milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/26/2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (FL).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: Original complain still not resolved, have left messages for XXXX XXXX at TD BANK tel XXXX and he DOES NOT return my calls :. Complaint number : XXXX, Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX, Product : Checking or savings account Issue : Managing an account As explained on my original complain 15 days ago, I have not been able to access my account, it has been locked and was told I have to be at the bank to get it unlocked, I went to the TD Branch located at XXXX XXXX XXXX XXXX, I identified myself and explain the problem, the lady told me she needed to call their office, we were put on hold for more than 1/2 hour, I told her she already had my information to unlock the account and that I could not wait any longer since I had my ride waiting outside ( I am a XXXX person with no transportation ). She told me I had to be present for her to proceed. I filed the complain with your agency CFPB on the XXXX of XXXX, and last Friday I got a voicemail from the above gentleman, not to tell me the account was unlocked but that he needed me to return his call. I have been trying to reach this person and left him several voicemails and he has not returned my calls. Bottom line, the problem still persist and I have not been able to access the account on line, not by phone and can not even get my bank statements. I AM A XXXX PERSON AND I FEEL I AM BEEN DISCRIMINATED AGAINST BY THE INTERNAL POLICIES OF THIS BANK UNDER THE XXXX XXXX XXXX XXXX SINCE I CAN NOT GO TO THE BRANCH BY MYSELF TO RESOLVE THIS PROBLEM AND I HAVE NO METHOD OF TRANSPORTATION I received an email that your agency was informed that the problem had been solved, which is a lie. This morning I call your toll free number and was told that according to the record, the complain was closed and there was nothing else that CFPB could do, so I contacted my Senator to address the lack of enforcement action by CFPB Once again I need CFPB to continue tol address this existing issue with the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Debt collection (Non-federal student loan) with TRANSWORLD SYSTEMS INC (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: A lawsuit was filed several months after I had moved to another state from the state of California. Documents were mailed and served to my old address in XXXX. When I was made aware of the suit, I contacted the law office and was only able to speak with case associates who refused to acknowledge that I was not properly served. They have now gotten a judgement and filed for wage garnishment and I was not notified of either. Whenever I call the law office I am told different things and spoken to very harshly and without any respect. I was told they do n't have to do anything because I lived in California when the suit was filed and would not allow me to submit any proof and refused to do anything to rectify their error except make a settlement with me for a monthly payment that I could not afford. I also was threatened with if they remove the lawsuit from me then they would garnish my grandmothers assets because she is a co-signor.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I opened an account with XXXX XXXX in XX/XX/XXXX. I closed the account XX/XX/XXXX. I NEVER had a late payment and was assured of this when closing with confirmation and receipts. I was also assured that I would n't receive a penalty for closing because there was no contract. In XX/XX/XXXX, I began receiving bills saying I owed {$360.00}. I called to clear the matter and was told that my debit was incorrect and I was to be OWED {$230.00}. I have never received that amount and noticed FALSE REPORTING on my credit report. Every time I call customer service, I am told I am owed {$230.00} but the account is still " processing ''. I am told that a manager will call me back but I have never been contacted to clear up XXXX mistakes and false credit reporting.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I called Trans union and spoke to a supervisor named XXXX about a adverse account on my XX/XX/XXXX credit report, which they did a investigation on and sent me the results as deleted with a date of XXXX I am now told it was n't verified, but that is n't what the letter says. XXXX of the forms state unverifiable info must be removed. The guy gave me this website and then hung up. Please help me with this situation, thank you and XXXX BLESS, P.S. I 'm doing this from my cell phone and do n't know how to attach documents nor do I have a computer

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Based on the online tools available at ( https : //www.equifaxsecurity2017.comXXXX ), I 've been impacted by the recent Equifax security breach. As a relatively new user of credit, this has the potential to disrupt my attempt to establish good credit in a pretty bad way. I refused to waive my right to a class-action suit, and intend to follow through as thoroughly as possible with any legal recourse available to the 1/3 to 1/2 of the country that has been affected by this. 

I have placed a 90 day fraud alert on my account, and will likely have to do this far into the future, because a company that is supposed to be 'worthy ' of credit could n't keep their XXXX together.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (OR).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: On or about XX/XX/XXXX, I became aware of a civil lawsuit filed against me by the office of XXXX XXXX XXXX XXXX  on behalf of XXXX XXXX for an alleged credit card debt that I owed. On XX/XX/XXXX I made the decision to file Chapter XXXX bankruptcy. On XX/XX/XXXX, I retained the law offices of XXXX as my bankruptcy attorney. On XX/XX/XXXX, I called XXXX, XXXXXXXX XXXX XXXX office at XXXX PST and spoke with XXXX . I informed her that I was filing bankruptcy and had retained XXXX and that any further communications with me would need to go through my attorney. Today, XX/XX/XXXX I came home from being out to find that the XXXX County Sheriffs department had left a card on my door advising they are attempting to serve me for the above civil case. This is a blantant disregard of my rights under the FDCPA as once they were notified I have an attorney, all communications should be through my attorney.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-05-2017 about Debt collection (Medical debt) with Midwest Service Bureau, Inc. (KS).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: At XXXX on XX/XX/17 a number that I no longer own was contacted by Midwest Service Bureau . The representative asked for me, and the person that answered the phone said she was not with me.  The rep tried to gain a valid number, and the person that answered did not provide the requested information. The representative asked if she was my wife, and she said yes. This woman is my ex girlfriend, not my wife. The representative released what company she worked with, my first and last name, last known street address, the amount in collections, and that it was a collections account. There was no verification before releasing this information, only " Yes '' when asked if she was my wife. The rep proceeded to try to bleed money out of my ex, and she felt personally insulted with the things that were said. After reviewing the company 's XXXX  page, I am not the first person this has happened to. This situation is sickening.

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 10/31/2016 about Mortgage (Home equity loan or line of credit) with Shellpoint Partners, LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I just attempted to payoff my second mortgage with Shellpoint Mortgage Servicing. I went on line to get a payoff amount. The system had me enter a payoff date and gave me an amount but had a disclaimer " Please call for updated figures prior to remitting funds as they are subject to change without notice ''. I called and the agent could not verify the figure and I was told that I would get in a few days. When I asked if I could make a payoff online or on the phone, I was told the online limited me to {$20000.00} of additional principal and they also could not take it over the phone. I would need to mail a check or pay for a wire transfer. This seems to be a very deceptive practice to delay a customer from paying off a loan to increase interest income.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: Tried to sign up with TransUnion XXXX https : //XXXX 

Gave them all my personal information so I could get a credit lock - their web site just returns " we 're unable to complete your request, contact Support '' ; but, the Support page has no way to actually contact them OR cancel my account/remove my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2016 about Mortgage (Other mortgage) with Ditech Financial LLC (CT).
Issue: Loan servicing, payments, escrow account

Complaint: I would like any late payments reported to the credit bureaus removed immediately. After struggling since XXXX 2015 to get my {$5000.00} HAMP incentive credited and my payment amount corrected to what it should be I reject the possibility I was ever late. You have been over charging me for the past year plus so there is no way I could be late on something that was incorrectly being over charged. If I owe you XXXX apples and you are billing me monthly for XXXX how can it be due? In addition I want all late charges removed from this account unless you can explain how they have been charged. This loan has been sold 4 times and when I pressed XXXX in XXXX 2015 they then sold the loan rather than correct the issue. I have been harmed financially and emotionally and I want this corrected immediately. It 's not my fault that the mortgage companies that have managed this loan ca n't count.

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 09/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Please be advised that I.C. System, Inc. has violated the Fair Credit Reporting Act ( FCRA ) by reporting this fraudulent debt and amount to the credit bureaus. If this collection is n't removed immediately from all credit bureaus, I will be moving forward with a formal lawsuit against the company. I 've been in contact with an attorney and have all supporting documentation outlining their failure to adhere to consumer protection laws. If the company does n't remove this immediately and I am forced to proceed with a lawsuit, I 'll also explore the possibility of a class action lawsuit to help the countless other victims that have been damaged by I.C. System 's unlawful practices. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I had an invoice from a contractor whom I could not meet and who did not accept XXXX and XXXX. I made 2 payments spread over 2 weeks using XXXX XXXX. I was charged XXXX by XXXX for one payment and XXXX for another payment ( totaling around {$220.00} for an invoice for repairs. ) I got my credit card bill and found they charged me {$10.00} for each advance ( as a cash advance fee on top of the money charged by XXXX ) Had it been XXXX, that would not have been the case. 

None of this disclosed during the XXXX checkout process and XXXX XXXX refused to refund the 2 {$10.00} charges

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Debt collection (Mortgage debt) with SELECT PORTFOLIO SERVICING, INC. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I have b een discharged of my debt obligation to SPS Portfolio Servicing for ov er 2 years now. I have legally removed my name from the property deed and title, and mailed proof of such to the bank and conveniently one department does n't communicate with the other and claims such documentation does not exist ... and its public record. The only person on the deed and title is my ex wife, but she was NEVER AND NOT on the mortgage loan in any way what so ever nor is she financially obligated to the mortgage company at all. The bank obviously has a lien against the property until sold. SPS sends me monthly mortgage payment coupons and statements as if I were a current customer, with updates as to what 's owed, back taxes owed to them and how much to pay them, what the current escrow balance is and how much I need to pay to make it current, also sends me statements of what I owe them as far as home owners insurance they purchased in my name, and the balance they claim as I the " debtor '' owes them ... and it goes on and on ... HOW DOES THAT WORK ... WHY DOES THE BANK CALL ME THE " DEBTOR ''? When I was by law ... been released of the debt and the title of " DEBTOR '' I 'm being HARRASSED relentlessly, I WANT TO SUE and be compensated for every piece of correspondence they sent me, SENDING ME INTO  XXXX , AGRAVATION, sleepless nights wondering if or what they might try ... mess with my wages, my job, I do n't know how far they will go??!!! Once I lose my job, or wages ... it would be ages for me to recover, even if they were at fault in doing so to me ... They wont stop..I told them many times. The last statement they sent me shows them claiming a balance of almost a  XXXX  dollars, OMG ... from an original balance of {$460000.00}!!! TRY HAVING THAT ON YOUR MIND!! lastly, they claim the property was surrendered, THIS IS NOT TRUE, THE PROPERTY IS NOT MINE TO SURRENDER. THEY LIED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (IN).
Issue: Application, originator, mortgage broker

Complaint: Filed this with XXXX County, XXXX court of common Pleas Cival Division = My responseThe XXXX fka XXXX as trustee for the cerificateholders of the XXXX, XXXX, Asset-Backed Certificates, XXXX XXXX XXXX XXXX. Temp, XXXX XXXXThe XXXX XXXX = Plantiff vs XXXX XXXX XXXX Defendant. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX, XXXXXXXXXXXX XXXX XXXX XXXX generally deny the allegations in the complaint or have lack of knoweledge as to the accuracy. 
I may still cooperate with the agreed entry. 
The property in question is loacated at XXXX XXXX XXXX, XXXX, XXXX. XXXX property has been vacant since XXXX of XXXX. Was put up for sale by my XXXX XXXX XXXX XXXX XXXX XXXX @ XXXX. On or about the end of XXXX XXXX. In XXXX of XXXX we received a cash offer from a potential buyer / Investor for some XXXX. XXXX XXXX XXXX approved the short sale. They had comfirmation of cash payment, and a closing date assigned. Potential buyers aware of the sewer project and prepared to make the hook up. 
Title search cambe back as the original loan not being properly satisfied on the deed. Worked with XXXX XXXX XXXX to chase down re-finance company and title company. Morgage Company / Title company are out of business and title company deceased. This forced the buyer to back out. 
If we could locate someone from XXXX XXXX XXXX XXXX, nka XXXX XXXX , XXXX last known address of XXXX XXXX XXXX, XXXX, XXXX XXXX. We could poetetially fix the isue with the title / deed with not being properly recorded and showing as satisfied. 
Since the above, XXXX XXXX XXXX released the property and has taken over by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX. XXXX. XXXX ext. XXXX as a debt collector and aware of teh previous short sale agreement attempt. Since then the property has gone into foreclosure. Estimated sale date was indicated as XXXX of XXXX. 
I have had no access to the property. XXXX XXXX XXXX changed the locks and added a lock box, and also pad locked the garage door. The house has been winterized since XXXX of XXXX. 
Copies of my response filing have been sent to : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX, XXXX. XXXX person to XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX. XXXX. XXXX, XXXX. XXXX. 
Filed XX/XX/XXXXXXXX XXXXXXXXXXXXPlease help me resolve this issue. 
Thank you!

Company response to consumer: Closed
Consumer complaint received 07/30/2016 about Debt collection (Medical) with CAPITAL ONE FINANCIAL CORPORATION (SC).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Female called, verified my name and last XXXX SSN, sd this is about pending lawsuit from Capital One XXXX XXXX for XXXX procedure that I stopped paying in XXXX. Caller ID indicated she was in South Carolina, but I now believe it was SPOOFED ID. XXXX XXXX XXXX appears to be in XXXX, XXXX She advised if I did not make some arrangements today, Cap One would proceed with lawsuit. Asked if she knew the XXXX Statute of Limitations. She did n't even know what the term meant. Educated her it is THREE YEARS and that the SOL is expired. She stated they would go ahead and file and then XXXX. The use of CID SPOOFING is also illegal in attempt to collect a debt.The CID read : XXXX, XXXX XXXX. I initiated a trace, but XXXX XXXX can not release info to me.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: TransUnion is the only credit reporting agency reporting inaccurate information of the bureaus in this case. After disputing numerous accounts that are inaccurately being reported on my credit report, TransUnion failed to delete the inaccurate accounts and continue to refuse to provide me with acceptable proof of the documents used to unequivocally verify and determine the XXXX credit card accounts ownership. As of now, TransUnion is in violation of federal law as the 30 days allotted have passed and the referenced account has not be sufficiently been verified. Under Section 611 ( 5 ) ( A ) of the FCRA, TransUnion is required to " ... promptly delete all information that can not be verified '' that has been disputed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (MS).
Issue: Loan modification,collection,foreclosure

Complaint: Please see attached document entitled XXXX Complaint against JP Morgan Chase. Chase is attempting to sabotage my defense plans to protect my home from foreclosure sale.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Debt collection (Medical debt) with Millco Management (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a letter from a company called XXXX. They have many complaints on the BBB. They are saying I owe XXXX for taking my child to the emergency room. I did take her but cleared up that bill completely a month ago. I called the hospital to double check that everything was paid. This company is commiting a crime. I don't have a lot of money and I'm trying to build my credit so I am scared.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation