milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/14/2017 about Debt collection (Credit card debt) with TD BANK US HOLDING COMPANY (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I sent 3 certified letters and the company has violated and failed too : 1. Required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which the company signed for my letter 3 times. I have retained a copy of the signatures and date of receipt, as well as a time-stamped copy of my credit reports, showing that company have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section.
2. Failed to provide copy of the original contact bearing my signature.
This company has violated and is in non-compliance, per FCRA 623 ( a ) ( 3 ) Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).
This company violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, and the company must now remove the item.
Any other action ( or in-action ) on your behalf will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. )  Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807- 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have numerous errors showing on my credit report. After reviewing it I sent Equifax a letter asking them to investigate these glaring errors on XXXX/XXXX/15. I yet to receive anything from them. Also I read that equifax has been sued recently for the same issue. I plan on doing the same very soon if they do not fix their errors.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Credit card () with BARCLAYS BANK DELAWARE (IL).
Issue: APR or interest rate

Complaint: barclays credit card interest charge fees added to my account todays statement most recent balance was {$1800.00} charges of {$37.00} added to my account now my balance is now {$1800.00}. i need help statement from post date of XXXX XXXX. i lost about {$25.00}

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Debt collection (Auto) with CAINE & WEINER COMPANY, INC. (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Caine and Weiner claim I owe XXXX for a Progressive policy that was paid via money order, the amount is also incorrect. I do not have a copy of money order to provide as it was paid well over a month ago. I believe the amount paid was in the XXXX range, not sure. I do not know how they come to an amount of XXXX. A complaint was submitted prior, they agreed to stop collection efforts, however, they just sent me another notice requesting the previously mentioned amount and have threatened to place it on credit report. Please advise them they will not see a dime on this policy as I have already sent a payment to XXXX directly, the amount was much lower, in XXXX range.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: As of XX/XX/XXXX, Collection agency HUNTER WARFIELD has again reported a collection that, XX/XX/XXXX, was reported to the Consumer Financial Protection Bureau. The collection account was subsequently deleted by all three credit reporting agencies due to my complaints of HUNTER WARFIELD/JEFFERSON XXXX never providing the requested proof of the debt, as well as adding interest to the debt without a judgment as required per the original agreement. I have attached the CFPB summary of the original dispute and action taken.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: I would not usually complain but enough is enough, this company needs to be held accountable for their actions. It is not the first time my money has been messed around with by this awful organisation. On this instance : XXXX XXXX from Coinbase : A  withdrawal of XXXX ( + XXXX banking fee ) has been initiated. XXXX will arrive in your bank account by XXXX XXXX, XXXX. XXXX XXXX : still no money in my account. Numerous attempts to contact Coinbase 'Support ' have been in vain in the past, you just never receive a reply to your case ; if you do it is from a templated auto-response several days later. They do not have a telephone support option so you feel as though they are hiding from giving answers. They can not be allowed to continue operating in this manner, they have enormous funding and charge exorbitant fees, they can afford to hire a support team. Playing with peoples ' finances is not acceptable. Some examples of horrendous service can be shown in their ( heavily ignored/neglected ) community page : https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Debt collection (Credit card) with Coastline Financial Resources, LLC (MN).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: My XXXX year old Aunt received a call from XXXX, and so did my workplace, claiming they were a process server and if I did not call them back in 2 hours, they would serve court papers. I called the number back and they wanted credit or debit card information so I could make a payment on a debt that was written off in 2008. They told my Aunt that HER address was my last known address, which is not correct. At my workplace, they wanted to talk to the immediate supervisor ( which is myself ), but it was my day off. If I was not the supervisor, what would they have told that person? They had my SSN. I told them to send me something in the mail, and she said they did not do that.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 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: Information belongs to someone else

Complaint: There is unknown XXXX XXXX credit card account on my credit report that was opened on XX/XX/XXXX and updated on XX/XX/XXXX with a collection of {$700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: Have been attempting to work with Ditech to obtain a modification to my mortgage for 8 months, finally got the trial modification after getting XXXX XXXX involved. They have however put derogatory comments on my credit reports ( foreclosure initiated ) and I want that removed and changed to modification trial initiated

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NC).
Issue: Advertising and marketing

Complaint: This is a follow up to complaint # XXXX The company, American Express, has sent a letter to try and explain the situation. The letter was erroneous and condescending. It did not address the main issue of misleading advertising for their credit card product. I have attached their letter. They reference disclosure number XXXX for the XXXX XXXX XXXX, but on their advertising brochure, reference XXXX is not even on the same page as the XXXX XXXX XXXX benefit. Furthermore, the company American Express uses to process credit card applications, was also mislead by their advertising brochure, as they are the ones who initiated an investigation. 

In addition, the American Express XXXX dept has blocked my email address from reaching all XXXX domain names. This is an incredible act of power over the consumer. Either they take customer concerns seriously or not ... ... to basically turn off my free speech by blocking my email address is unprecedented.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Credit reporting () with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Upon being denied from a lender for " too many inquiries '' from  XXXX  report, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquiries on my Experian,  XXXX  and  XXXX  that I DID NOT AUTHORIZE and had no knowledge of. I also have had frauds alerts already in place which should have avoided any future issues. Please see the following inquries that were not authorized by me with the date of when the report was improperly requested and received any identification or authorization from ME to pull my credit for any reasons.     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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 non-monetary relief
Consumer complaint received 07-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Problem with customer service

Complaint: Hello, my complaint is in regards to my Transunion Credit Report #  XXXX . I accidently sent Transunion an original docume nt ( Ban kruptcy #  XXXX  ), currently reporting on my Credit Report.   XXXX  I sent the document in  XXXX   2017 . The remaining information is in the uploaded document.

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 09-01-2016 about Credit card () with AMERICAN EXPRESS COMPANY (IL).
Issue: Payoff process

Complaint: I have an American Express Business credit card. On XXXX XXXX, 2016, I called American Express and inquired if I used the card for a transaction and would it qualify for Pay over time option. I was told yes. On XXXX XXXX, 2016 I received an email saying my account may be suspended. I called American Express and after being transferred several times I was told that until I pay the balance down some my account will be suspended. I was also told that the charge I made on XXXX/XXXX/16 will be on the Pay over Time on my Billing Statement. On XXXX XXXX, 2016 I received my Electronic Billing Statement which stated I need to pay the total amount of the charge from XXXX/XXXX/16 ( {$15000.00} ). I called Customer Service once again I was transferred several times until the last person was suspose to be in the credit department. She suggested that I pay the total amount by the due date. I advised her that I do not have the money to pay that balance, that 's why I called before I used the called for the tranaction for approval. She told me that American Express can revoke the Pay Over Time Privilege anytime they wanted to even after you were told it qualified. Again explaining I do not have that total amount what other options do I have because I do not want a negative credit rating on credit report. She told me the best they could do is for me to pay {$1300.00} that day XXXX/XXXX/16 and pay {$450.00} with a XXXX interest rate for 36 months. I explained I did not have {$1300.00} that day. She told me if you do n't except these terms today it would change. American Express should tell some XXXX they are approved to make a transaction and be allowed to Pay Over Time if two weeks later they change their mind and say " No WE want You to Pay the Total Amount Now ''.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Debt collection (I do not know) with Levy and Associates, LLC (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Was sued by XXXX XXXX. Contacted office twice for proof of debt and who originally had the loan. Twice they mailed a copy of the default judgement. They refuse to provide any proof of what this debt was for, who original owner of debt is, and amount. I disputed this through XXXX and it was removed. However, XXXX XXXX Court is still showing that it is not satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: On XXXX XXXX, 2015 I went to XXXX to apply for a car loan. My credit score had been XXXX last year this time. I have paid all my bills XXXX TIME and Trans union reported my credit score as XXXX to XXXX. and XXXX to XXXX XXXX the same day. When I called Trans Union, the representative indicated that there is a module by which each person gets the score, which seems subjective to me. The representative also indicated that there is a letter score which is accompanied by the number score which I never received ever. I find it very offensive that they would not definativly explain the specifics and were ambiguous in their response. They can be giving erroneous unsubstantiated information and one can not dispute it because the information is coded. Please have Trans Union answer specifically how I can have such varying credit scores on the same day.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/17/2015 about Mortgage (Conventional fixed mortgage) with DHI MORTGAGE COMPANY (UT).
Issue: Settlement process and costs

Complaint: The stupid XXXX 3 day for CD disclosures to the consumer is the most ridiculous rule that has ever been created for the real estate community. Even if the CD changes the title and lender has to eat it. As a borrower my new home is ready and these changes has delayed us being able to get into the home 5 days and possibly more than that because of the XXXX XXXX holiday. 

I would think that after 3 months of searching for a home, and 30-45 days of underwriting and getting everything to the underwriter except a sample of blood, that the last thing I would want is an unnecessary delay. By that point in time I am pretty confident that I just want the keys to my new house!! 

I still do n't get an initial disclosure and then the closing disclosure that I need 3 days to review. Seriously this is an example of too much regulation.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I received a call at XXXX on XXXX/XXXX/2015. The representative did not disclose that it was an attempt to collect a debt and never confirmed who she was speaking with before discussing the debt that I supposedly owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/28/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Billing disputes

Complaint: I recently signed up for AutoPay on American Express. After signing up, it said it would take XXXX billing cycles before it would be active, so I went ahead and paid my bill for the current cycle. But the AutoPay was active ( and their website did not show that it was ) so it charged me again for my bill, and subsequently overdrew my bank account. When I noticed this, I contacted my bank XXXX XXXX XXXX XXXX XXXX and Amex. XXXX XXXX XXXX provided me a temporary credit for XXXX of the transactions. The next morning the temporary transaction had been removed from my account so I was charged an overdraft fee again. I called the bank again and received another temporary credit. 

When I called Amex the first time, they said there was n't anything they could do since the payment had already " posted '' even though it was still pending on my bank account. I had to call Amex 6 more times to resolve this issue. First, they said that my bank denied both of the payments so I had to pay them again for the credit card bill -- this was untrue -- and that I needed to resolve the issue with my bank, not them. I called my bank to confirm that they only denied XXXX transaction and they said they had. Then Amex tells me that they will fix the issue because my credit card statement was showing a negative balance. They said they could apply the balance to another card I had with them, but I told them that I just wanted a refund for the payment. They said they ca n't issue one directly to my bank account, so they will mail a check to me and fix my account within 48 hours. 

A week later, my account is still not fixed, but I do receive a check in the mail. However, Amex now shows that I owe them for the check that they sent me because my bank settled the dispute with them and made my temporary credit a permanent XXXX! No one from the bank or Amex had mentioned anything about this to me until I got a letter in the mail over a week and a half later. I called Amex again to see if they could cancel the check and remove the money I " owe '' them, and they tell me they will and that it will take up to 48 hours. Over a week later, my account has not been fixed so I call them again. They then tell me the only way to cancel the check is to mail it back to them so they can void it, but they said it could take up to a few weeks. They told me I should just cash the check and pay them online. This has occurred over the span of 4 weeks -- each time Amex arguing with me that I owe them twice for my credit card bill and then promising to fix it. To top it off, some of the customer service representatives were extremely rude and accusatory.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: We had a Mortgage Loan with XXXX on our primary home. 
On mid XXXX we received a notification that our loan had been transfer to a different servicer, ( SLS ) Specialized Loan Service, and that we were supposed to start payments with this company on XXXX XXXX 2015.Eventhough, we are making our payments on time every month they are sending letters that we are behind, and they refuse to send us any statements. After several attempts and letters to get our statements they keep refusing to do so. We are worried, since we noticed that we are not the only ones with this problem, and that several people are complaining about this issue with SLS.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 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: Account information incorrect

Complaint: XXXX   XXXX ,    2017  Consumer Financial Protection Bureau   XXXX   XXXX   XXXX   XXXX   XXXX  , IA  XXXX  RE : Complaint Against   XXXX   XXXX   To Whom It  May  Concern : I have requested from the creditor   XXXX   XXXX    and the  XXXX  major credit bureaus to update my credit report to reflect the correct beginning balance and that the account was paid in full, on a 90 days same as cash transaction. The response was that the creditor verified that the information was reported accurately.     I purchased a sofa with  ottoman  from  XXXX   XXXX   XXXX  and entered into a financial transaction with   XXXX   XXXX   with the intentions on paying off the remaining balance, after an initial down payment, within 90 days ( Same As Cash ) Not only did I pay off the balance in full, I paid it off in 60 days instead of 90. I also have a Certificate of Ownership from   XXXX   XXXX   that certifies that I own the sofa and ottoman outright.     From the beginning, it appears that   XXXX   XXXX   assumed that I wouldnt pay off the merchandise within 90 days so, they reported to the credit bureaus that my beginning balance was over {$2100.00} and the current balance is showing as over {$1800.00}  (  Please see uploaded documentation from my  XXXX  credit report ). The account balance has never been anywhere close to {$2100.00}. I only paid {$710.00} for the sofa & ottoman. I put down over {$200.00} plus taxes and delivery. I paid the initial, monthly rental payment almost 2 months prior to the  XXXX   XXXX  due date then the remaining balance of a little more than {$400.00} on  XXXX   XXXX . The deadline to payoff the balance on the 90 days same as cash agreement was  XXXX   XXXX .     I demand that   XXXX   XXXX   report the correct beginning balance and that the account is paid in full on all  XXXX  of my credit bureaus. Its damaging my credit and credit score when it appears that I went out and applied for {$2100.00} in credit when in fact, it was only {$710.00} and 90 days same as cash.     Thank you.

Company response to consumer: Closed with explanation