milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ProCollect, 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 FDCPA, you have the right to debt validation. This means a consumer can demand that a creditor reporting information to the credit bureaus prove the account is really your responsibility and that the balances are accurate. I have tried several times contacting the collection agency showing on my credit report " Pro Collect & XXXX XXXX XXXX '' for debt validation. I have also contacting the credit bureaus several times for debt validation. Neither has shown proof of debt validation. 

According to FDCPA the law states : " If the collection agency failed to validate the debt and has sent a notice of the debt to a consumer reporting agency, the notice of the debt must be removed. If not, send a notice of the failure of the validation to each consumer reporting agency that lists the debt. Unless the credit reporting agency can validate the debt, it should be removed from your credit report. If the collection agency sends you proof they have the right to collect the debt, the debt is yours, and the amount is accurate, then the debt is validated. '' It has been well over 30 days for the collection agencies and the credit bureaus for showing proof of debt validation. Therefore I am asking that Pro Collect Inc & XXXX XXXX XXXX to be removed from my credit report immediately.

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 01/14/2017 about Bank account or service (Checking account) with U.S. BANCORP (OH).
Issue: Using a debit or ATM card

Complaint: Bank notified me of over drawn account due to fraudulent debit card transactions not authorized by me. Bank told me to disputed the charges, and required me to make deposit into the account because it was overdrawn due to fraudulent transactions.

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 04/28/2015 about Consumer Loan (Vehicle loan) with HARLEY DAVIDSON FINANCIAL SERVICES INC. (CA).
Issue: Problems when you are unable to pay

Complaint: Numerous phone calls at work even after I have stated that I am not allowed to receive personal calls as well as threats in regards to showing up at my job and contacting my manager directly. I have provided the hours that I am available after work and they are closed during those hours so they told me that they will continue to call me at work and leave harassing phone messages on my work voice mail.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I called in XX/XX/2018 to argue about the amount of XXXX that was billed to my account. I never received my JC Penney Credit Card through mail. Someone else must have received it and used it in other stores. I called Customer service and i was told they would clear my account. I received another statement this month of a bill of 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 non-monetary relief
Consumer complaint received 10-03-2016 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (KY).
Issue: Loan servicing, payments, escrow account

Complaint: I sold my house and closed on the property on XX/XX/2016. During closing the title company paid the second installment of my property taxes in the amount of {$2300.00}. I looked online the same day and noticed Shellpoint Mortgage also payed my tax payment the same day. I called and asked to Shellpoint to hold payment that afternoon due to the fact I just closed on the property. I was told that since they had n't received the payoff there was nothing they could due despite being almost 3 weeks early on the payment. A few days later my lawyer was able to contact XXXX County Treasurers office after they had received the payment from fidelity Title company so they were able to flag my account to avoid double payment from Shellpoint Mortgage. I have contacted Shellpoint multiple times on this issue with no resolve. When you call Shellpoint Mortgage you can only speak to the person who answers the phone in customer service. They will not transfer you to anyone. I 've asked to speak with someone in the tax department but every time I 'm told no. Also every time I call i 'm told a different story by the person on the other end of the line. As stated before I called on XX/XX/2016 around XXXX EST. about trying to get the tax payment stopped. I was told on that phone call that since they had n't received payoff there was nothing they could do. The Next time I called was on XX/XX/2016 at XXXX. EST. at that time I figured there would 've been plenty of time for them to receive and process my refund. I was told on that phone call that processing could take up to XXXX weeks and again I was told that I could speak to no one else but the person I was speaking with. I specifically asked to speak to a manager but was told that one was not available. So I waited until XX/XX/2016 to call again figuring that would be plenty of time for processing to take place. I made that call at XXXX EST. this time I was told that processing could take XXXX weeks. Again I asked to speak with someone in the tax department and again I was told no. This time the woman told me she would put in an email to the tax department about this situation and she 'd get back with me as soon as she got a response. Today is XX/XX/2016 and I still have n't heard anything from them. In between my calls my lawyer tried to intervene due to the fact he has power of attorney for me and he was told they could n't talk to him about my loan. He also sent a letter to Shellpoing Mortgage Servicing trying to resolve this issue but we 've receive no response to that letter either. I 'm fed up with dealing with this company and am asking for your help in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (FL).
Issue: Managing the loan or lease

Complaint: I purchased a washer and dryer from XXXX. XXXX XX/XX/XXXX for {$2500.00} ( including tax ). There was a 0 % interest loan offered which I accepted. My understanding was the loan would be paid off on installments with no interest. I have never been late on payments. Other than a smale note on the XX/XX/XXXX electronic statement, I was not given notice that the rate was expiring. In XX/XX/XXXX, Synchrony Bank ( which manages the loan ) increased my payment without notice other than the monthly electronic statement. I did not catch the increase until XX/XX/XXXX ( after XXXX payments ). I contacted Synchrony and was informed that the promotional rate had expired and I was being charged interest after the fact ( 29.99 % APR ). The XX/XX/XXXX balance was {$1000.00}. After the interest add-in, the XX/XX/XXXX balance jumped to {$2500.00}. When I inquired about paying the loan off, the only payoff they would accept was at the XX/XX/XXXX level - I was a " a few days late '' in inquiring. I summation, I made payments for XXXX years and by their accounting owe more than I paid for the equipment. 

I have made many purchases with 0 % interest loans in recent years, including a new truck. All of these I made payments to complete the payoff WITHOUT any hidden increase. I was never made aware of this during the purchase and my wife who is very particular about finances was with me the entire time. I have continued to make the payments as I did not wish to default. I have gotten no satisfaction from H.H. Gregg/Synchrony Bank even though I wished to pay the debt off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-08-2015 about Credit card () with ENCORE CAPITAL GROUP INC. (TX).
Issue: Customer service / Customer relations

Complaint: I called last week to discuss account XXXX. I asked for XXXX XXXX but he was not, as I was dealing with him over account. I was currently, speaking with a XXXX XXXX and I asked for clarification on information on account above for payment, as your system was down. He proceeded with stating that I was in a law suit with them that has been filed. I was confused and I asked for clarification I was not aware and for what over above account. He continued to state that this is for a account I believe he mentioned XXXX and that I had to pay over {$8000.00}. I told him I was not ware and for what this money is for. He continued to state that yes I did, and I had asked for dispute. I stressed to him that no, I did not and I only called about XXXX and nothing else. I told him I did not have any information or was mailed anything. He started to be pushy to force me to pay for something I was not aware of. I told him what the large amount of money was for ( details ) and he did not want to answer and stated " MCM only files lawsuits we do n't have any other information ''. I repeated what he had just told me and he hesitated with any other information. He only stated I am in a lawsuit and I would get into in the mail in 2 days. Two days have passed and I have not received anything about his threat. I did not appreciate the bullying and threating behavior by this employee.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (MO).
Issue: Closing on a mortgage

Complaint: COMPLAINT : DOJ v. WFHM : XXXX XXXX loan number XXXX WFHM is Refusing to provide settlement due XXXX XXXX, WFHM is lying in their response to complaint to the CFPB. WFHM is conducting bad faith business as usual. This is no different than the situation when XXXX XXXX called them out in senate hearings. What is it going to take this time? 

I closed on a new loan with Wells Fargo Home Mortgage XX/XX/XXXX. I had problems with WFHM during this time in receiving the correct and fair interest rate in loan origination. 
The Department of Justice found that WFHM had unfairly applied improper interest rates to XXXX  and XXXX. WFHM went to the Department of Justice with a voluntary consent order for a certain time frame which I was within and that has been proven to solve the disparity. Only WFHM purposely left many individuals out. I was one of those individuals.I was on the list in the computer and the settlement company had what was needed but admitted that they used the wrong date given to them by WFHM for my loan origination. 
I have been going round and round with WFHM for years up to and including the last reporting period to correct their mistake. I met all criteria. WFHM still has not met their obligation to me, the DOJ, and the court. 
I spoke with XXXX XXXX with Wells Fargo Home Mortgage Tuesday XX/XX/XXXX in regards to this particular situation. He did not have an answer and he said he did not bother to ask the settlement company or WFHM why I was not eligible for the settlement? XXXX provided CFPB with close to 100 pages of documents to deflect the fact he does not have an answer as to why WELLS FARGO HOME MORTGAGE has not paid the settlement due me. In addition XXXX closed the complaint when we discused him providing additional information to me for which he could not answer without additional research? I asked if he had asked the settlement company why I was not eligible and he said he just did not ask. He then told me he did not talk to the settlement company he sent an e-mail. He then said he did not have a telephone number for the settlement company? I asked for the name of the WFHM superior who gave him this assignment and he said that was propriotory information. WFHM is refusing once again to do the right thing, and are STALLING FOR TIME TO FORECLOSE ON MY PROPERTY. 
I need to know why they are not honoring the COURT consent agreement since I meet all the requirements. They have provided an incorrect answer that this loan was a refinance. This was a brand new loan with WFHM and has never been refinanced, and I have never had any other loan with WFHM. I am 100 % eligible meet all criteria as set out in the court order. What reason or excuse is WFHM not honoring the court order and providing the settlement payout when I am eligible?

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 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: PLEASE FIND ATTACHED THE CREDITORS LETTER FOR WHICH THEY HAVE APPROVED OF THIS LATE BEING INACCURATE BUT FOR SOME REASON THE CREDIT REPORTING AGENCIES SUCH AS EXPERIAN AND XXXX DO NOT REMOVE THIS INACCURACY PLEASE HELP ME TO HAVE THIS CORRECTED THANK YOU

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 12/13/2016 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Unsolicited issuance of credit card

Complaint: On XX/XX/2016, I went to a local Chase bank in XXXX, NY to open a checking account. I spoke to a representative and opened a checking account. While I was there, I also inquired about a credit card. I was considering transferring my credit card balance from my current bank to Chase. I submitted an application and the employee instructed me that she was not able to transfer the entire balance onto a Chase credit card. 
After that, I told her I was not interested in getting the card since I could not transfer the entire balance. I explicitly told her that I did not want to open a Chase credit card and I only wanted to open the checking account. I signed to open the checking account but I did not sign for the credit card. 
The next day, I received a voicemail from the same employee telling me that she did not have the authority to cancel the credit card and that only I could cancel the credit card. She instructed me to call the Chase credit card department to make a cancellation. I then logged onto the Chase online banking application and saw that the employee opened the credit card in my name, after I instructed her not to. 
The next business day, I went into the same Chase bank and asked to speak to the bank manager. They told me the manager was not there and not available for any appointments. I then closed my accounts. When I voiced my concerns to the teller, she acted as if I was the one at fault and that I did n't understand how credit cards work. Without a doubt, Chase banks fraudulently opened a line of credit in my name. I would advise any future customers to take their business elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NATIONSTAR MORTGAGE (LA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This reason I am filing this complaint is to request an investigation into Nationstar Servicing and XXXX XXXX XXXX mortgage companies reporting incorrect information into my credit file. My credit report should show first date of delinquency in the month of XX/XX/XXXX. Instead the mortgage companies are reporting the incorrect year of XX/XX/XXXX, to re-Aged the account " Running of Reporting Period ''. I have attach two of my mortgage billing statement that shows my account first date of delinquency is in the month ofXX/XX/XXXX. I am requesting that Nationstar Servicing and XXXX XXXX XXXX correct the fraudulent information they have report into my file ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Payday loan, title loan, or personal loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (IL).
Issue: Problem with the payoff process at the end of the loan

Complaint: Unfortunately, OneMain/Springleaf is continuing to string me along as a consumer in hopes they can bully me. This is in response to my latest communication with OneMain/Springleaf who actually suggested themselves that I file another CFPB complaint. First they take the FULL 60 days in responding to my first, original CFPB request ( Case number : XXXX, -XXXX 2017 ), then respond giving me only a few weeks to review and respond. All the while they are reviewing, they are stressing that I continue to make my monthly payment which is interest only. After they submit their response in XXXX, the response and claims are very incomplete and false. 1 ) I NEVER asked for settlement. I only asked to pay what I should owe based on account payments over time. They tried to say I asked for a settlement - which I never did. I asked to pay off what I calculated I owed given my payment history. They changed my words around on several occasions to say that I said I want to 'settle ' my loan as if I am trying avoid paying what I owe. This is just a blatant lie and an obvious strategic smear to place on me as a consumer. I not once said I wanted to settle, and I stated this several times, yet their documentation keeps saying that I said this. 2 ) After 60+ days of supposed " review '', they supply incomplete information from my first CFPB complaint. They stated I authorized agreement to terms, but do not at all provide documentation stating so. They only provide my original loan agreement and the statement of terms to date. I had to send another response asking for the additional documentation to support their own response. 3 ) There is no where stated on my original loan, that my loan is " pre-computed '' loan. They are now saying this to justify a revert to an interest-account account. However, this is never stated in my papers, therefore I could not have possibly known an AOT would chance my loan to this. So my last 1+ years of payment were solely interest only to justify the overall inflated balance they now say I owe. 4 ) Since this is going on 6 months +, they have tainted my credit and hampered me from making other solid financial moves, due to a significant credit score drop. I feel this is by design in an attempt to bully me, since they previously stated that " I do n't have my own legal representation ''. I am being bullied my OneMain/Springleaf, and I had been a long-time customer for over 10 years. I do n't know if the Springleaf merger changed how they do business, but until they show how and why they changed the terms of my account, I feel fraudulent methods have occurred on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Creditor : XXXX Credit Bureau : Transunion XX/XX/XXXX Request for Removal of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from Transunion on [ XX/XX/XXXX ] and I noticed an unauthorized inquiry had been made. ( XXXX   XX/XX/XXXX ) I contacted XXXX XXXX on several occasions, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile due to identify theft in XX/XX/XXXX, and have yet to receive and investigation report or a removal of this inquiry. 

I request that this inquiry is removed immediately. I have given more than the legal time for XXXX XXXX or Transunion who approved this inquiry to provide me with results from an investigation providing signature or valid proof of myself being the person who approved this inquiry. Please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 7 business days of recieving yet another complaint. If there is not a response in a reasonable time as I have given more then the legal time I will have no choice but to file suit which I have had to do in the past. 

Thank you for your assistance in this matter, 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 09/26/2015 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Problems caused by my funds being low

Complaint: Citibank took {$170.00} in fees from my checking account between XXXX XXXX, 2015 to XXXX XXXX, 2015. In order to maximize the fees, Citibank processed larger transactions first in my checking account then smaller transactions which caused my account to be overdrafted. Citibank is engaging in unfair business practices by processing larger transactions first then smaller transactions in order to maximize overdraft fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There are many Hard Inquiries in my credit report that I am not familiar with

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