milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/22/2015 about Debt collection (Credit card) with Platinum Holdings Group, LLC (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: I have dealt with this company in the past when they were threatening to sue me for a debt that was taken care of. At that time they threatened to put a lien on my bank accounts. 

On this most recent call, from an " unknown '' number the lady that I spoke with told me she was collecting 'location information '' becuase they getting to file a XXXX with the IRS and Garnish my wages. This is for a previous debt that was cleared up in the past. When speaking with her she never informed me this was an attempt to collect on a debt. 

I told her the debt she was discussing was already settled and cleared up. She disagreed.I told her I would have to consult with my wife for clarification of the matter. This lady said I had until noon to tomorrow otherwise she was going to file against me to garnish my wages. 

As I spoke to her to get her follow-up information she told me her name was XXXX XXXX with Worldwide Asset and if she didnt hear back from me by noon tomorrow she would file a " XXXX to trigger garnishment ''. She said she is located in XXXX California, She offered to settle the debt with me if I paid tomorrow for 80 % on a XXXX full payment or she would accept XXXX payments at a higher value. 

I dont have her phone number in my file to contact them. 

I recall the last time I had to put up with their scam that they pulled a hard credit check/report on me and ti really hurt my credit score. My wife and I are presently in the process of buying a new home. The offer and preliminary contracts have already been filed. I can not afford for this group of scammers to do the same XXXX to me, or worse, as they have show in the past they will do.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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: CREDIT BUREAU HAVE NOT PROPERLY INVESTIGATED NOR REMOVED FRAUDULENT ACCOUNTS OF MY FILE WH EN IM A V ICTIM OF IDENTITY THEFT

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 04/29/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: I made a payment on my mortgage loan on XXXX XXXX, XXXX. It was for the XXXX XXXX, XXXX payment. Ditech apparently applied it all to principal. I received a call on XXXX XXXX, XXXX at home regarding my late payment. I explained my payment was not late. The gentleman that call me said he would look in to it and call me back. He never called back. My wife received a call on XXXX XXXX, XXXX at home regarding the same late payment. She explained to the woman at Ditech that the payment made on XXXX XXXX, XXXX was a regular payment and that it should not have all gone to principal. The woman at Ditech assured my wife it would be corrected. I called on XXXX XXXX, XXXX and spoke to someone in collections who then transferred me to customer service. The man in customer service assured it would be corrected and taken care of. I called again today XXXX XXXX, XXXX and it still is showing my payment is due for XXXX XXXX, XXXX. I am worried they are going to show me 30 days past due and mess up my credit rating. I called to try and speak to someone and got voice mail. I am very frustrated at this time.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2017 about Checking or savings account (Checking account) with STATE EMPLOYEES CREDIT UNION (NC).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: Ive received countless letters in the mail regarding my credit card. Besides the numerous phone calls that Ive been receiving. I have reached out to a third party company who was supposed to reach out to the credit union regarding a payment plan to pay down my credit card balance. I am unemployed 2 months out of the year and the credit union knows this! Yet I receive a letter in the mail shortly after the credit union responded to my complaint that I have 30 days from XX/XX/2017 to close my checking account due to non payment on my credit card. Which is in retaliation to my complaint to the consumer finance company. And XXXX XXXX did NOT respond to my any of my emails except for one email that I had sent to her specifically asking her for a reply. I have sent every piece of paperwork to SECU that they have asked for. I was told if I had submitted all paperwork that was needed then I would be given a small loan added to my car payment every month. Once I had sent all of the information to SECU. I was then told that I couldnt be helped. When I spoke with XXXX XXXX in person I brought a very successful business man along just for support and the way that I was spoken to and treated was unfairly. I will continue to send in complaints until I see that no one else is treated the way that I was treated Im very disgusted. Ps ... I have paperwork to back up everything that I am saying

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Mortgage (VA mortgage) with UNITED SERVICES AUTOMOBILE ASSOCIATION (IL).
Issue: Application, originator, mortgage broker

Complaint: My wife and I found a home we loved,, which was listed for {$410000.00}. I called USAA, and we were pre-approved to borrow XXXX percent of a purchase price up to {$410000.00} ( loan amount up to {$420000.00}. ) Based on that representation, we entered into a contract to purchase the home for {$410000.00}. 

About a week after we submitted our package of paperwork and ratified contract, a USAA representative contact us and informed us that the underwriters now required a down payment of approximately {$25000.00}. We agreed. 

A day after our contracted closing date ( scheduling and timely communication were issues throughout this process ) USAA contacted us and informed us that the underwriters now required a down payment of approximately {$50000.00}. Past schedule to move into a home we had already set our hearts on, we agreed. 

I do not recall receiving a Good Faith Estimate, but at closing, the numbers used by USAA on the HUD forms as a Good Faith Estimate were about 15 percent different than the final terms. Again pushed further down the road, we again agreed to modified terms. 

USAA later sent us a check for about {$500.00} to bring the difference between their estimate and the closing numbers closer together. The letter blamed the large difference on a " clerical error, '' but contained no substantive explanation. 

I understand some numbers my change as this type of transaction finalizes, but we were sold a loan with zero percent down, than accepted a loan with six percent down, and then were finally pushed into a loan with twelve percent down.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: It is over 45 days from my first dispute XXXX XXXX XXXX about the mistakes in my report ( XXXX, Transunion, XXXX XXXX : XXXX XXXX XXXX - XXXX : Unverified account XXXX - XXXX : Unverified account XXXX XXXX - XXXX : Unverified account However, I still not receive any physical verification of the original signed consumer contract - any and all accounts Credit Bureaus ( XXXX, Transunion, XXXX XXXX XXXX on a 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 01-11-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (PA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: Midland Credit Management PH : XXXX attached my bank account with no notice to me on a debt that is at least 7 years old. I had gotten no notice of a court date ( if any ) or that they were attaching my bank account!!! I only found out by trying to by fod at the store and my debit card would not work!

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In the middle of dispute with XXXX XXXX XXXX regarding unethical business practices with CFPB. They did not care to resolve-they disputed that the AUTHORIZED LOAN HOLDERS are not authorized parties so the CFPB closed my dispute. XXXX did not like the response in regards to nickle and diming fees from customers so they responded to myself and my husband ( who are both signers on the loan they provided us ) are now unauthorized 3rd party. We are unauthorized, but they take our payments monthly. Do not trust XXXX XXXX XXXX. Will not happen I am sure, but want it known that this company does not practice business ethically. I have offered to take half the responsibility for not checking that their payments that I am making are coming out of the right account, because I used to trust XXXX would have told me by mail or better yet maybe on one of the multiple occassion 's that I have spoken to a representative at their company since. No one told me that my old account number was still saved and that they can not update my new bank information for me. The over seas customer service reps are not trained adequately, so they took my payment, but never told me of returned payments that I made because my bank account was never changed, nor updated on my profile. That is why I called them, I will take half the responsibility for trusting XXXX would have done the right thing and let me know, but I should have know they are a corporation and would keep charging me fees instead of doing the right thing and letting me us know. This has been going on since XX/2016! No one told me that when I gave them the new bank info that it would not save. I expressed the fact that I could not login and had to change my bank info, yet none of the overseas reps could understand that and just took my payment without stating that they could not save this info. I honestly do not care any longer if they remove the negative mark or not. Just want other consumers to know how XXXX runs their business.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: Bank of America froze my account in sometime in XX/XX/XXXX because it alleged that certain funds I received in my account did not belong to me. BOA told me over the phone it was investigating my account and never sent me any correspondence. I had received a {$10000.00} cash deposit from a family member to help purchase a car. After months of waiting for the resolution, BOA later closed my account which had an estimated balance between my checking and savings account of about $ XXXX and now said it was due to $ XXXX check paid into my account. I told them that no XXXX check was paid into my account that they should send me a copy of the check. BOA reported me to check systems and their action prevented me from being able to open other accounts with other banks. 
In XX/XX/XXXX, I called back again and demanded to speak to a supervisor and again explained my situation and asking what happened to my balance/refund, BOA now sent me a check of {$3400.00}. I told them this is less than my actual balance and told them to send me my bank statement as at the time the account was closed, BOA sent me blank statements and nothing showing any figures. 
I want the CFPB to please open an investigation into this case, was there a check really paid into my account, and if not help me get my money back from this bank, I want nothing to do with them in future. 
BOA is notorious for closing accounts even when it lacked the proof that a transaction is fraud. They tell you they have a right to close your account for any reason but if they can not prove any wrong doing which their was none in this time, they must issue a full refund.

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 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The credit bureau is refusing to delete a collection account from my credit report that can not be validated. The debt is with a company called XXXX XXXX for {$8700.00} and the account number is # XXXX. For the past couple of months, I have been trying to get this company to explain and validate the amount of money they say I owe them. The last time I sent them a written request, it took them over 45 days to respond back to me and even then, they were not able to verify the amount of money they are reporting to my credit. I am filing this complaint because this account is inaccurately being reported to my credit and the credit bureau is not processing my dispute properly.

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 12/31/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: Majority that appears on my credit report are from hospitals, doctors, and XXXX fees. I did n't want to go but was forced by the ambulance paramedics and the police due to my illness. I know I could n't afford to go by ambulance nor can I afford to go to the hospital due to no insurance and I did not have a job as well ... ... .. 
The other XXXX collections are phone related ( XXXX & XXXX ). I kept telling the phone company that I do not owe them anything cause my wallet was stolen or miss placed. My identity was stolen as well

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2016 about Credit reporting () with LEXISNEXIS (NM).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: This is the second time I file a complaint against Lexis Nexis Risk & Information Analytics Group Inc. 
I received an adverse action notice from XXXX regarding a recent credit check. They provide the name of the credit reporting agency, Lexis Nexis Risk & Information Analytics Group Inc., as the agency that can provide me with my free credit report. They state that I have 60 days to obtain the report from the date provided on notice, XXXX XXXX, 2016. 
Upon contacting LexisNexis Risk & Information Analytics Group Inc., I was asked to have my social security number, date of birth, zip code, address number, and phone number ready. I provided my social security number to the automated system and the automated system stated that the social security number provided was not able to be verified. I called the number provided, ( XXXX ) XXXX, a second time and received the same message. 
The contact information provided for LexisNexis Risk & Information Analytics Group Inc. is the following : LexisNexis Risk & Information Analytics Group Inc. 
XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX I have attached my driver 's license with both my maiden name and married name. 
I have included my social security cards, XXXX with my maiden name and the other with my married name. 
I also included a copy of my most recent utility bill with my maiden name and current address. 
I included a copy of my banking statement with my current address. 
Finally, I attached a copy of the adverse action notice received.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Payday loan () with CURO Intermediate Holdings (TX).
Issue: Received a loan I didn't apply for

Complaint: I was looking at my credit repot and I have never applied for a loan with this entity. I believe my ex-spouse whom I have been divorced from since 2006 has been using my ss # to apply for various loans, including this one.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Credit reporting () with Experian Information Solutions Inc. (MO).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used t verify the account I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible. Thank you.

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 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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: A derogatory remark and reporting on my credit report from an alleged debt from XX/XX/XXXX. I have requested validation of debt and collection agency has not responded to me. I also submitted a dispute with credit bureau 's and they have not fixed the issue all they did for me, they added a remark on my account that reads " Account information disputed by consumer, meets FCRA requirements '' How could this meet the FCRA requirements when I have never received any notification from any agency regarding this alleged debt. I been residing at my current location since XX/XX/XXXX and never received any letter from 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 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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: On XX/XX/XXXX I submitted a complaint here bc I had been working to have XXXX, XXXX and TransUnion correct a few errors on my credit report for over a year. None of the bureaus sent the requested proof from the investigation that they claimed to have done. The accounts was removed from my account on XX/XX/XXXX. However, this same account ( XXXX XXXX XXXX ) has reappeared on my credit report as of XX/XX/XXXX. XXXX has this account reported twice on my credit : one in the amount of {$210.00} and another one that shows {$130.00}. TransUnion and XXXX  have this account in the amount of {$130.00} as a collections account. 

As stated in my initial complaint on XX/XX/2017, I do NOT owe any collections to XXXX XXXX XXXX. I am still an XXXX XXXX XXXX customer and have been for over 11 years. 

I have contacted all three bureaus asking for the same proof of these collections accounts and I've yet to receive it. These bureaus are allowing bogus collection companies to put erroneous information back onto my credit profile AFTER it's been established that it is not a valid debt that I owe.

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 08-09-2017 about Checking or savings account (Checking account) with TCF NATIONAL BANK (CO).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: My debit card information was taken and used in several locations. I first identified the first 2 transaction as they were $ XXXX/each at 2 local gas stations. I immediately called the bank and they requested I file a dispute. They cancelled my card and told me I would have to go to a branch to get a new card.
When I got to the bank, they identified new charges and a 2nd dispute was opened at that time. They confiscated the card. The bank the first dispute, however declined the second dispute because they indicated that those smaller charges, would have been done with the actual card. TCF did not complete any research and closed the dispute. I filed a report with XXXX Police department, " XXXX '' and have been reaching out to the fraud police officer.
My complaint is that 1. ) TCF should have put a stop on the account with the 2 sets of identical charges, as this is policy for most other banks. 2. ) They arbitrarily closed the account before completing any research, even though I have been a customer for 10+ years. 3. ) The retailers all have videos and are happy to supply them to TCF Bank or the police department, however they only keep them for 30 days. We are 2 weeks into this dispute, and they have not requested them. 4. ) They have not provided me with copies of the signatures used on these transactions. 5. ) They are not contacting me with information or details on what they are doing to resolve/investigate the dispute. 6. ) I had to use a loan to put funds into the back for the negative balance that this situation has caused, because my mortgage was not getting paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NV).
Issue: Managing the loan or lease

Complaint: i took out a simple interest auto loan at 25 % ish. i have paid over {$20000.00} in interest and less than {$3000.00} in principle since XX/XX/2010. 

i was hit hard by the economy, and did get behind. I had a couple deferments. When Icalled to ask what my pay off was just to get an idea I was floored that I still owe today what I financed XX/XX/2010. This feels criminal, and the DOJ file suit and sought damanges against Santander for their practices with Military Members. There has to be something I can do. I have my payment history. If upon your review you say it is legit then I will accept that.

Company response to consumer: Closed with explanation