milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/23/2017 about Debt collection (I do not know) with Worldwide Processing Group, LLC (IN).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: I was contacted by this company, but they left no message. I then received a text from my brother who is a police officer and he stated that the company called him, looking for me. The company told him they were using " tracing efforts '' to find me. I lloked into the information and the number and I discovered many similair situations with other people having the same company call them. They apparently also go by the name XXXX XXXX. 

I am upset that they are calling relatives and also that they are not using legit information. I would like to never here from them unless its in email or mail form. No more contact to relatives, ever.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with TD BANK US HOLDING COMPANY (NJ).
Issue: Other service problem

Complaint: TD Bank will not allow me to move money from my checking account into another account at XXXX, a California based bank. It seems as if TD does not want its customers to do business with any bank that has ties to crypto currency. 

XXXX has more trusted customers than XXXX XXXX, and I should be able to move money freely between MY own bank accounts. TD should remove the restrictions from their customers accounts and " allow '' them to legally do business with whomever they choose.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Mortgage (Conventional home mortgage) with PNC Bank N.A. (MD).
Issue: Trouble during payment process

Complaint: My mortgage company has in has my escrow and their reason is that they think i we are going to default on our mortgage. They will not refund our money because they might need money for repairs. They refused refund the money or decrease the escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Credit reporting () with EQUIFAX, INC. (NH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have a charge off on my credit reports with XXXX, I have paid the bal owed in full. The company said they would remove the remarks ( charge off as bad debt ) and replace it with ( paid as agreed ) They would send XXXX credit bureas XXXX, equifax and XXXX the update. They since told me they have done that. I have spoken to XXXX credit bureas None of them will change it. I have been working hard to take care of my old debts. Looking forward to maintaing a good credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Debt collection (Other debt) with Conn's, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have never been behind with this company as soon as I went behind they non stop call me. I have received at least 10 calls a day. On X/X/18 I received 8 calls. After the first 3 calls I called them back and advised them they keep calling me over and over and this is against the law. They said I am sorry and then called again 5 minutes later.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/28/2015 about Debt collection (Auto) with Stone & Hinds, P.C. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Car was repossession was sold by XXXX XXXX.But they are trying to collect the total amount we owned before they got it.Also we file bankruptcy which has this amount they are still trying to collect by putting a lean on our property.

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 03/16/2017 about Bank account or service (Checking account) with TCF NATIONAL BANK (MI).
Issue: Account opening, closing, or management

Complaint: I opened up a personal checking account with TCF Bank online on XX/XX/2017. They requested a supposed " credit check '', which I submitted to, but have never received the results of this supposed credit check. 
On XX/XX/2017 TCF Bank said via email that my account was opened, I received nothing. 
On XX/XX/2017 they told me via email that my debit card was in the mail. 
I received this debit card on XX/XX/2017, which had the wrong name on it! I have absolutely no idea how TCF Bank came up with this wrong name after supposedly doing a credit check. The name was not XXXX, but instead is XXXX! Who is that? I have no idea. 
On that same date, I called their 800 number. They told me to go into the local bank and that they could change it and issue me a new card. I told them that the local bank could not print out a new debit card, but their on the phone support said that they could. 
I went into the TCF Bank located at : XXXX, XXXX, MI XXXX on this same date, which again was XX/XX/2017. 
I took in the card and ID, told them it had the wrong name, they had no idea what I was talking about. They got that particular bank manager to come over, she had no clue what I was talking about. The wrong name! 
So they had me fill out a name change form. Why? I have no idea. Because they do not know what they are doing at this location either. I did the name change form. They said a new card with the correct name would be mailed out in 2 business days. 
Fast forward a week later, no card and name on account is still wrong. I call the 800 number for TCF Bank on XX/XX/2017, she calls the local bank in XXXX, MI. 
The location in XXXX, MI never even sent in this name change form! So it was sitting at this office for an entire week, with my personal information on it, plus my Social Security number. This is outrageous for a bank! Who trains these idiots? 
The lady on the phone says again, the name will be changed in 2 business days and a new card mailed out. It is currently XX/XX/2017 and I just logged into my TCF Bank account, the name is still wrong! It is still listed as XXXX. 
This is direct deposit from Social Security. This is a lump sum for Social Security XXXX because I am XXXX, as per the Federal Govt. figured out. I do not appreciate being treated like this by TCF Bank. I currently do not have access to my funds either! I do not have any ID to match to the account or the bank debit card that says my name is XXXX. I have given them over a week and a half for a simple name change, that should not have been wrong in the first place. It is still wrong.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CO).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I 've been a customer w ith Capital On  e since 2008. I have perfect credit and I 've always made my payments on time, and yet they closed my account with no notice. I was trying to get gas when my card was declined. I called to see what the problem was and they said that they closed my account due to my account not meeting their " expectations of personal, family, or household purposes ''. They said that they sent me a letter about it the day before, but that it would n't have made it to me yet, which they said was the only reason they were  willing to even tell me about it because I had n't actually been notified about it yet. I tried to find out what they meant that I was n't using my account for personal use, and they would n't tell me anything about it. I asked to  talk to a manager and they said it would be 24-48 hours before someone would contact me. This is poor customer service and I really feel like they have a complete disregard for their customer relationships. What if I did n't have any other way of paying for my gas? I would 've been stranded at the gas station. And why? Because Capital One decided that they did n't like the purchases I 've made?? I dont get it. At least let me know that you 're closing my account ahead of time so you do n't put me in a bad situation when I 'm counting on being able to use my credit card. It 's ridiculous. I think they just did n't feel that they were getting enough interest out of me, so they closed my account. I wo n't ever d o business with them ever again, for credit cards or otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Asset Acceptance LLC has failed to validate a debt that they say I owe them. They have never responded to any of my requests. I have never done business with Asset Acceptance. I have asked to see a contract that requires me to do business with them and they ignore me.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have tried fro three months to have the XXXX credit bureaus verify incorrect information on my credit reports and i have not received any replies.. i even sent letters certified to make sure they received them and nothing to this date.. They have violated the FCRA and at this point and time they must delete all negative items from the reports .... I hope you are able to contact them in this matter as it has brought me to my wits end. Thank you for your time. Attached is the last letter i sent this credit reporting agency

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 02/16/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (ME).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This is a very old account that is way more than what I think is owed. My estimation is that this particular agency has charged me in excess of {$900.00} in late fees/surcharges that they agreed to be waived.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CT).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: ERC is fraudulently reporting my credit information and re-aging my account. They are fraudulently reporting the account as being 1yr and 11months old when in fact the account is close to 6 years old in order to prevent the account from closing due to reaching statute of limitations.

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 02-01-2016 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: We had a written approval to close XXXX/XXXX/16, shortly after receiving it we learned there was second lien. We asked several times prior to XXXX/XXXX/16 for an extension to deal with the other lien. We were not able to get in contact with the negotiator or receive any movement on our request at all. We need an extension, so we can resolve the XXXX lien and close the short sale.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Vehicle loan or lease (Loan) with JPMORGAN CHASE & CO. (TN).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: Paid off loan in XXXX -- Have not received the Title. Talked to JP Morgan / Chase 6 times. Long story short lots of promises still no title.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: SLS ( Specialized Loan Servicing ) makes harassing phone calls morning, noon and night if my loan payment is not paid on the XXXX. of every month. My loan payment is due on the XXXX XXXX. and delinquent on the XXXX monthly. I pay it every month on the XXXX yet for the past three months if the loan is not paid on the XXXX. they start calling. even if I answer and tell them I pay every month on the XXXX they keep calling. They told me today they have every right to call as my " investor '' wants to be paid on the XXXX. I made this loan with XXXX XXXX XXXX and they sold it to SLS. I have complained to BofA in the past about this practice. Does SLS have the right to make stressful unwanted phone calls if my loan payment has never been late? They seem to think they do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am writing on behalf of my minor child she is XXXX i received her credit report from all three bureaus and everything is wrong from job, all the addresses, year of birth and even accounts i am enclosing her birth certificate, social and my id and bill only address she lived was XXXX XXXX XXXX XXXX tx 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 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I contacted XXXX about some unauthorized inquires on my credit report to which they responded " call the creditors '' .This credit reporting has been very rude and unprofessional in dealing with my complaint.The inquiries are XXXX XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX and XXXX on XX/XX/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 11-12-2015 about Consumer Loan (Installment loan) with Mobiloans, LLC (TX).
Issue: Taking out the loan or lease

Complaint: I noticed on by bank account that I had a credit of XXXX on XXXX/XXXX/2015 from Mobiloans LLC. Subsequently I had debits in the amount of XXXX on XXXX/XXXX/2015, XXXX on XXXX/XXXX/2015 and XXXX on XXXX/XXXX/2015. I have never applied for nor agreed to any loan. I did not need a loan nor have I ever needed a loan for XXXX. I have placed a Stop Payment on my bank account and filed ACH disput as well. I do not want my crediit affected by this unauthorized loan.

Company response to consumer: Untimely response
Consumer complaint received 01/21/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Good evening, I currently have several private loans with navient bank at which my offical payment is due. I have been paying interest only for the last few years and my options have expired. I spoke with navient and pleaded with them to help me reduce my XXXX dollar plus payment at which they advised i could extend my payments to 300 months. After trying they still wouldnt hear my pleadings for a lower payment at which they took my financial statement and my step fathers financials ( co signer ) i advised them i could only afford an XXXX dollar payment and that my bills exceeded my income with the larger payment and denied me a reduced payment due to my step fathers ability to pay ( he is on a fixed income of social security and pension ). Navient said based on his credit he was able to pay what i coulndt. I called many times advising i couldnt afford this payment and was advised that all of my options have been exausted and would have to pay fully every month. I dont know what else i can do. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (MN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Greetings, Ive sent several faxes, emails, and postal service mailing to Wells Fargo requesting they correct incorrect information on my credit report. I was told that if I paid off my debt by a personal banker if I paid off my debt they would removal all late payments and show it as noting or as paid on time. This was said in the context that they were sending my statements to the wrong address and wasnt notifying me properly about a debt I owed 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 04-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: This account was submitted to Cfpb on XXXX/XXXX/XXXX, as a collection report on my XXXX Credit Report. As of XXXX/XXXX/XXXX, this acct. was removed from XXXX. I am requesting that Transunion also remove this as well. The company did report that it would remove this acct. from collections. Company placed these accts. in collections for dates of service : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. These were for injections for my knee weekly @ {$600.00} per injection. Prior authorization from office manager told me that they would accept whatever my insurance company paid and I would not have any additional charges sent to me. The company has agreed to remove the {$330.00} charge and submit it as closed. They have only submitted to XXXX and still have this collection showing on my Transunion Credit Bureau.

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 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: The XXXX XXXX XXXX XXXX is reporting a lien on my Equifax and XXXX credit reports. I went on the XXXX XXXX XXXXXXXX XXXX 's website and searched my last name to see if it was any information, there isnt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/28/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I tried to see my free credit report and I could not see it because you asked me questions about my wifes credit reports and theres no way I can answer her questions because we have not been married long and it stuff from her XXXX marriage and she wont give me the answers, Why are you asking me questions about her on my report and not asking me questions about me?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (TX).
Issue: Managing the loan or lease

Complaint: Have a loan with Springleaf Financial. When loan was taken out, we were told to pay for 1yr on time and we could come back for the extra XXXX we originally asked for as we were cleaning up our credit. When that year was up, we did ask for that increase and even though my credit score had NOT CHANGED, nor had any other info really changed, I was told they are " looking at it differently and could not do the increase ''. At that time, given that they had said there would be no issue, I had made arrangements to pay off two cards one of my children left a balance on and so could not pay both those and the Springleaf. I asked for deferrment of one month of payment. Was NEVER told in writing or otherwise that there was anything else we needed to do until 3 wks later when payment was already very late. At that time, given how I was spoken to my wife contacted the corporate office of Springleaf to help get resolution. The issue was we felt this was a bait and switch situation AND the fact the manager would not let us get a call from her supervisor. Something fishy going on. Too many different things being told to us. I faxed a ton of paperwork to XXXX XXXX at the corporate office. The biggest issue now is that this company is showing us to have missed TWO PAYMENTS. One should have been defferred as they promised via email and phone and the second was actually waiting to hear back from corp office AND get the correct account number as that had changed. This is not ok and this company should not be allowed to incorrectly report this account. They are not telling the entire story which involves ME WAITING ON THEIR CALLBACK!! This account should not show a late payment at all. Plus - how the change they way they score never made sense and feels very shady. We have proven that our scores never changed. That is what the said things were based off until we asked for what they promised. I want this account to reflect the TRUTH and not late payments. We were working with them to resolve issue AND had to wait on THEM to give account number when it changed. SHOULD NOT SHOE LATE!! Please help us get the reporting accurate as this is impacting my credit. If needed I can supply names and number of person at corporate office we dealt with. This is such a bait and switch thing and it is not ok to mess up credit!

Company response to consumer: Closed with explanation