milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-10-2017 about Debt collection (I do not know) with National Credit Systems,Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In 2011 I left XXXX XXXX XXXX fleeing XXXX. I informed the manager that I was leaving and showed her the XXXX I took out on my XXXX. The manager told me that everything would be okay and that I didnt have to worry. I found out a few months later that the account was put on my credit. I was not aware that according to federal law you could break your lease in cases of XXXX XXXX and not be held liable so I let the debt sit on my credit for years. I left my lease 1 or 2 months early and I am unfairly being charged market rate rent for the entire lease term.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (AL).
Issue: Problems caused by my funds being low

Complaint: A " law office '' contacted me saying they were going to seize my property ( I do n't own property ) pay Wachovia. I have not had an account since 2009 with Wachovia/Wells Fargo. The statue of limitations should be close, and I dont own them money. the law office said they would see me in court then hung the phone up

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 06-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have disputed with experian a couple of times, I feel like they 're not properly investigating my dispute. And all they 're sending me every 30 days is a credit report no letter about the informations about investigation of the dispute. I have asked for them numerous of times.

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 01/17/2018 about Debt collection (Other debt) with JNR Adjustment Company, Inc (OH).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I sent them ( JNR XXXX ) a letter telling them to stop contacting me. They ignored my request and continue their collection attempts. 

Also, there is no debt. All my bills are paid in full, including the one they claim is unpaid.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I am a victim of identity theft. I recently turned XXXX and learned that my personal information was used to open credit card accounts with numerous company 's. I have been able to absolve all the fraudulent account but XXXX ; Capital One Bank and their collector XXXX XXXX XXXX, XXXX. I notified both creditors on XXXX/XXXX/XX/XX/XXXX that I was a victim of identity theft and that I did not open or authorized the accounts. I ask them to close the accounts and informed them that I am disputing the information because they were a result from the crime. I ask them to absolve me of all charges on the account and take the appropriate steps to remove the information about the account from my credit files. I include the Identity Theft Report File # XXXX, copy of my credit report, a copy of my drivers license and FTC Notice to Furnishers of Information. The XXXX XXXX Bank account was opened on XXXX/XXXX/XXXX, I was XXXX years old when the account was opened. I received a response from XXXX XXXX XXXX XXXX that they have completed their investigation of my dispute concerning the account and have established the account to be valid. I sent them another letter on XXXX/XXXX/XX/XX/XXXX disputing their findings. The letter stated the same information as the letter sent on XXXX/XXXX/XXXX pointing out that I was XXXX XXXX XXXX when the accounts were opened. On XXXX/XXXX/XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX requesting that I send them the same information I 've send them in previous letters. I fell that I am getting the run around with XXXX XXXX Bank and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with HSBC NORTH AMERICA HOLDINGS INC. (OR).
Issue: Loan modification,collection,foreclosure

Complaint: I have had a mortgage with HSBC since XX/XX/XXXX. Although I received a loan modification in XX/XX/XXXX ( approximately ), my ARM has remained current now for several years. I have also been repaying an advance on taxes. Although my statements showed my interest rate of 3.44 % until XXXX XXXX, they increased the rate to 8.44 % XX/XX/XXXX ; which doubled my payments. This increase was immediately followed by the transfer of my loan to a company by the name of XXXX XXXX XXXX. Is there a connection between the unreasonable interest rate jump and the transfer of my loan? 
Now I have to work with the new company, XXXX XXXX, to modify. From what I read online, they have a terrible reputation when it comes to modifications and that the process can take years. I am completely stuck with a doubled mortgage payment while my husband is XXXX XXXX. The timing could n't be worse. Feel very betrayed by HSBC for putting me in this position.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I settled with the debt collector and paid them in full, I would like this off of 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 08/25/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (WY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have made pervious attempts to have the agency validate this " debt '', each time I get a response from them it is the topic of repayment of this invalidated debt. The last letter said they will stop contact with me but still continue to report this invalidated debt on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: TransUnion is the only credit reporting agency reporting inaccurate information of the bureaus in this case. After disputing numerous accounts that are inaccurately being reported on my credit report, TransUnion failed to delete the inaccurate account and continue to refuse to provide me with acceptable proof of the documents used to unequivocally verify and determine the XXXX account ownership. As of now, TransUnion is in violation of federal law as the 30 days allotted have passed and the referenced account has not be sufficiently been verified. Under Section 611 ( 5 ) ( A ) of the FCRA, TransUnion is required to " ... promptly delete all information that can not be verified '' that has been disputed.

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 06/20/2017 about Checking or savings account (Savings account) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I deposited a check on XXXX/XXXX/XXXX for XXXX check was cleared and available in account XXXX/XXXX/XXXX. HSBC closed my account XXXX/XXXX/XXXX and left my money awaiting claim for XXXX on said date. I has a balance of XXXX dollars before check deposited. When I reached out to the bank my account was set up at the bank was closed and all information was carried over to designated branch. I called customer service and they advised me that the money was in unclaimed funds. When I reached out to unclaimed funds they stated since the account had activity in it the same year it was closed the processed of abandon properties did not go into affect. Advised HSBC of the information they do n't seem to know where the money in my account is at or how to find out where they put the funds in my account before and after the deposit. I asked for the paper trail of where my money is at for banks suppose to keep records for 7years and no one can provide me any information on where is the funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/14/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Problems caused by my funds being low

Complaint: Charged overdraft fees due to BOA processing charges in largest to smallest order. Their own rules state drafts will come out first, then checks written. They took out the check then the draft.

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 07/28/2016 about Mortgage (VA mortgage) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgage Loan payments are not posted to my account. My account is paid up to date and I contineously receive notifications and harrassing phone calls. Correspondence reference my husband who was reported deceased. Veteran documentation was provided. Billing statements reflect PMI charges against my account. Recently received escrow overage. Check was sent with my deceased husband 's name. The check was canceled and a ticket was entered to reissue the check in my name. It has been over a month and the check has never been reissued. This type of treatment is unacceptable. I take extreme measures to make sure my monthly mortgage payments are provided and I get harassed with phone calls asking for my deceased husband. This issue was also reported to XXXX, because my husband was a XXXX XXXX with XXXX XXXX. I have made more than several attempts to get this matter resolved with Ditch LLC ; Loan Servicer and I continue to get told lies. My Loan still has my husband 's name reflecting on the bills. This treatment has caused undue XXXX, XXXX and agony. Please resolve this matter immediately.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2016 about Debt collection (Auto) with FORD MOTOR CREDIT CO. (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I already paid them and they still are sending me letter that I did pay when in fact I did in this noticed I will be providing the receipts of payments done to them every month

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (RI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: It 's disappointing to see the government complete business with an organization that has these alleged complaints. The ambitions of individuals pursuing educational opportunities is being toyed with by an organization that seeks greed. I 've paid close attention to my student loan account with regard to processing payment times, and also how the company did not return calls that I 've made to ask questions. Basically I 've seen the account holder take 3,4,5 business days to process payments I 've made on my loans. Meanwhile, more interest accrued on the principle that subsequently led to a higher repayment amount. Unfortunately I can not total all the extra cash that has been taken from my wallet because of the delayed processing times.The irony with this whole navient lawsuit coming out is that all the issues that I 've experienced with the company were resolved less than 24 hours after the story broke on national news. Processing payment times have reduced from the 3,4,5 days to 1-2 days maximum. Best thing, in a short while I will have my 30 year loan paid in 4-5 years and I will not have to do business with a company that reminds me of certain other companies that have sought excessive financial gain on unsuspecting consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have a credit card with XXXX with the credit limit of {$9000.00}. Yesterday XX/XX/18 i requested a credit line increase to {$15000.00} through the mobile app. XXXX shortly approved the credit increase to {$15000.00}. I checked my credit report and found out that XXXX ran a hard inquiry that same day on TransUnion which resulted in dropping my credit score down. I did not consent to a hard inquiry nor was I notified that a hard inquiry would be made in response to my credit line increase request.

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 03/18/2017 about Debt collection (Credit card) with Shermeta Law Group, PLLC (MI).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: On XX/XX/XXXX I received 2 requests and writs for garnishment of income tax credits from Shermeta, Adams, & Von Allmen, P.C. for XXXX XXXX credit card accounts that had been charged off. I was never served a summons before this action. Ever since the judgment was filed I have had any and all Michigan State tax credits taken by Third Party Withholding Unit in the Michigan Department of Treasury. I started receiving offers to pay this debt off after the judgement, in XX/XX/XXXX, from XXXX XXXX XXXX , XXXX. Shermeta, Adams, and Von Allmen sold my debt to another collection agency. I continued to receive tax refund garnishments and found out the garnishments are still on file with the court and still active. How is it possible to owe the same debt to two different agencies? In XX/XX/XXXX I received a request for income information from the Michigan Department of Treasury. On the form were the plaintiffs who filed garnishments on behalf of XXXX XXXX. Listed are XXXX XXXX and XXXX XXXX XXXX, both for the same debt. They seized the refund of {$170.00}. I contacted the offices of Shermeta, Adams and Von Allmen in XX/XX/XXXX to make an arrangement to stop the garnishments and find out why two different collections agencies were trying to recover the same debts. The customer service agent I spoke with, XXXX, was not friendly nor was he willing to help me. I told him I wanted to resolve my debt and he told me unless I had cash to pay in full there was nothing he could do and that the garnishments will continue until the debt is paid. I contacted the XXXX Judicial Court regarding this as well and there is nothing they can do without the collection agency filing motions to close the cases, or for me to file a motion to quit. I 've been attempting to resolve these issues with no movement from this law office. Selling my debt to another recovery group while continuing to receive garnishments from my state tax refunds should not be legally allowed and I can not find any information in the state laws to support their doing so. I Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (PA).
Issue: Deposits and withdrawals

Complaint: PayPal has Deactivated the service for me. 

Please see Documentation for more information.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PNC Bank N.A. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I went to apply for a bank checking account and was declined of the application. I asked the banker why and was informed that I had numerous XXXX listed. I had a report issued to me and noticed there is accounts that did not belong to me listed on them as a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (NY).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: A Check was written to  XXXX   XXXX   XXXX  on  XXXX   XXXX ,    2017 a nd  XXXX   XXXX ,    2017 in  the amount of {$4000.00} and {$2000.00}. He forged my signature. The {$4000.00} check was not endorsed on the back and cashed. The {$2000.00} check was not. Citibank said they called me to let me know there was suspicious activity but could n't get a hold of me and Citibank pushed the check through anyway, even though it was suspicious. They refuse to give back my {$4000.00} when Citibank was negligent and they said it was my fault for not checking my account within 30 days. The police said it sounds like an inside job.

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 06/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (MN).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: XX/XX/XXXX : Paid the total amount due on the Citi Credit Card.
XX/XX/XXXX : Check account to verify that all balances were at XXXX. Discover a new charge of {$69.00} has been added. Make payment in amount of {$69.00}. Total account balance is now at XXXX again. XX/XX/XXXX : Check account again to verify balance is at {$0.00}. Discover a new charge of {$45.00}. Contact Citi, and I am told that even though I paid off my balance, interest fees continue for up to two months after. I pay the {$45.00} balance and close my account. Associate asks if there is anything to remedy that problem, I say to credit me that two interests charges that I have been charged since paying off the total balance due, and I am told interests charges are hard to overturn. I close my account. No other card I have ever had has continued to show a balance after I have paid off the account. I feel that the way Citi has done this is deceptive, because most people will pay off the balance and figure that they are done. If I had n't checked on my own to verify my XXXX balance, I would still be accruing late fees etc for not paying on an account that I thought was at {$0.00}. As of this writing, I ca n't be 100 % sure that I wo n't have another interest charge in another month.

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 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I took out lease XXXX of XXXX I immediately setup a monthly recurring payment with my bank XXXX. every month on the XXXX XXXX sends payments to XXXX XXXX financial. XX/XX/XXXX XXXX had a glitch in their system and did not send payment to XXXX XXXX. I contacted XXXX and they don't have an explanation why payment was not made. I provided proof to all credit bureaus showing I had the funds available, proof that I had a monthly recurring payment setup, showed them I still had XXXX more payments scheduled and credit bureaus will not remove late payment posted on my credit reports.

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 03/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: my dispute letters and explanations I filed with letters that i typed and checked status on were never investigated and i didnt have any help or tranfered to anyone that could assist me to make a better future for myself with all this hanging over my head and is keeping me from purchasing a car, house or anything dealing with credit. this was to dispute the issues on my report that were since XX/XX/XXXX and until XX/XX/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 06-10-2015 about Credit card () with TD BANK US HOLDING COMPANY (OH).
Issue: Late fee

Complaint: I had a due date of XX/XX/XXXX, min payment XXXX. I set up weekly payments of XXXX, which were applied XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX, and XX/XX/XXXX. Since the XX/XX/XXXX payment was received & posted after the due date, i believe it should be applied to the XX/XX/XXXX payment. It was NOT.  They said because it was after the due date but before the statement closing date, it could not go towards the following months minimum. the next due date was XX/XX/XXXX. Payments were applied XX/XX/XXXX, XX/XX/XXXX, XXXX, & XX/XX/XXXX. I was accessed a late fee because they say only XXXX payments were received before the due date...even though they had XXXX payments before the statement closing date. If it cannot be applied because of statement closing date then due date & clising date need to be the same.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-03-2018 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NY).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: I purchased a vehicle from a XXXX dealer through help from XXXX XXXX nearly two years ago. Just today I realized I was paying roughly 60 % interest on the loan monthly. I am paying XXXX dollars interest on a monthly payment of XXXX dollars. This is the highest rate I have ever heard of. I was unaware that this was going on. I don't know legally what to do.

Company response to consumer: Closed with explanation