon Agency, Inc. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I keep receiving calls from XXXX. They say they are trying to collect a debt that I incurred from my place of employment, but they do n't know what the acronym for the business means. The person calling is rude and refuses to send me any documentation in regards to the supposed " debt ''. The man that is calling says his name is XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation