milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/15/2017 about Debt collection (I do not know) with Professional Debt Mediation, Inc. (FL).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: I have received phone calls from XXXX Wednesday XX/XX/XXXX, Friday XX/XX/XXXX and Tuesday XX/XX/XXXX. I answered on Tuesday XX/XX/XXXX at XXXX and the person I spoke with asked to speak with XXXX XXXX and I asked who was calling. He said I needed to verify my identity before he could tell me why he was calling but he was XXXX XXXX from ( inaudible ) company. I repeated that without knowing who I was speaking with I would not verify my identity and he asked me to tell him my adress and then my birthday and then my last four digits of my social security number. I refused and repeated that I was not confirming any personal information without knowing who I was speaking to. He became angry and said that they had sent repeated letter, which I stated that I did not receive. He talked over me to say he would not be wasting any more paper to send me letters that I would ignore and that I would talk to him once it affected me. This I took to be a threat over whatever debt he was claiming that I have. It was very upsetting and I was shocked to have any business speak to me and yell at me this way. I have never had a debt in collections and do not have outstanding debts that I am aware of. This company should not be allowed to call and threaten people this way.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Both my wife and I and all are credit information, SS #, address, emails, etc were hacked due to Equifax 's poor security. They waited a month and a half to come forward. Their executives also sold stock and gained financial profit do to insider trading before the companies stock crashed when the breach was exsposed.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Transunion has reinserted a collection debt that had been removed months prior to the reinsertion. The debt collector is XXXX XXXX XXXX Acct # XXXX This was done without my knowledge or any explanation why. I did not receive anything in writing.

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 04-07-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Trident Asset Management, L.L.C. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid this debt a year ago, and it was removed from my credit report. Then a new amount was added two months later. When I attempt to contact the company it says the phones are not in service, and the pay my bill link on the website is a false link. I want this derogatory remark removed from my credit history, especially after paying {$200.00} to this company. It seems as if they dont even exist however, aside from on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-01-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have noticed that I have multiple hospital bill on my credit report when I started the process to buy a home after careful inspection I known that the bill are not mine. I have had this problem before where someone has been using my information at the XXXX and receiving services under my name. I have disputed them with all three credit agencies and Equifax is the only agencies that has not removed them. The other agencies stated that there was not valid proof that the bill belonged to me. I am not sure how to go about this, I called the XXXX and asked how they verify that the patients is really the patient that are receiving services and they stated that the person has to give a name and a DOB. This process needs to be changed I 'm sure I 'm not the only person that this has happened to and I do n't know how to get information so that I can prove that it was not me whom received the services. And why is it that these collectors could not validated information to the other XXXX credit agencies but they could validate the information to Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Mortgage (Home equity loan or line of credit) with KEYCORP (PA).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX 2016 I took an equity line loan from First Niagara Bank for {$200000.00}. The terms were for 20 years at 3.99 % interest. Later that year First Niagara bank was acquired by Key Bank XXXX XXXX Ohio. Thus Key Bank became my lender for my equity line. The terms were the same : 20 years at an interest rate at 3.99 % interest. Since I am on a fixed budget, and to make sure I can afford to loan, I amortized the loan. My monthly calculations came up with a monthly payment of {$1200.00}. ( Please see attached ). However the bank has never remotely approach that some and has overcharged me at least {$200.00} per month. ( Please see attached ) In an effort resolve this discrepancy I approached the branch manager on two occasions. His responses were totally unsatisfactory. He appeared not to understand my loan amortization calculations. I then approached a customer service representative at that branch and asked her to contact Key Bank headquarters to have someone call me to resolve this issue. She said she would get back to me in five days. After eight days I came to the branch and asked her if she contacted someone from Key Bank headquarters. She tell me she was unable to contact someone there but gave me the number to call myself. I then called Key Bank headquarters myself on at least six occasions with either a busy single or was left waiting for an average of a half hour with no one responding. Finally I managed to contact someone at Key Bank headquarters I explained the discrepancy in the loan amortization and said she would contact someone in the back to resolve this and would get back to me in five days. this was about a month ago and I am still waiting for an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (NV).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: On XXXX/2017, y applied for a cashforward barclaycard credit card, 0 % interest in 15 cycles, on purchases or transfer balances, but they are charging interest right now. On XX/XX/XXXX they charged {$39.00}, on XX/XX/XXXX {$40.00}, XX/XX/XXXX {$23.00}, XX/XX/XXXX and XX/XX/XXXX they did n't charge nothing. Before I start using a credit card, i call to the credit company to make sure they are giving to me what they offer. They said 0 % on purchases or balance transfers on15 months. Is the first time I have a problem with a credit card.

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 11-02-2016 about Mortgage (Conventional fixed mortgage) with AMERISAVE MORTGAGE CORPORATION (CA).
Issue: Application, originator, mortgage broker

Complaint: I applied for a loan on XX/XX/2016. Had appraisal ( which I realized latter came from a 3rd party company the lender owns ) which came back WAY to low. I filed a dispute, did research, comps etc. They had numerous errors in it, did not add upgrades, got addresses wrong, sq ft wrong. I continued to work with them since we were out the money and I was being assured everything looked fine. They sent me new disclosure with all the wrong info. Had to send back again, waited long time for updates. Not once did anyone mention my Small Business Loan may be an issue. XX/XX/XXXX, I myself was concerned so I contacted SBA. SBA said I had to get paperwork in so they could do a subordination agreement. Amerisave kept stringing this along, got my money, and now after 3 months & 3 weeks, they claim they ca n't lend to me. the reason was on an issue that should have been a red flag in the very beginning. I am out over {$500.00}, but that 's not the worst part. Because of how long they took, the interest rates are way higher! I have e-mails of all the errors, the apologies, the excuses. I believe the company is a scam and the fact that they are allowed to use their own 3rd party company for appraisal and Title & Escrow should be against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Franklin Collection Service, Inc. (FL).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: The collection Firm of Franklin Collections services of XXXX MS has been going back and forth about a debt I supposedly owed for a creditor. I sent a correspondence requesting a signed contract from this creditor stating I requested the services they are claiming I received after receiving a itemized bill from them to get this off my credit files knowing I never had anything through this provider but XXXX which I still have the rep by the name of XXXX stated that he could not provide the contract, that XXXX XXXX XXXX stated he could not settle the debt because they want the whole XXXX. He also stated that he is a contractor for XXXX XXXX XXXX so they have the final say and what they collect on the debt as a consumer I am very aware that collection agencies buy these debts for pennies on a dollar and definitely not a contractor for these companies. The last statement he stated is that I receive this service at my current address which is not the case. Please have this collection agency to remove said debt I supposedly owe off my all XXXX credit agencies for misrepresentation I 'm sure this phone conversation all can be verify which took place today XXXX XXXX because the debt collector stated it is recorded unless this is another lying tactic

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XXXX XXXX, XXXX I deposited a cashiers check drawn on XXXX XXXX  XXXX XXXX XXXX for {$2500.00} via an ATM. Chase placed a hold on all the check 's funds until XXXX XXXX, XXXX. This had never been done to my account before, and it was surprising since my account is not new. I contacted customer service via email about this, but they could not help. As a result of this hold, the bank charged me a total of {$400.00} in overdraft fees. Some fees were refunded in an arbitrary manner, but as a result of this arbitrary hold, I had to pay {$270.00} over the following days until XXXX XXXX, XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-12-2016 about Credit card () with WELLS FARGO & COMPANY (FL).
Issue: Customer service / Customer relations

Complaint: I took out a Wells Fargo " Home Rebate '' credit card to help supplement the payments to my mortgage with Wells Fargo. Their product description can be summarized in this way : Purchasing goods/services with the credit card will automatically add " points '' and said points will be converted into dollars that are deducted automatically from the principle of your mortgage. The product worked as described. HOWEVER : In less than 6 months, Wells Fargo sold my mortgage, rendering the card useless to me. 

Then, without consulting me or without gaining my permission - they simply changed the type of credit card I had. I went to a local branch and was told " There is nothing you can do about it '' - Basically the company scammed me by letting me take out the card and then as soon as I had a significant balance on it sold my mortgage to avoid me saving hundreds if not thousands of dollars through use of the card over time.

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 12/13/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Fraud or scam

Complaint: I TRANSFERRED BITCOIN INTO MY COINBASE ACCOUNT ONXX/XX/XXXXIT USUALLY TAKES 6 CONFIRMATIONS AND MORE OR LESS AN HOUR TO HAVE IT AVAILABLE OVER 12 DAYS HAVE GONE BY AND OVER 2000 CONFIRMATIONS. MY CURRENCY IS WORTH XXXX USD AND I CAN NOT ACCESS IT!! 
THE TRANSACTION SHOWS PENDING!!!! 

I HAVE EXHAUSTED EVERY RESOURCE TO CONTACT THIS COMPANY CALLING EVERYDAY TO THEIR CUSTOMER SUPPORT AND EMAILING WITH NO RESPONSE!!! 

THIS IS A COMPLETE FRAUD!!! 

ALL I WANT IS MY MONEY!!!! 

PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I 've sent several letter asking the company to send proof that the account belongs to me and I still have n't received anything from the company and they are still reporting to the credit bureaus

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 12/19/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Making/receiving payments, sending money

Complaint: I have a small loan with Bank of America. I have just moved, which they know, and in the confusion of the move and getting settled I missed XXXX payments. B of A, without any authorization, removed monies first from an old bank account ( {$130.00} ) that had not been active in 6 months and when that was rejected they, went to my new local bank account and charged that for {$250.00}. I have since closed these accounts and will going, forward only pay B of A in cash. I called your office and was advised that B of A 's actions were not legal. Hence I am filing this claim asking that B of A be stopped from doing actions like this in the future. To add insult to injury B of A they have charged me a {$27.00} " check returned fee ''. They return of these fees is the only compensation I am looking for. 
Thank You

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Mortgage (Other mortgage) with REGIONS FINANCIAL CORPORATION (TN).
Issue: Credit decision / Underwriting

Complaint: Regions banking officials denied my loan request based on age, gender and race. 
My full explanation has been forwarded,

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 05/27/2016 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I received a written letter from XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX regarding an account. The written letter offered the option of " 1 payment of {$640.00} '' after which my account would be considered " Satisfied in Full '' once the payment is successfully posted. ( Please see attached letter ) I paid the {$640.00} ( please see attached section bank statement noting payment to XXXX XXXX ). XXXX XXXX now reports my account as " Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department '', with a reported balance still owing of {$1100.00}. The original balance reported was {$1800.00} -- XXXX XXXX XXXX has simply reduced the balance by the payment of {$640.00}, rather than updating the account to " Settled in Full '', as promised in writing. Their letter was misleading. I would not have agreed to pay the settlement amount if I had not been led to believe that the payment would be reported as anything other that " Settled in Full ''.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Debt collection (I do not know) with Daniels Norelli Scully & Cecere, P.C. (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have a savings and checking account with XXXX. My savings only had {$5.00} in. I recently noticed that {$77.00} was transferred from my checking into my savings without my knowledge then a restraint was put on it I contacted the # I was given but the debt collector could n't explain when the debt was from. I asked several times and he jumped around the question. That conversation was recorded by his company XXXX XXXX XXXX XXXX XXXX. I 'm no lawyer but I know that they are not allowed to transfer my money from XXXX account to another. I contacted the bank and I 'm still waiting for a response from them. I would like to know if what they did was legal before I take it to court.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2017 about Consumer Loan (Installment loan) with PAYPAL HOLDINGS INC. (PR).
Issue: Managing the loan or lease

Complaint: Last year I sent a cease and desist letter to my lender. My account was in collections until I got my account current. Since XX/XX/XXXX, I was trying to reach someone because I want to settle the account. 

This credit line has almost 7 years and seems impossible to payoff. 

When I called, no one wanted to talk to me because of the cease and desist. Well ... I sent another letter, explaining and knowing that information can be given to me if I call. I know the law, I worked in XXXX. 

I requested to talk to a supervisor on XX/XX/XXXX, and I was told that she did not wanted to talk to me to " not waste my time ''. 

First, I was told that a contact number should be given, which I did in the letter sent on XX/XX/XXXX sent again on XX/XX/XXXX. 

Today, XX/XX/XXXX, I called again and I was told that a notarized letter was needed to talk to me. SERIOUSLY? I feel like some kind of racism here. 

Why so much trouble ot settle and account? 

The interest in this loan is extremely high. I talked once because I wanted to be explained how the interest was calculated because it was fishy to me that my account was over {$3000.00}. Never less. 

I know, that in all my years of payment even with the hardship program, I 've paid the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Mortgage (Other mortgage) with CITIBANK, N.A. (TN).
Issue: Loan servicing, payments, escrow account

Complaint: I settled my mortgage account in XXXX 2014 as agreed on between me and my mortgage lender. As of date my credit report is reflecting that my last date of payment was made XXXX 2014, and that I was delinquent several months after the final payment was made. I have continuously disputed this information under the FCRA with the credit bureaus yet the creditors keep verifying that the information is accurate. I then disputed the information with the creditor Citifinancial and they refuse to change the information to reflect the date of my last payment. They are not reporting accurate credit information. 1. The date of last payment is wrong 2. I ca n't be late on an account after it has been paid

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Equifax is refusing to correct my address on my report. They wo n't show my home address and want to show a business address. This is a major negative impact on my credit score because my credit is based on my home address NOT where I work and Equifax for months has not corrected this error despite my constant and repeated request for them to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Mortgage (FHA mortgage) with NATIONWIDE ADVANTAGE MORTGAGE COMPANY (MI).
Issue: Loan servicing, payments, escrow account

Complaint: I refinanced an FHA mortgage through XXXX bank. Nationwide ( the current mortgage servicer ) is charging me interest through the end of XXXX and PMI through XXXX. According to the XXXX websit, FHA refinances no longer require this. I called Nationwide and they gave me no alternative, stating that it is FHA policy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-04-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: XXXX   XXXX  , 2017 I summited a complaint through   XXXX   XXXX   and   XXXX   XXXX  . Amount is {$310.00}. The amount owed is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Credit reporting () with Experian Information Solutions Inc. (IN).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: My birth year is XX/XX/XXXX not XX/XX/XXXX The incorrect year is due to XXXX XXXX putting a XXXX bill in my name on XXXX XXXX XXXX XXXX In 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 10-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have inquiries on my Transunion report that showed back up on XXXX/XXXX/16. Apparently they had some sort of error in XX/XX/XXXX and they never informed me and now all these inquiries are on my report that should n't be. I called them I keep being told they do n't know what I 'm talking about. I would like those inquiries removed 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 non-monetary relief