milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/18/2015 about Debt collection (Payday loan) with URS Holding, LLC (AZ).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: She called my XXXX year old son, my husband and myself nemorous times, one after another each 1 minute apart. Left voice mails that scared him saying a compliant has been filed and legal proceedings will begin.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ConServe (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The collector callled me daily for several days even though I told him each that at the moment the options they are offering would not work. I asked him to stop calling and that I would give them a call once I had an offer to make. He continued calling daily and called my work phone number ( see above ) during business hours ( XXXX on XX/XX/2017 ). It is the same individual that continues to call me ( XXXX or XXXX ) even though I 've repeatedly asked him to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Any cards with XXXX XXXX are not mine. As of XXXX 2003, I was divorced. These belong to XXXX XXXX XXXX of XXXX, XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2015 about Mortgage (Conventional fixed mortgage) with BMO HARRIS BANK NATIONAL ASSOCIATION (IL).
Issue: Application, originator, mortgage broker

Complaint: On Wednesday, XXXX XXXX, 2015, I went into a BMO Harris branch in XXXX, Illinois to apply for a mortgage refinance. I presented the Mortgage Banker, XXXX XXXX XXXX XXXX a commitment letter from my current bank for the mortgage refinance and asked if he could do better than their deal. It was an interest rate of 3.5 %, for 15 years with XXXX origination fee and XXXX discount fee. Although he said the cost would be approximately {$1500.00}. He also said that the recent appraisal of my house could help to reduce the cost of the loan and I would get a grant for {$1000.00}. But he required a {$100.00} deposit. I provided a master card for the {$100.00} and asked for a receipt and he said he would email it, but he never did. Today, I received the application via express XXXX letter that he completed along with other mortgage documents including disclosures and settlement information. How can {$4100.00} in settlement charges be better than XXXX cost and XXXX origination fees? I wanted to borrow XXXX, but the application says that I want {$85000.00} to pay for consumer debt when I did not ask for additional funds. I told him that I currently do not have an escrow with my current mortgage and want to keep it that way, but the application/documents he prepared state that I would have an escrow. I have asked whether I would be denied a refinance loan for the {$73000.00} and whether I am only approved for the larger {$85000.00}. To date, he has not documented whether or not that is the case. Also to date, he has not provided me a receipt for the {$100.00} that I have requested XXXX, but BMO Harris managed to charge my credit card. I have found this loan refinance process to be such a scam.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Debt collection (Medical debt) with Credit Collections U.S.A., L.L.C. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I tries calling this company to negociate the debt and was advised that if I dont pay the debt in full b y  XX/XX/XXXX the  debt will be reported to the credit, I tried to get a payment arrangement, and they told me that a payment arrangement will not stop the debt from hurting my credit, I think this is unfair because I am willing to negociate and make payments, I felt threatened by this. I spoke with supervis or   XXXX   XXXX   on   XXXX   XXXX   XXXX   around   XXXX   XXXX   EST.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (WA).
Issue: Credit line increase/decrease

Complaint: I recently sent an online secure message to Capital One asking if they can lower the interest rate on a XXXX because they approved another XXXX with a much lower interest rate. I also inquired why they gave me such a low credit limit, considering they approved me for a new XXXX with a low interest rate and high credit limit. They refuse to respond in writing, and only respond via online secure messaging trying to get me to call in. I asked for the matter to be escalated to the corporate office for written response, and instead, someone left a voicemail message. I am NOT calling them back. I have the legal right to insist all communications with banks and credit card companies be in writing via online secure messaging. So then, I went online to activate the new XXXX card, and they 've blocked it, as I 've received an account restricted message. I 've already warned them that I would file a CFPB complaint if they continue to fail to respond in writing, but now that they 've restricted my new XXXX account, I 'm filing this complaint, as clearly, that is an act of retaliation. If CFPB fails to appropriately address this matter, and instead, simply sends me Capital One 's response, then considers the matter closed, I will report this to my Congressman, as well as post it on the Internet, as clearly, that indicates CFPB is just a " dummy '' agency created for the sole purpose of keeping the OCC from having to handle consumer complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Credit card or prepaid card (Store credit card) with TD BANK US HOLDING COMPANY (NY).
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint: I purchased a phone from XXXX through XXXX XXXX XXXX. I read their terms and conditions and then I finished my purchase which led to them automatically applying for a XXXX XXXX XXXX XXXX on my behalf. I was notified that my XXXX XXXX XXXX XXXX was approved with {$3200.00} credit line. I was given an account number and I am registered in their system. I got the confirmation for the purchase and was notified that the order will be delivered within 2 business days after shipping. XXXX never shipped the phone! After waiting a week, I talked to XXXX customer service and they told me there is some unknown issue with the XXXX XXXX XXXX XXXX and I have to talk to them and advised me to cancel and reorder. I eventually canceled the order and tried to reorder in their website but it wasnt working, telling me that I dont have any credit line available in my account. I checked my account and it was showing {$0.00} credit line available and no record of any purchase or transaction on my account. Then I talk to TD Bank and they said the problem is not from their side and my account is under review and they are waiting for XXXX to confirm my order and there is nothing they can do about it. They kept passing me to the other party, XXXX and TD Bank, and none of them was taking any responsibility for the matter. Right now, I have a credit account opened in my name with {$0.00} credit line and a hard inquiry on my credit record as a result. It seems that they prefer to do nothing about it. I didnt get the product I ordered. I didnt get any credit line. Just an account opened in my name with zero use for me. 

I checked XXXX online forum and there are so many people having the same issue and they all got nowhere and very unhappy about it. It is definitely a known issue for them, XXXX and TD Bank, and it seems they decide to ignore and not recognize it. 

Here is some other people who experienced the same thing and got no help : https : XXXX https : XXXX https : XXXX https : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/31/2015 about Debt collection (Credit card) with Blatt, Hasenmiller, Leibsker & Moore, LLC (AZ).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: Thru a company  called    XXXX   XXXX   XXXX  , the y negotiated an amount that was smaller than what was owed to  XXXX  or  XXXX   XXXX   XXXX  and I was able to pay off the agreed u pon amount in 4  payments in  XXXX  in the time stipulated. I also received new credit cards from   XXXX   XXXX   XXXX   with the account numbers that were never activated or used that I still have in my possession attached to the  XXXX   XXXX  package that indicate previous account ending  XXXX  new account ending in  XXXX  valid thru  XX/XXXX . Payments were received, no new transactions took place an no payments were returned unpaid. This was clearly an entrapment to void the agreement and when this did not occur they decided to wait in hopes that I would not have documents to prove what actually took place.   I received a summons in  XXXX   XXXX  indicating that the balance of the original amount was due thru the law company of  Blatt, Hasenmiller, Leibsker & Moore LLC  representing    XXXX   XXXX   XXXX    who apparently bought the loan from  XXXX . I believe under FDCPA my rights have been violated by deceptive and false misrepresentation with regards to modifying the card number to collect a debt that was agreed upon previously. I have provided the relevant information in the allotted time and the above mentioned lawyers are still pursing this thru the court system despite the fact that I received a letter from    XXXX   XXXX   XXXX    indicating that they may report the account as charged off to reporting agencies. Ho w can one com pany accept a payment, then a second company buys the debt and comes after you again. I believed that this debt was paid in full and should not have to go thru this anguish with these large corporations with  XXXX  behind them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Mortgage (Other type of mortgage) with National Asset Advisors, LLC (MI).
Issue: Struggling to pay mortgage

Complaint: I fell behind on my mortgage payments for three months due to identity theft, and then loss of income. I started worked with a Housing Counselor to help me avoid foreclosure. With her help, we completed a Loss Mitigation packet in XXXX 2017. She also helped me complete an application for Hardest Hit Funds, but XXXX XXXX XXXX will not accept them, despite attempts to get them to participate in the program. It is now XXXX, and I have never received any paperwork back from XXXX XXXX XXXX. Someone did come to my home in XXXX or XXXX to post a notification that I needed to bring the loan current, or I would lose my home. I have continued to make on time payments since missing those three months, and they are accepting my payments. When I call the company to discuss my situation and ask for an update on the Loss Mitigation packet, no one answers and I am forced to leave a message. My Housing Counselor spoke with the Loss Mitigation Manager and he agreed to a scheduled phone call appointment, but did not call and will not answer our phone calls. We have tried all phone numbers we could find, but we are only able to leave a message. I did receive notice on XXXX XXXX, that my mortgage payment is going up due to escrow shortages/tax increases, but I have not received anything else referencing my Loss Mitigation packet. I am concerned that I am close to losing my home, or that a sheriff sale has already occurred without my knowledge. I have XXXX children and do not want to lose our family home of five years. According to my Housing Counselor, XXXX XXXX XXXX is not following foreclosure guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: After reviewing my Transunion report I found that they were reflecting my credit card usage incorrectly. My credit card account had been extended from XXXX to XXXX. It had been that way for a couple months. So I called the card issuer and was informed that Transunion had been notified the same week the credit increase was issued. I then contacted Transunion via XXXX XXXX dispute. I asked that they correct the credit limit reflected on my report so that it would raise my score. 
Instead Transunion Deleted the only credit card I have from the report there by lowering my score .... 
I have tried to call them several time yesterday the 3rd and after 8 attempts I still could not get someone on a line that was not cutting in and out making the call in audible and ending in a disconnection from their end. 

We have so little control over these three companies and all our financial futures lie in there hands. The three should have higher consequences for situations such as this where they are holding up my prosperity ... ...

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 02-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with UBER TECHNOLOGIES INC (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: An unrecognized hard inquiry made by XXXX XXXX , XXXX. on XX/XX/2017. on XXXX   reports.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
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: I HAVE A PUBLIC RECORD ON MY REPORTING THAT SAYS I FILED CHAPTER XXXX BANKRUPTCY AND CHALLENGED IT AND IT CAME BACK VERIFIED. INFORMATION FOUND FROM THIRD PARTIES CAN ALSO BE INCORRECT AND I HAVE NOT FILED FOR BANKRUPTCY. IT IS PLENTY OF PEOPLE NAMES ASSOCIATED WITH THE SAME NAME AS ME AND THIS IS A MISTAKE ON THE CREDIT BUREAU PART AND NEED TO BE DELETED. I HAVE CALLED THE RECORDS CLERK LISTED ON MY CREDIT REPORT AND THEY SAID THEY HAVE NO KNOWLEDGE OF ME EVER COMING INTO THERE OFFICE AND THE INACCURATE INFORMATION NEEDED TO BE DELETED.

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 10/13/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Fraud or scam

Complaint: Company : Coinbase I have made a wire transfer to my Coinbase account to be able to purchase crypto currency. All my details were entered correctly and my bank has confirmed that the company has taken receipt of the funds. The funds have however for long past their promised time frame still not been credited to my account. I have attempted on numerous occasions to contact their customer support via email, twitter and phone and have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (AR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX illegally charged me overage charges even though I never went over the limit. I disputed it with XXXX at the time but later they sold or gave it to Pinnacle XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I will no longer expect anymore of your reviews of disputes from the accounts that I have asked you to send me the original signed documents on. You have violated every single request so if you do not mind please remove XXXX XXXX CLOSED XXXX XXXX CLOSED XXXX ACCOUNT AND ALL CREDIT INQUIRES

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Professional Debt Mediation, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They continually call me during the day ( more than XXXX times ) on my cell. They have also called both of my sisters, which I am not sure as to how they got their phone numbers. This is over a debt of {$120.00} for apartment cleaning charges. I am making payments on the debt owed. Current balance is {$50.00}. I refuse to pay the whole amount at once to them. They can get it in payments ... but as long as they are receiving payments, I was unaware they could call continuously.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Consumer Loan (Installment loan) with PLS GROUP, INC (IN).
Issue: Managing the loan or lease

Complaint: I got my car back on XX/XX/2017 and my car has been in the shop multiple time with in the last 3 month for the same thing and the issue have not been fix no one has offered me a ride back and forth to work I lost a job because of this car situation and now my car is back in the shop for the same issue and more as of today will mark its XXXX or XXXX time being towed for the same reason. My care is over heating and my transmission is slipping. I called to say asking for all paper work showing proof that these thing were fixed on my car I have put a total of XXXX down and this car and nothing but problems just at the point that I want get my money back and take my business elsewhere.

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 01-04-2018 about Debt collection (Private student loan debt) with LOAN TO LEARN (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX loan has been paid in full and need to be removed from my credit report. Debt is reporting negatively on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt to diversified was paid based on my agreement with them. They were supposed to forgive the XXXX and i paid them the XXXX the beginning of XXXX to process XXXX XXXX. The Supervisor i talked to said she was going to have them hold the account there since they had the payment in hand. XXXX sold me faulty phones and then all my identity info was hacked into in their system. I am trying to refinance my home and need this collection removed since it is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was reviewing my credit report and notice inquiries that are not mine and was not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (CA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: The Home Depot Consumer Credit Card from Citi Cards / Citi Group Inc. Has been horribly misleading. Customer service has hung up on me several times. 

This company put a balance of {$130.00} on my card without approval or my consent. I bought nothing in this amount. I did not authorize the charge. I agreed to nothing that would allow for this type of unfounded charge to my account. 

It all started when I went to pay off my balance in full at the store. The in-store employee told me the amount and I paid it. A week later, I realized the employee had given me an amount that was {$130.00} more than my actual balance. 

I had to learn this on my own and pursue the company. They agreed to pay me back. Then these idiots paid me back twice. When they finally realized what they had done, they decided to just put this balance back onto my card with a high interest rate without notifying me. 

Is this even legal? They should have to make a request, or notify me that they made a mistake. Instead they just attached it to my account. I keep a XXXX  balance, I have no reason to look at the monthly statements. And so for months I had no idea what they had done. I thought I had a XXXX balance! Now I 'm paying interest!?! 

This should be criminal. If anyone else has had this problem, please call me at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I 'd like to pursue a class action lawsuit.

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 03/31/2015 about Debt collection (I do not know) with I.C. System, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to!

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX, TransUnion and XXXX  credit reporting agencies are showing a balance of {$5000.00} with my prosper account. This prosper account has been paid off and the balance should be {$0.00}. I contacted both credit bureaus several times and they have not corrected this problem. Both credit bureaus are in violation of the federal fair accuracy act. I would like my prosper account balance to be corrected immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation