milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-11-2016 about Bank account or service (Other bank product/service) with BNY MELLON, NATIONAL ASSOCIATION (CA).
Issue: Problems caused by my funds being low

Complaint: BNY Mellon implemented a monthly account fee for HSA ( Health Care Savings Accounts ). 
This fee is for any balance below {$5000.00} and was implemented AFTER these accounts were set up through my employer. By LAW I can only put {$3600.00} in this account in a single year and I am being penalized by BNY Mellon. I submitted this complaint a few days ago, but I can not find it. The ref. number is : XXXX BNY Mellon has a service contract with XXXX and is servicing 100 's of thousands of new customers with HSA accounts. This fee will give them automatically several million dollars in new revenue each month. This fee targets low income people.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Debt collection (Other debt) with All State Credit Bureau, Inc. (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received correspondence from XXXX XXXX XXXX in an attempt to collect multiple debts. XXXX XXXX XXXX has themselves listed as the original creditor with no account information listed. Please be advised this is not a refusal to pay a debt, but a notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is required.

I have no knowledge of this account or any knowledge of any contract with this institution. I request that you please verify the following information to assist identifying whether this debt is valid : 1. Full original account number 2. Date original account opened 3. Any and all written agreement ( s ) between myself and the diversified consultants stating I agreed to pay alleged debt 3. Consumer address at which original account was opened 4. Date of first delinquency 5. Itemized calculation of alleged debt Original signed contract between myself and this creditor, not a copy.

If XXXX XXXX XXXX is unable to provide all of the above identifying account information I will have no recourse but to presume the debt invalid and/or fraudulent and request account deletion from all credit reporting agencies without further discussion of payment in full or partial settlement.

This is my attempt to verify the validity of this alleged debt and I appreciate your transparency and cooperation.

Please conduct all communication through written correspondence to the following email address ( s ) only : Name : XXXX XXXX Email Address : XXXX   Other : XXXX XXXX XXXX XXXX XXXX XXXX NY , XXXX.

Absolutely no phone calls. If correspondence from XXXX XXXX XXXX in any manner other than permitted I will cease all communication ( invoking my legal right to request XXXX XXXX XXXX to cease communication ) with the presumption that the debt is invalid and that I own zero responsibility ( in part or whole ) for the repayment of said debt.

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I was denied a modification based on Negative DisposableIncome. That 's based on my home being valued at XXXX. 
Dollars. I would like a principle reduction. I be leavebased on the true value of my home it will lower my debtand allow me a payment I can afford.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Diversified Consultants reported a debt for XXXX XXXX XXXX on my credit report. Thy did not attempt to contact me for any verification of debt. Diversified Consultants reported to all 3 credit bureaus {$150.00}. This was for unreturned equipment. I contacted XXXX XXXX XXXX and my account reflects that I do not owe them {$150.00} because I returned my equipment. Had Diversified Consultants followed the law and mailed me a letter to verify the debt this could have been resolved before they placed it on my credit and caused my score to drop over 30 points. This has been an undue burden on me financially, caused by the negligence of Diversified Consultants, and I want this negative reporting removed from all 3 bureaus immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have contacted the credit reporting agencies numerous times over the past year to have them dispute these credit inquiries from my credit report. Each time I have called and asked to have them to dispute the inquiries they have informed me to call the creditor directly to have them to correct the error. How can I contact the person listed on my credit without all the information needed to dispute it directly with the person that put it on my credit report.

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 09/13/2017 about Debt collection (Credit card debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I am applying for a cash back business credit card with XXXX. I had a block on my credit & XXXX could not execute issuing a card to me. When I contacted TransUnion to lift the block, they sent a report to me. The only Adverse Account on the report was XXXX reported a balance of {$78.00} In Collection, updated XXXX/XXXX/XXXX. I called XXXX. The Billing Dept had no record of this. How do I get this removed from my report? I have not ever received notification from XXXX of this issue.

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 11-10-2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: In an attempt to pay a judgment lien, I contacted XXXX XXXX and worked out a settlement amount to pay the judgment in full. In good faith, I paid the agreed amount and requested that XXXX XXXX file a Satisfaction of Judgment so that I could move forward with refinancing my home. After repeated requests, XXXX XXXX will not send the Satisfaction of Judgment or even give an estimated time frame for when they will complete the form. It has been XXXX months since XXXX XXXX cashed my check for the amount owed and verbally they have confirmed that the account has been settled in full since XXXX XXXX. It is now XXXX XXXX and after approximately XXXX different phone calls, I am desperate to get XXXX XXXX to act. I am trying to refinance my mortgage, which potentially saves me XXXX per month but I can not do so without the Satisfaction of Judgment because the title company can not insure the new loan.

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 03/14/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CT).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: XX/XX/XXXX - large payment made to Citi Cards to pay off balances XX/XX/XXXX - Citi cards locked my credit card and sent me an payment verification notice XX/XX/XXXX - I called citi card and got my bank ( XXXX ) on line to sort out the hold. 
XX/XX/XXXX - I received a letter from citi card stating my bank XXXX told citi bank that my account at XXXX has insufficient funds. 
XX/XX/XXXX - I called citi card and have my bank XXXX on the phone and verify that that is incorrect. Citi refused to acknowledge the mistake they made and insist on locking out my credit card until payment is verified. 
XX/XX/XXXX - I called citi again and they still have not unlocked my 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 11-03-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Midland XXXX is on the credit report and on the XXXX reports, not XXXX & XXXX. Midland started this mess and now want to push it to another company. All this about their rights, what about my rights. This is XXXX debt that is XXXX XXXX XXXX and they are passing it around like it 's some kind of XXXX mine. This is wrong and they should not be allow to do this to anyone. It started off with XXXX, Midland, and now some company call XXXX XXXX XXXX this is crazy. I still the same person that feel like is so wrong, all these company is doing passing the buck around ; and saying they have the right to add more time to a XXXX XXXX XXXX debt. Who would want to keep doing this? This is crazy, I 'm a person that you are sharing my personal information to other third party company is not right and should be against the law to do the thing that your company are doing to a person. I did not give you person or your company permission to share my information with anyone. If you have any paper that show that you have contact about selling my information or given contacting me about you have this debt and I knowledge you about this account. The answer is NO we never spoke or have and paper work that say that I was aware you and your company.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ND).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My credit report shows a hard inquiry via XXXX XXXX on XXXX XXXX, 2017. This will be the second time that credit card accounts have been attempted to be created in my name. even after contacting XXXX XXXX several times over the course of a couple of years, they have been no help. XXXX XXXX told me that it is not their problem and that I should contact all of the credit bureaus to fix their mistake. I then called XXXX only to be told that I needed to contact XXXX XXXX for them to fix the issue. I have never once done any business with XXXX XXXX in my life. I need some sort of assistance to get this inquiry off of my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2017 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: The following company had done an hard inquiry with equifax without my consent. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (GA).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: I have called them to dispute the date listed on the debt. It is listed as XX/XX/XXXX when the account was closed in XX/XX/XXXX. Each time I call them to dispute this amount and force them to confirm they own the debt by providing the original bill they hang up on me instantly. This has happened mutilple times and becasue they refuse to provide documentation I want this amount removed from my credit report and for an investigation to begin into the company.

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 06/21/2017 about Money transfer, virtual currency, or money service (International money transfer) with WESTERN UNION COMPANY, THE (GA).
Issue: Other transaction problem

Complaint: On XX/XX/XXXX at XXXX XXXX ET, I entered a money transfer transaction from the US to XXXX : Transfer Amount : XXXX USD Transfer Fees : + XXXX USD Total Billed Amount : XXXX USD Exchange Rate : XXXX USD = XXXX CUC Transfer Amount : XXXX CUC Total to Receiver : XXXX CUC Transaction Number : XXXX XXXX XXXX In XXXX, the funds were unable to be retrieved because, unknowingly , Western Union does not allow US Citizens to be defined as the recipient of funds in XXXX. On XX/XX/XXXX at XXXX XXXX ET, I spoke with Western Union Customer Service for 15 minutes and 37 seconds to request that the Transaction be cancelled so that I could be refunded. I was told the transaction was being cancelled. On XX/XX/XXXX at XXXX XXXX ET, since the transaction was NOT cancelled, I submitted an online Refund and Cancellation request with Western Union ; Case Number XXXX On XX/XX/XXXX at XXXX XXXX ET, I called Customer Support again. I was on the phone with them for 42 minutes and 13 seconds, and was told that the system has an error, and that is why they are not able to process the cancellation of the transaction. On XX/XX/XXXX, I used the Customer Support Chat feature to contact Western Union around XXXX XXXX ET, and was told there have been no changes, and that they are still unable to cancel the transaction. To summarize, Western Union has held {$540.00} from my account since XX/XX/XXXX, and has not given me any updates or time frame as to when the  system error can be resolved in order to cancel the transaction and grant a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Mortgage (FHA mortgage) with Prospect Mortgage, LLC (VA).
Issue: Settlement process and costs

Complaint: XXXX XXXX XXXX, 2014 I obtain a FHA loan from Prospect Mortgage, LLC. The in-house counsel member XXXX XXXX XXXX committed perjury in her email by stating that my mortgage loan was not sold to the secondary market. XXXX XXXX is the counselor for XXXX who is a subservicer for my original lender Prospect Mortgage, LLC. Moreover, the manager for Prospect Mortgage, LLC refuses to send me a letter stating that my mortgage loan was sold to the secondary market via XXXX XXXX. When mortgages are bundled up in contracts and transferred to XXXX XXXX, the mortgages are sold to other investors as stock certificates to the secondary market. The borrower promissory note is converted over to stock certificates when there pooled together with other schedule loans. I was able to obtain this information from the Securities Exchange Commissions. In closing, I am currently seeking legal counsel because I have a lawful right to know who actually owns my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Credit reporting () with EQUIFAX, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is not responding to my requests to investigate, verify and remove XXXX account from my credit report that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of identity theft. My wallet was stolen with all my personal documents. I reported the incident to the police and received a police report. on XXXX 2016 I noticed that there is information on my report that do n't belong to me. I filed a police report for that too. I sent all the documents to the credit bureaus XXXX, Equifax, and XXXX XXXX. the credit bureaus removed almost all the fraud accounts. Equifax is still reporting XXXX fraud accounts even due XXXX and XXXX XXXX deleted them and I did proof that it 's not mine by providing them with my XXXX police reports. Equifax is ignoring after I sent them everything they need as I was told by the FTC. I really need your help to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Sent letter to credit reporting agencies telling them the inquiries on my report are unjustified : the actions fail to comply with FCRA Section 604.   The letters are attached below.   Credit Agencies replied stating they did not need to investigate, verify, or remove inquiries.   Credit Agencies failed to prove  3  requirements and failed to remove inquiries from 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 10/23/2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (NJ).
Issue: Problems when you are unable to pay

Complaint: I have taking a loan with Ally financial inc. who I believe are violating my XXXX rights. They recently repoed my vehicle again. Every month I get my XXXX check on the XXXX. I have repeatedly asked to move my due date to that date so I will not get late fees. They refuse because I 'm over due on my balance. My husband has FMLA with his employer so when he misses work to help me because i am a recovering XXXX XXXX patient he loses pay when he calls off. Ally harasses me by phone, they have already been sued for racial discrimination case with the interest rate. I do not recommend this company to anybody. I feel they are taking advantage of me because of my XXXX and continue to charge me late fees instead of moving my due date to my pay date so I can be on time. Please help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (KY).
Issue: Managing the loan or lease

Complaint: I recently had a loan paid off with Wells Fargo for my auto loan. I have been trying to reach Wells Fargo in regard to an over payment to my loan, and have received no response. I have called several times and submitted an email to Wells Fargo Dealer Services with no return contact.

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 07/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I owed XXXX XXXX {$360.00} a couple months later, Pinnacle Credit Services LLC was on my credit report. Moreover, a year later i settled the debt with there XXXX party which i dont understand because t tey have a lot of XXXX parties. Anywayway upon payment it was agreed that the debt was settled and will be closed and taken off my credit report after 30 days. They sent me XXXX letters verifying account is closed. I disputed to all XXXX credit burueas twise and it is still on my credit report and they keep reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have been in conversation with both XXXX Bank and Transunion and have requested my mortgage accounts with XXXX Bank be reported. XXXX Bank has been working for almost 2 years trying to correct this and Transunion refuses to add my two accounts with XXXX Bank to my credit report. They continue to tell me to contact XXXX Bank which I have done many times. I would like assistance from you to have Transunion correctly report my two accounts with XXXX Bank to my Transunion Credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Bank account or service (Other bank product/service) with TD BANK US HOLDING COMPANY (NJ).
Issue: Account opening, closing, or management

Complaint: TD bank branch representatives incorrectly characterized my IRA accounts as being funded with " rollovers '' instead of " direct rollover/direct transfer ''. In effect a XXXX was sent as a distribution and I suffered adverse tax consequences. In addition, XXXX XXXX (? ) the representative in the XXXX XXXX branch of XXXX, NJ did my paperwork incorrectly. I observed that she wrote my social security number on paperwork and left it in an unlocked desk drawer. XXXX XXXX took XXXX-120 minutes to complete the deposits, which she then called hours later to indicate were incomplete. Her message states that she needed additional signatures from me. I was not given a receipt, and she did not assist in correcting the character of the IRA funding source. My funding checks were left at the branch and I have no receipts or funds deposited although there is a 60 day limit to complete these transactions. When I called the branch this morning in response to her message requesting signatures, I spoke w/ her colleague XXXX who said she would look into the matter and return my call. Over two hours later, XXXX called me back and was verbally aggressive right off the bat demanding I come in to sign forms. She said she could not securely email forms to me, then she got angry when I asked to speak w/ the manager. She lied and said there was no manager on duty. When I asked for his name she told me XXXX XXXX then she was belligerent and asked me, " Yo, what 's your problem? '' I was astonished at this reaction, since I had not raised my voice or spoken tersely with XXXX. I asked her to put a manager on the phone and she hung up on me. XXXX failed to correctly explain the differences in rollover types, I believe she completed my applications incorrectly. In addition, my personal information was unsecure and I believe mishandled as she had various printouts and multiple branch employees assist with retrieving them from the printer. Finally, I was mishandled from a customer service aspect and I do n't want to do business with TD bank in effect. I am extremely concerned about the damages I suffered from my accounts being misapplied and am considering seeking recourse.

Company response to consumer: Closed with explanation