milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-05-2017 about Debt collection (Credit card) with JH Portfolio Debt Equities, LLC (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have never applied for any credit card. I do not have any credits to my name. This do not belong to me at all. I have this on my credit and I do not understand why. I have been asking for proof that this is my debt. I have have n't received anything on this matter. I need this removed from my credit it 's making my credit look bad and I do n't even own a credit card at all.

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 08/13/2015 about Bank account or service (Checking account) with Comerica (TX).
Issue: Deposits and withdrawals

Complaint: I have been charged overdraft fee 's unwarranted by Comerica bank for XXXX unauthorized for $ XXXX.each resulting in fee 's of {$140.00} fee 's between XXXX XXXX and XXXX XXXX 2015 and was charged a continuous OD fee of {$6.00}. resulting from these withdrawals of overdrafts fee 's and caused XXXX more OD fees in this same period because of fee 's taken by the bank. Also have other transactions such as teller counter withdrawals of {$30.00} which I inquire balance before withdrawal and balance was $ XXXX.but the next day I received OD charge was told had a pending soft post the teller could n't access on her system therefore she gave the wrong info on my balance and allowed a withdrawal when funds really was n't available which cost me {$34.00}. I 've called to address this for the last XXXX and very little to no response from their escalation dept.to get this resolved

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-08-2017 about Bank account or service (Other bank product/service) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Account opening, closing, or management

Complaint: I have received my Capitol One Bank Credit Card 3 weeks ago, until now I ca n't access my credit card online, I gave them several calls from 3 weeks ago I even visited there branch office to get this fix, until now no resolution, I have been promised several times 72 hours every time I call, fast forward to 3 weeks now still no resolution not even a tracking number for my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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: Under the new law effectively XXXX,2017 any public record data must include name address as well as SSN or DOB in order for it to appear on my credit file. The Credit Bureau has  not updated the information per the new law. I 've contracted XXXX, Transunion and XXXX on several occasions in reference to this matter and they have yet to remove the item. Each send me a response saying that they are still investigating the matter. I 've been disputing this error with all three Bureaus since XXXX 2017 and nothing has happen. True Bankruptcy listed does not include this information and should be deleted immediately from my credit report.

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 10/27/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Credit reporting institutions issue inaccurate and incorrect auto loan listed as mortgage information to financial institutions. Auto loan from XXXX has not been updated since XX/XX/2016 even when I furnished proof of payment and/or settlement on balance of {$13000.00} to {$1500.00} which documents provided by XXXX are attached. This has adversely affected my credit that I had to return a leased car due to dealer failing to secure a financier in addition to not being able to obtain funding of any amount. My employment is in jeopardy since it is premised on me having reliable transport.

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 11/24/2015 about Debt collection (Credit card) with M&S Recovery Solutions (GA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: M & S Recovery Solutions, LLC contacted my mother on a past debt that I was not aware of on XXXX/XXXX/2015. They left a message for her to call them back. When she called they told her that they were going to file a XXXX on her with the IRS on a Credit Card purchase of mine at XXXX XXXX XXXX and told her to have me call them immediately to prevent this action. She was never involved with either the obtaining of a credit card for me or any purchase I made at XXXX XXXX XXXX and they are threatening her and giving her information on my account with them.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX lists a credit card account with multiple accounts with the actual opening of card on XX/XX/XXXX ( # XXXX ) credit limit XXXX with high balance of XXXX, updated on XX/XX/XXXX ( showing date closed XX/XX/XXXX ). Credit limit increase to XXXX ( # XXXX ) on XX/XX/XXXX with a carry over balance of XXXX. ( date closed XX/XX/XXXX ) Acct : XXXX shows a high balance XXXX on XX/XX/XXXX without credit limit info. XX/XX/XXXX ( # XXXX ) shows a credit line decrease of XXXX with high balance of XXXX XXXX years later! There are no late payments or fees involved and clearly this is erroneous.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (CO).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX XXXX called and spoke to my husband on XXXX XXXX 2016. They disclosed all the information about my debt with him. I have never given XXXX XXXX permission to disclose information to my husband. My husband also does not have a power of attorney. For them to do this it is a violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Debt collection (Mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Just today the Bank has called my number 4 times and it is only XXXX. I always make the monthly payment. One call is plenty. 

Bank of America.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Consumer Loan (Vehicle loan) with HARLEY DAVIDSON FINANCIAL SERVICES INC. (OH).
Issue: Problems when you are unable to pay

Complaint: The company starts at XXXX a.m., calls numerous times every day, XXXX days a week and stops at XXXX p.m. to include customer service direct and robo calls. They should not be able to call more than XXXX time a day and not on Sundays as this is our religious holiday. If you provide information it is to be recorded on your file and they need to stop the daily phone calls. Nothing changes from XXXX hour to the next or from XXXX day to the next. This is harassment,.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (NH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Again did not recieve letter with rights to validate debt. Violates the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Debt collection (Medical) with USCB, INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was a member of XXXX XXXX since XX/XX/XXXX as l was employed by XXXX XXXX XXXX XXXX XXXX and since l retired on XXXX XXXX on XXXX XXXX Lifetime in XXXX.California. 
All Medical visits was paid by ex employer XXXX. 
XXXX XXXX in California has sent me to collections and ruined my credit and scores with XXXX.XXXX and XXXX. 
XXXX has me in collection for {$180.00} with interest and charging me interest of {$8.00} each month l do n't pay. 
I had a Medical number with XXXX California # XXXX. 
I am on XXXX XXXX Lifetime and Retired. 
I am on Prescribed Medications for my XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (TN).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: Customer service will not provide an explanation of exorbitant ( over XXXX ) fees. I have made numerous requests for a statement of how and when my payments are posted and how the fees were calculated. This company is violating my rights as a consumer. This issue has been ongoing since I bought the vehicle in 2015. The dealer did not give me any other financing options. They rushed me through the process and led me to believe Ally was the only finance option I had. I feel that this was a violation of the TILA and will seek damages if this is n't resolved in a timely manner.

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 03/14/2016 about Mortgage (FHA mortgage) with FBC MORTGAGE, LLC (CO).
Issue: Loan modification,collection,foreclosure

Complaint: I have been in your home for XXXX years and have an FHA Loan. I have a solid previous payment history and in XX/XX/XXXX you lost your job. Within a week of losing my job I filed for Unemployment benefits and contacted the Mortgage Company ( FBC Mortgage ) for assistance. I called and spoke to several agents, requested a loan mitigation package, and filed all the paperwork that the bank requested. And yet, when I called for a status Friday XXXX XXXX XXXX, I was informed that they have put me into foreclosure, without resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2015 about Other financial service (Refund anticipation check) with U.S. BANCORP (RI).
Issue: Unexpected/Other fees

Complaint: I mailed a payment to the XXXX XXXX which presented to my checking account on XXXX/XXXX/15. XXXX/XXXX/15 I filed for bankruptcy this account was not included, because of this my insurance paid off the balance of my account causing an over payment. XXXX/XXXX/15 I requested to have the over payment returned, that request was not processed. XXXX/XXXX/15 second request for over payment started this was completed. XXXX/XXXX/15 I received my check and I deposited it on XXXX/XXXX/15 to my account. XXXX/XXXX/15 the check was returned unpaid as unauthorized. My checking account was then charged a {$20.00} fee for a {$25.00} check. I am not out {$45.00} instead of just {$25.00}. XXXX/XXXX/15 I contacted customer service to XXXX for a replacement of funds, they stated someone would contact me back and they would find out why the check returned. XXXX/XXXX/15 I have yet to receive a call back. I have contacted this customer service almost on a daily bases and either the call is dropped or they tell me a supervisor will call back in 24 business hours and yet I have not receive a call or my money. I have requested the telephone number to the corporate office and have been told there is no number. I checked on line found a number that is just a series of voice recording information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Debt collection (Payday loan debt) with Integrated Recovery Services (KS).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: Repeated phone calls and leaves messages saying I am going to be sued if I do n't return call. Called them back today XXXX and XXXX XXXX said they will file suit for {$1200.00} dollars but they would settle for 30 % if paid today. I told him I wanted proof of the debt by mail in which he said he will not. He then started cussing me calling me profane names and said he would keep calling my place of employment and get me fired.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Debt collection (Credit card debt) with Diversified Consultants, Inc. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I tried multiple times to reach out to get this debit removed that was not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-04-2015 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Other

Complaint: In XXXX of this year, I tried to sign on to my Amazon.com store card account. I had never had problems before. A year prior to this, I voluntarily closed my account to further purchases but I never had problems signing in to pay my account. So in XXXX, I tried to log on and got the message : " We are unable to perform the operation requested. Please click the " Back '' button and try again. ". I call and talk to supervisors ; i try the chat ( but that is useless ). It 's an online account and very difficult to access your own account number. They charged me late fees and said they reversed them BUT I could n't tell because I could n't log in. Their tech support says they will help, but they are suspicious because the site says THAT I DID LOG IN!!! It was counting my unsuccessful attempts as successful log ins!! Today, I called, and a VERY SNOTTY, UNPROFESSIONAL, AND RUDE supervisor refused to give me a reason as to why I was NOT ALLOWED to log in to my own account. HOWEVER - I have since discovered that I can log on to their mobile app - AT LEAST I can see they have n't refunded me the {$70.00} late fee. I 'm sure when they discover I can access it on the mobile site, they 'll shut me out of that too. 
I have wasted valuable time trying to access the account. I would like to sue them and I think I have a great case. They also do n't give customers an Auto-Pay option like every other credit card. Synchrony - formerly GE Bank - is THE WORST CREDIT CARD COMPANY OUT THERE. DO NOT apply for XXXX of their cards. Every card I have every had with them has had problems ; none of my other cards do and if they do, the problem is solved efficiently and professionally. PLEASE DO NOT APPLY FOR A CARD. These crooks need to be shut down. Consumers do n't deserve this abuse, so let 's not give them the opportunity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/15/2015 about Mortgage (Home equity loan or line of credit) with BAYVIEW LOAN SERVICING, LLC (FL).
Issue: Application, originator, mortgage broker

Complaint: There is someone by the name XXXX XXXX showing up and affecting my credit score.. 
I have contacted XXXX credit tracker to dispute the matter! i got a letter in the mail that said they had contacted the furnish vendor. its has already been 3 months and no action has taken place.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KS).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I am part of the Equifax data hack. I have tried to call and put fraud alerts on my accounts, I was then directed to a website and that would be fine, except the websites are not working due to high volumes. I tried at all 3 of the credit bureaus. 

I also tried to freeze my credit with Equifax and was directed to the online page, only to be told I have to handle it by mail or the page was n't working at all. I am very frustrated that I am left to deal with a mistake that was made by Equifax and ca n't get anyone to help me put a process in place to protect myself. It is not possible to get through to anyone at Equifax who can actually help you with any of these additional measures. I would like Equifax to pay to put a freeze on my credit for the next year, so I can try and keep my identity safe. 

As a consumer, I understand accidents happen, but I also expect a company to do everything in their power to correct it ... ..I do n't feel any of the individual victims have been given the kind of customer service we deserve and I do n't feel we should have to pay additional money for an Equifax mistake .

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Debt collection (I do not know) with Convergent Resources, Inc. (NV).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Convergent Res called to say I owed money on a XXXX XXXX account. XXXX XXXX is no longer a banking institution nor has it been for a long time. Additionally, I have never had a XXXX XXXX account or any of their banking products. 

After telling the company the aforementioned, I was asked to provide Personally Identifiable Information ( PII ) in order for them to place me on their " do not call list ''. Asking for PII is highly illegal, especially after I 've told them they have the wrong person.

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 03/23/2016 about Mortgage (Conventional fixed mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been in review with Rushmore for over 1 year trying to get my mortgage modified. We are currently assigned to XXXX XXXX, who has been nothing but combative and rude throughout the entire process. I am asking for our representative to be changed immediately, as she is nothing but degrading and very snide to my advisors as well. She has done nothing to help us but only harm the process. As I have stated, we have been in review for almost 1 year. We even told Rushmore that we have {$10000.00} to put toward a down payment on a modification, still they drag their feet. We have sent the same documents over and over. I think it 's because they just do n't like us and are trying to stall to sell our house. What happened most recently was that they put a sale date on our house for XXXX/XXXX/XXXX even though we are still in a Chapter XXXX bankruptcy that is not discharged. Not knowing the laws and not knowing we are still protected. My huband filed a Chapter XXXX in his own name on XXXX, a day before the sale, which was upheld by the Bankruptcy court as valid. Just last week, XXXX, Rushmore 's attorney, XXXX, tried to file something to overturn our bankruptcy based on a document he filed in XXXX. The bankruptcy judge overturned his filing ( attached ) and said there will be a hearing on XXXX/XXXX/XXXX to give us time to respond. I am currently talking to my atttorney to file a response to let the court know how hard we have been fighting Rushmore to keep our house. We have been assigned to people who refuse to help us. The letter from the bankruptcy judge who overturned XXXX 's filing has been on file and emailed to all involved ( Rushmore and XXXX ) on XXXX. It is now XXXX and Rushmore states that there are no new developments and they have to wait for instruction from XXXX 's office. Every day they wait is a day closer to me losing my home. They have this letter in their possession and they are still not trying to move forward. My advocate XXXX has called XXXX, who now conveniently does n't answer the phone, as well as her supervisor XXXX, who has not called him or us back for now another 2 days. I have been on the line as XXXX has left messages. I need help moving this forward, nobody at Rushmore has helped in the slightest, all they have done is talk down to us, ignore us, and ask for the same documents over and over. I further give my permission to talk to XXXX XXXX and/or XXXX XXXX at XXXX XXXX, they are working hard on my behalf but have also just been disregarded by Rushmore. I am also putting my authorization in writing ( attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have been working to restore my credit in order to qualify for a mortgage. Recently I paid off an old charge off and my credit score namely   XXXX   XXXX   which is used by lenders took a severe hit. I started the month o f   XX/XX/XXXX    at a   XXXX  . In an effort to increase my score I paid off an old charge in full. My score was then dropped by the   XXXX    agency to a  XXXX . The explanation offered by   XXXX   was because I had paid on an old account that it warranted my score dropping even though the account was charged off for 2+ years. This does n't make sense since I had also paid off prior charge offs in the months of   XX/XX/XXXX  an d   XX/XX/XXXX     and my score increased. But it gets worse. It 's public knowledge that  XXXX  was going to remove Civil Judgements if they did not have a social security number associated with them. I had a civil judgement from   XX/XX/XXXX  ( which was satisfied in  XX/XX/XXXX   ) removed from my credit report on or about   XX/XX/XXXX .    XXXX   XXXX   score dropped another   XXXX    points to a  XXXX . I have attempted to reach out to the  XXXX  Agency for an explanation into their scoring methodology. They can not explain such a large drop in less than one months time. Nothing else on my credit report has changed. No new debt or derogatory items were reported. I find this whole process to be inequitable and inexplicable. Like many Americans I ran into financial difficulty during and after the financial crisis. I am only attempting to qualify for a mortgage like I had prior to the crisis. I never had a bankruptcy or foreclosure. Despite doing the right things and paying old debts my score continues to drop. How is this fair to the consumer?

Company response to consumer: Closed with explanation