milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-01-2018 about Debt collection (I do not know) with Diversified Consultants, Inc. (NC).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: This number calls all times of the day. I answer and they tell me I owe them money unable to tell me what for. I ask them not to call back and they continue to do so. I have never heard of this company until they showed up on my credit report and started calling me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (AZ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have several Hard Inquires from Credit Card Companies that I do not recognize. I called the Credit card company 's and they told me to call XXXX. I called XXXX and they had me on hold for a long time then they told me to contact the credit card company 's. I am tired of the run around and I want some action done to take these inquires off of my report. ALL of THEM!!

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 06/18/2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, XXXX, I went to the XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NY, to open a checking account. Because I have had a savings account at this same branch since XXXX XXXX, and a positive banking relationship, I was astonished and embarrassed to be denied XXXX a personal checking account for myself and a corporate checking account for my law firm, a P.C. incorporated in NY in XXXX XXXX. The reason for these denials was that the XXXX indicated that my P.C. and I XXXX combined XXXX owed TD Bank a total of {$200.00} in overdrafts. I dispute this. I was given neither notice of these alleged overdrafts nor an opportunity to prove that these alleged charges were illegal and invalid. 
Four or five years ago, XXXX, I opened both personal and corporate checking accounts with TD Bank , NA. My XXXX partner noted that I was spending an inordinate amount of time in the XXXX XXXX XXXX Branch of TD Bank, contesting unwarranted and unjustified overdrafts. Finally a friendly TD Bank officer told me quietly that it was bank policy to maximize the number of overdraft fees on each account, by manipulating the receipt of debits and credits. In XXXX XXXX a XXXX federal judge approved a {$62.00} million class action settlement arising out of TD Bank 's illegal overdraft policies. ( In re : Checking Account Overdraft Litigation XXXX. Because TD Bank has continued to practice its illegal overdraft policies despite the XXXX settlement, a new TD Bank overdraft fee class action was filed on XXXX XXXX, XXXX, in federal court XXXX XXXX XXXX et al. v. TD Bank NA, case number XXXX, XXXX XXXX XXXX for the XXXX XXXX of XXXX XXXX XXXX This litigation is still pending, and I am still waiting for a refund check for the overdraft fees improperly charged to my XXXX accounts. 
Meanwhile it would be prudent for XXXX and XXXX to cease and desistfrom implementing TD Bank policies to force customers to pay illegal overdraft fees, or to forego checking accounts at other more reputable banks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Sierra Holdings LLC (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am writing to dispute the following information in my file. I recently received a copy of my credit reports. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B.  Insurance C. Employment D. Court Order T he following credit inquiries are related to none of the aforementioned permissible sierra finance  XXXX / XXXX / 2017

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Credit card () with HSBC NORTH AMERICA HOLDINGS INC. (MI).
Issue: Other

Complaint: Upon reviewing my credit report I noted an XXXX credit card on my account that I have no recollection of opening. I submitted a dispute with the Reporting Bureau XXXX and it came back verified. I mailed a certified letter to XXXX on XXXX XXXX asking for validation of this debt and just received a response letter from them on XXXX XXXX. Their letter stated the following : The contract date was XXXX XXXX and there was a payment in the amount of {$50.00} in XX/XX/XXXX and the date of first delinquency was XXXX XXXX. They also stated it was sold to a collection agency called XXXX XXXX in XXXX XXXX. They also noted that they sent my recent correspondence to XXXX. They also reviewed the reporting and stated in their letter that they were inaccurately reporting to XXXX and would update my report. Per my letter requesting validation of this debt they have failed to provide my any evidence that this account is mine. I wish to have this inaccurate information removed from all XXXX credit Bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have asked numerous times to have this Bankruptcy removed and they have not removed it. It should have been removed last year

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 10/17/2016 about Debt collection (Federal student loan) with COAST PROFESSIONAL INC (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was never contacted about a debt ( that I do not owe ) from the Department of Education. the debt i 'm told starts from 1994. All of a sudden my wages are being garnished. I had no knowledge of ANY debt owed, and I was not given an opportunity to communicate with anyone to either confirm or deny that I owe anything, but instead the order was sent to my employer. If anything was mailed to me, I never received it. Absence of a response does n't mean I owe anything. I was never given a chance to defend myself. And now out of the blue, I have to figure out how to pay my rent!!

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Credit card () with BANCO POPULAR DE PUERTO RICO (UT).
Issue: Unsolicited issuance of credit card

Complaint: I received a notice in the mail asking me to set up a pin for a credit card I did n't apply for or receive. I called and it was a very short message saying that I can validate the pin or request a new one. I ignored it. A few days later I received a credit card in the mail from Popular bank from XXXX XXXX. It was their XXXX Visa card. It had a limit of {$15000.00}. If someone was simply trying to steal my ID they would n't have sent the card to me so I then questioned whether Popular Bank was behind this or someone at their bank was doing this in the hope that I would validate the card and then use it. I called the bank on XX/XX/XXXX and they were evasive, they transferred me to their fraud department who said they would get back with me. Today is the XX/XX/XXXX, I have not heard anything so I called again. The customer care department wanted me to give them a lot of additional personal information, which I refused to do ( Birth date, full SS number, etc. ) I was transferred to the fraud department who claim the account has been canceled and I have n't received any response from them due to the large number of issues with which they are dealing. They said it would be 30 days. I really think something is going on with this bank that deserves your attention.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MD).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage company foreclosed on my home while I was in the modification process. I received confirmation they received my paperwork for review and then I was foreclosed on 6 weeks later. I later found out that my mortgage company Nationstar purchased my home via a third party. I had planned on giving all the info to the courts on my status hearing date of XXXX/XXXX/2016 and when I got back into the country ( my mother was ill I was in the XXXX taking care of her since XXXX ). I found that my status conference had been cancelled. I also found out that my same mortgage company was involved in illegal insurance scams and as a matter of course I had a flood in my basement which my insurance ( given to me by my mortgage company ) refused to pay for mold damage of several thousand dollars, I in fact have yet to receive even any monies for the burst pipes and broken window that occurred when the water hit the window and broke it. Nationstar is a predatory lender and should be put out of commission.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (NJ).
Issue: Money was not available when promised

Complaint: Hello, I 'm a XXXX XXXX XXXX XXXX that uses Coinbase.com to sell my virtual currency. I have not had an issue to doubt their integrity until just a few weeks ago as my previous experience with XXXX is rather painless. I submitted a wire transfer withdrawal from my XXXX account to my XXXX XXXX XXXX checking account for the amount of XXXX The website advertised there is a 3 day delay at the time of submitting this withdrawal wire. I waited 3 business days and opened up a support ticket on their website which was answered promptly, but with a generic message ( summarizing ) " the services are delayed due to high volume ''. Fair enough, it was a high point in the crypto-sphere, I can understand there is lots of volume. So I waited some more and posted a response to that same support ticket ( case XXXX ) asking for an update which was on XX/XX/XXXX. No response so I posted once more on XX/XX/XXXX for an update, no response. It 's now been 13 business days and no one is taking ownership of this issue. I believe there are more people impacted by this as social media is also reporting lots of failed communication attempts. 

I called my bank to verify that the wire was not rejected and they confirmed no wires are pending or were rejecting to my account. 

I am hoping you can help as this may be a small amount of money to some, but for me it 's a relatively large amount. The reference code given to me by Coinbase for the transaction is XXXX and is marked complete on XX/XX/XXXX I am hoping you can help.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Mortgage (Reverse mortgage) with AMERICAN ADVISORS GROUP (DE).
Issue: Credit decision / Underwriting

Complaint: AAG is actively engaging my husband, XXXX, to enter into an reverse mortgage with the company. I have informed AAG that I ( co owner of house ) have not knowingly applied for a loan with them and that my husband is ill and unfit to enter into any business relationship. XXXX agreed to purge our information from their data base. However, that was not executed and they are actively pursuing a loan with XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I disputed a bankruptcy chapter XXXX - discharged on my Experian 's credit report. The item came back verified. But I called the United States Bankruptcy Court - XXXX of California to ask if they did verify my discharged bankruptcy. The clerk 's answer was very clear : " The Bankruptcy Court do not have any type of communication with any of the credit bureaus, including Experian. '' Then I insisted and asked if by any chance the court received anything from Experian trying to verify the case, the clerk 's answer was clear again : " No sir, we did not receive anything from Experian regarding your case ''. 
Then, Experian is violating the Fair Credit Reporting Act by saying they verified this item. 
In the other hand I would like to add here that XXXX and XXXX removed the case from my credit report because they never verified it. 
Please, see the attachments. There is the BK on Experian 's Credit Report and also the information from the Bankruptcy court about credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Credit reporting () with Credit Technologies, Inc. (NM).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by the above referenced company. I did not authorize anyone employed by this company to make any inquiry and view my credit report. This company has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 

I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. 

The credit bureaus will not investigate this claim saying that it is a 'matter of record '. This company refuses to provide me a copy of the signed application, the date it was signed and that I agreed to terms and conditions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax has through gross negligence, leaked millions of social security numbers, dates of birth, and driver 's license numbers. These are things that can not be changed, so anybody who has access to this info can potentially steal my identity at any point in time. Beyond this, Equifax refuses to properly inform people who have been affected. Even their online system has been shown to randomly tells you you are affected or not. Now, to protect your credit, every person has to pay for a credit freeze and unfreeze and refreeze their credit every time they need to open a new account. With fees up to {$10.00}, a family of four stands to pay {$120.00} to freeze our credit and then each of us will need to pay {$60.00} to unfreeze and refreeze each time up apply for credit.
The following should be done : 1. Mandate Equifax to inform every affected customer by postal mail.
2. Make credit freezing and unfreezing free at all 3 bureaus 3. Based on the gross incompetence they have displayed, Equifax should not be allowed to maintain consumer credit information anymore. The other two agencies must have high security requirements mandated on them including periodic penetration testing and ethical hacking.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (NC).
Issue: Struggling to pay mortgage

Complaint: I have been submitting information to Chase since XXXX of XXXX. I sought out a HUD approved counseling agency to seek assistance. My XXXX has complied with all the information that has been requested. The customer relationship XXXX XXXX XXXX has reached out to me on only one occasion. To date I have not heard from her in regards to the status of my file. They have asked for the same information multiple times. My wife has developed one new XXXX on her brains. She has been sick for the last couple of years and only collect social security. This has caused an incredible amount of stress on us. I am just looking for some resolve on this issue. I do n't feel Chase has done their due diligence in reviewing my file properly. I spoke with them today. They asked for the same information over again. They requested a XXXX back in XXXX which was provided to get a YTD on my income since it varies. My XXXX submitted the information more than a month ago. They are now asking for a LOE for the payment frequency on my job. This could have been requested a long time ago. Now other documents have expired that were sent in previously. Please help my family. Thank you kindly for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Vehicle loan or lease (Loan) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NY).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: I XX/XX/2017 I purchased a car that I had previously leased and was offered a loan through USAA. They accepted the collateral value from the lease company of approximately 18500. I asked for both the extended warranty and GAP insurance ... USAA calls this Total Loss insurance. Now They claim that I didnt get the GAP. My car insurance is also with USAA. My car was in an accident and it was totaled. They now are offering me XXXX and I owe over 18000. They now say I dont have gap and I owe the difference. Im sure I asked for it and they can not explain the gap between their XXXX collateral value for the loan and the dramatic decrease in value as determined by their insurance company. Its been about 7 months. I applied on the phone partially and online partially for the loan. Ive asked for my loan papers and proof from them that I was asked about GAP and that I declined it. They claim there is no evidence of that available.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (SC).
Issue: Using a debit or ATM card

Complaint: XXXX charged my account {$12.00} even after I checked it as " Do not renew ''. This is for a XXXX account. This was paid for on a pre paid card through XXXX. I called XXXX, explained the situation and that they have done this before. They said can not refund and did n't care that I have had this situation before and been refunded once already.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Student loan (Federal student loan servicing) with AES/PHEAA (MN).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I am trying to apply for Public Service Loan Forgiveness ( PSLF ). I have been on XXXX XXXX in the Minnesota XXXX XXXX XXXX since XX/XX/XXXX.  Qualifing payments for the PSLF program started on XX/XX/XXXX. I should have reached the required 120 qualified payment at the end of XX/XX/XXXX. I have called Fedloan Servicing at least 3 times to have my qualifing payment histrory reviewed by an auditor. Each time I received differing numbers of qualifing payments. My employment certification shows I have qualifing service from XX/XX/XXXX through XX/XX/XXXX, which equals 7 years and 10 months. It also shows qualifing service from XX/XX/XXXX through XX/XX/XXXX which equal 1 year 3 months. I submitted a employment certification letter to verify my service from XX/XX/XXXX-XX/XX/XXXX. This should give me 10 years of qualifing payments. Fedloan Servicing has sent me letters stating I have 12 qualifing payments, 65 qualifing payments and 84 qualifing payments. Please see attachments. I should have 120 qualifing payments by now. I requested documentation showing my entire payment history broken out and which payments were considered qualifing payments and if any did not. To date, I have not received the detailed payment history I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Debt collection (Other debt) with CAINE & WEINER COMPANY, INC. (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Caine and Weiner have sent me a debt collection letter me regarding a non-existing debt for $ XXXX XXXX XXXX I contacted XXXX XXXX twice, on XXXX and XXXX XXXX, XXXX and they confirmed i did n't owe them any money. Caine and Weiner refuse to close the account, and insist that XXXX XXXX referred the debt to them.

Company response to consumer: Closed with explanation