milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: On XXXX XXXX Equifax received a certified letter from me disputing the inaccuracy of a bankruptcy on my credit report. Not only is the information incorrect but is unverifiable and I need this information permanently deleted from my report for it is damaging my credit. I even sent a letter from the court to them saying the court system does not report to the credit bureaus which is what is listed on my credit report. They had 30 days from the time of my dispute to respond and delete this account but they failed to do either. Which in turn, they broke the law according to the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Credit reporting () with ONEMAIN FINANCIAL HOLDINGS, LLC. (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I was a victim of identity theft and now I have pay day loan inquiries on my report under my old name XXXX XXXX, the person even tried to carry me on income taxes. I 've tried to dispute them but the credit reporting company is telling me to contact the company. The companies wo n't remove them saying that it 's my information, even though I have documentation from the IRS, say I have identity theft on record

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Bank of America is holding my work check which I 've deposited multiple times before. They wo n't make my funds available for 2 weeks. They 've caused me to go overdraft on bills that I need to pay.

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 06/17/2015 about Student loan (Non-federal student loan) with HEARTLAND PAYMENT SYSTEMS INC (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I attended XXXX XXXX School in 2005. I was supposed to be released of all financial obligations, but this small amount has remained for years. I do not believe it is federal. They would bother me while I was at school elsewhere, and I would just defer. Recently, I just exited bankruptcy, and all creditors were notified of this and my new address ( and the stay ). Yet somehow they did not change the address and I received no notices of delinquency, no emails, and no phone calls about payment. Now, allegedly they have sent this thing to collections, but the collections agency has no record of this existing. So I am stuck in limbo here. I do n't want this to ruin my credit -- I do n't even owe this amount, and on top of it the alleged collection agency has no record of this. 

They have not given me proper notice or an opportunity to request a deferral or forbearance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Debt collection (Credit card) with AMERICAN EXPRESS COMPANY (MD).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: Today alone I have been contacted 4 times by American express, they threaten me. Claimed that if I did n't pay them {$6000.00} this month that they would drain my account and seize all of my assets

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Consumer Loan (Vehicle loan) with PNC Bank N.A. (GA).
Issue: Managing the loan or lease

Complaint: When trying to change the account from which my monthly payments were automatically drawn from I was given untrue information from PNC bank which ended with XXXX payments being late and thus affecting my credit score. I have tried working with PNC to resolve the issue, but it has not been successful. I 'm simply looking for the recorded phone calls I 've had with PNC to be reviewed to prove their error and my credit score to be adjusted accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My current loan company, Caliber home loans, paid taxes on a parcel number that was not mine, and was actually discontinued before I bought my property ; from my escrow account and now will not refund my money. To add insult to injury, they are wanting me to pay more money into my escrow account for my taxes when they used my money wrongly. They made XXXX payments of XXXX $ to parcel XXXX and XXXX payments of XXXX $ to parcel number XXXX, neither of which have ever been mine. Total of {$2700.00} which was removed from my escrow account and never returned. I also paid an installment for XXXX for XXXX $ I have filed many complaints and have been trying to get it solved for over a year now. They told me to give them more time. I called in 3 months, and the representative had told me they closed my compliant without resolving it or refunding my money. I want some one to be held responsible for this error and want my money refunded into my account instead of them trying to take more money from me. I have always paid everything on time and all my paperwork and payments have been on time. Please help me solve this.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CO).
Issue: Using a debit or ATM card

Complaint: I disputed fraudulent transactions on my Chase debit card. They initially credited {$110.00} and {$24.00} to my checking account, then reversed the credit. They gave no explanation for the reversal. Account number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Debt collection (Auto) with TD BANK US HOLDING COMPANY (CO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: A resolution was agreed upon by both parties which I have in writing. The XXXX XXXX of XXXX XXXX XXXX, wrote an agreement that all interest would stop unless I default. I have not missed a payment, and have proof. Yet, this company has continued to include interest, and I almost owe more than when we settled in court. I am a widow of one year and this XXXX $ a month has been a hardship, and to now find out all my monies went into their pocket. Thank you. XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/22/2016 about Consumer Loan (Vehicle loan) with EXETER FINANCE CORP. (OH).
Issue: Managing the loan or lease

Complaint: Exeter Finance charged me an extra {$140.00} on my XX/XX/XXXX car payment. My monthly payment is {$390.00}. XX/XX/XXXX was {$510.00}. I made a double payment in XX/XX/XXXX to make sure it was caught up, the amount owed in XX/XX/XXXX was {$790.00}. So on XXXX XXXX I paid {$400.00} and on XXXX XXXX I paid {$290.00} ... .zero balance. When I called today XXXX XXXX to inquire why I was being charged, one lady asked if the car was repossessed or impounded. I told her no. Then she transferred me to someone else who stated the car was repossessed or had have been impounded. Again I said no. I told her that I have set up an auto withdrawal for XXXX/XXXX/XXXX to pay for XX/XX/XXXX and XX/XX/XXXX car notes but wanted to know why my told bill is {$920.00}. She told me she was unable to see my XX/XX/XXXX payment or bill so she was not able to say rather or not I paid {$790.00} ... .I was looking at both online. When I told her I was looking at my payment history she then stated that when you call in your payments they do n't tell you you owe late or misc. fees. When I said I only pay on line she switched and said the online account does not tell you about late fees. When I told her I 'm again looking at the payment screen which tells me of these extra charges that was also calculated into the amount due she told me no it was not showing me that. I then told her that I always pay the late fees and this was the first time in 2yrs they 've ever done this. She then said the {$140.00} fees were an accumulation of unpaid late fees. The more I continued to ask she then told me I was not listening and would not let her talk. She continued to repeat herself over and over never explaining why I have been charged extra. I have all of my bill statement and took pictures of the payment history since XX/XX/XXXX ... .if you try to print the pages are blank. I also recorded this conversation. This is the second time they have taken advantage of me. A few months ago they took an extra {$790.00} out of my account after I paid {$790.00}. There were XXXX different dates and confirmation numbers. When they acknowledged they took it out they blatantly refused to return the extra money and my bank had to reverse the payment. I am terrified this company will do something tragic to me regarding my car and finances ... ... based on their actions. Please investigate them. Their are others they are hurting and I may have to end up suing them for fraudulent charges they can not prove otherwise. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Checking or savings account (Checking account) with BB&T CORPORATION (PA).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: I. And with BB & T. Thursday XX/XX/XXXX, my balance in my checking account was XXXX. Next day Friday, XX/XX/XXXX, I made 3 deposits, XXXX, XXXX, XXXX. Wednesday XX/XX/XXXX, I go into my checking account and balance is XXXX they also show that on XX/XX/XXXX, they have pending transactions for overdraft charge of XXXX and XXXX fee taken out of ssving and put in checking even though I have funds in my account to cover the cost. I called my bank and they claim that even though funds are showing in my account on the XX/XX/XXXX, and I have proof with pictures that those funds are showing on that date, they claim that it did n't post until later. Even though it shows on my account that it had.

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 09/14/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I have previously sent a letter asking that someone look into the loan practices of Wells Fargo Home Mortgage, and to date I have received absolutely no no help. I am hoping that now, someone will check into their loan accessing fee fee 's for late payment that have been paid. yet it never be taken off the loan. 
I have pad XXXX late fees. and sent them to the person over the cu Customer Care group, XXXX XXXX. Who is the Executive Resolution Specialist This was previously sent to the Federal Reserve Consumer Help. The reference # is XXXX. I am writing because my sister is deceased and and it is impossible for me to get this resolved. In that I am not on the loan, but I have sent the information that my sister quit claim deeded it to me along with her death certificate. I am paying the loan through my bank 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 07-02-2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (MO).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Basically They sued me over 11 years ago and still trying to collect im  XXXX  and have nothing ... I thought the statue was 10 years?

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Debt collection (Medical debt) with Midwest Service Bureau, Inc. (KS).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: Midwest Service Bureau called regarding a bill with the XXXX XXXXXXXX XXXX the phone was answered by my boyfriend In the call the collector revealed my XXXX status and went on to say they would sue me if I did not pay the bill. Now the entire town knows about my XXXX status because of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Consumer Loan (Installment loan) with PAYPAL HOLDINGS INC. (WA).
Issue: Managing the loan or lease

Complaint: I have a complaint about PayPal credit services because I did n't ask to get sign up for the credit account and I find out after that they attempt to get a pre-approval credit loan on my account. I thought that they pulled money from my credit card or linked bank account. I never get any statements from them and now I see a lot of debt incurring. I do n't think that they have updated the refunds or accurately post them in my account balance! I feel like I 've been cheated because I did n't sign up for this and the high interest rate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Problem with fraud alerts or security freezes

Complaint: On XX/XX/XXXX and XX/XX/XXXX I filled out the online form for TransUnion to place a freeze on my credit report as a result of the recent data breach. I filled in all of the information they requested correctly, including several follow up multiple choice questions, however, I received a message that they were " unable to process my request '' without any further information. While they were unable to do what I asked ( for reasons that are unclear to me ) they did immediately send me a marketing email for a costly credit report monitoring service.

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 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient demanded payments on loans while in deferment status, while in school, and recently consolidated all plus loans 8 months before agreed upon date. Now am being billed XXXX/month regardless of income based repayment agreement. This has damaged my credit score stopping me from obtaining additional XXXX loans needed to finish last year of XXXX program.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Debt collection (Medical) with CCS Financial Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I am a victim of identity theft and noticed a collection from Credit Coll. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Credit Collection in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Debt collection (Credit card) with Hunt & Henriques (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The Hunt & Henriques Attorneys would begin calling my cell phone XXXX XXXX XXXX XXXX and Home XXXX XXXX XXXX XXXX since XXXX XXXX until XXXX XXXX. They would call several times between those hours. It got so bad that I had to end up changing my phone number, just to avoid being called all day. 
Al Then they began to stalk me in front of my home. They would park and watch me maybe about XXXX15 min. This would take place during the week. They kept on doing this until they saw my husband outside and ask for me and gave him the court order that they were suing me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: In   XXXX   I started receiving letters from the  XXXX  saying I owed them taxes for employees I had. I am a   XXXX   XXXX    XXXX  and have no employees. My old roommate was employed by  XXXX  and spoke to me about using their services if I expanded. She then used my name and a fake social security number to create a fake payroll account in order to meet a goal for a company funded vacation to  XXXX . I started having money taken from my bank account without any authorization and when I told her she assured me it was a mistake and would be fixed. I had to contact my bank in order to stop them from taking these funds. I thought it was resolved until I started to receive letters like the one I have attached showing I owed them {$4000.00}. They said they would withhold my next tax return if it was not paid, but then a few weeks later on  XX/XX/2015    they took {$1400.00} from my bank account. At this point I contacted them and  XXXX  and explained the situation I explained to you.  XXXX  was no help, besides firing this employee that committed fraud, and the  XXXX  eventually released the lien on  XX/XX/2015   . I have attached that proof as well. However, they would not provide any assistance to remove the lien from my credit history. It shows the lean was released, but it still shows up on my credit report, hindering me from being accept for any business or personal loans or credit. I disputed this Public record with all  XXXX  creditors and it is still on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with The CBE Group, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX kept charging me for an account that was closed. They intimidated me since I disputed the bill with my XXXX account. ried Basically, XXXX tried to ruin my credit rating by reporting me to credit agencies. 

I never received a letter any other correspondence that they would take this aggresive tactic. I ended up having to pay the {$94.00} charge to keep my excellent credit rating which is unfair and a shakedown. 

I live in XXXX, XXXX for the past year and have spent a lot of money on the phone trying to resolve this dispute. It is a matter of principle in my mind not to be taken advantage by XXXX collection practises. 

Thank you for hearing my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Bank account or service (Checking account) with Fidelity National Information Services, Inc. (FNIS) (FL).
Issue: Deposits and withdrawals

Complaint: I have been using a XXXX prepaid card for several years. Mostly so that my daughter who lives out of state can get access to money quickly if she runs short on cash. 
The last three times I have tried to make a deposit to my card, the deposits have been declined by Certegy Check Services , Inc . I keep getting reason code XXXX. 
Since this has happened to my last XXXX deposits, which are small amounts, under XXXX I contacted Certegy to see what is happening. I had to fill out a form to fax or mail with my banks routing and account information, SS # and drivers license info. 
The FAX number at Certegy does not WORK. XXXX. It literally never picks up. 
Calling into Certegy you never get to speak to a real person. 
I am feeling very scammed here with this Certegy company. They are stopping me from using a convenient service that I 've used for five or so years. 
My complaint is not towards XXXX. 
It is towards Certegy Check Services , Inc, XXXX XXXX XXXX, Fl. 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 12-06-2016 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Due to a medical hardship affecting my XXXX daughter, I started the loan modification process with SunTrust in XX/XX/XXXX because my wife and I had to leave work to care for our daughter and we were adversely affected financially. 
My first request for assistance was denied in XX/XX/XXXX because " income was NOT sufficient '' for an affordable modification. My wife returned to work on a flex schedule to improve our eligibility. 
My second request was denied in XX/XX/XXXX because of a " lien error '' affecting the SunTrust 's 1st position. I spent money and time fixing this. 
My third request was denied in XX/XX/XXXX because " income was sufficient '' for a modification. I appealed. 
My fourth request was denied in XX/XX/XXXX because of a " prior loan modification ''. How is this possible?? Why was I not informed this ten months ago when we began this process? 
If SunTrust is not engaging in fraud, it is at a minimum grossly negligent. I spent almost one year in the loss mitigation process, where life decisions were made that impacted the well-being of my family to be told that I never was eligible from day 1?? When I spoke to SunTrust 's mortgage escalation staff member XXXX on XX/XX/XXXX and asked when these investor guidelines changed she responded " I do n't know '' and later said " be glad you received a prior modification ''. I requested a copy of these investor guidelines effective for XX/XX/XXXX and XX/XX/XXXX and have not received anything. For reference, the prior modification was done in XXXX and was completed because SunTrust had put me in a subprime interest only mortgage product, yet I was A tier credit.

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 06-08-2016 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (CA).
Issue: Application, originator, mortgage broker

Complaint: We are currently trying to refinance with Freedom Mortgage and it 's taking over 3 months.My husband and I have good credit, have a good income, have more than the necessary equity in our home, have never been late for a single payment and yet they are giving us the hardest time. We already have our mortgage with them but we no longer want the fha pmi. My concern is that they are purposefully dragging this out. 

There is clearly an issue with this company. I wish we had gone with a local bank who could have had this loan done 2 months ago, but we 've already paid {$500.00} for the appraisal. They have been saying just 1 more week, every week for the past several months. I fear it will never end!

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