milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-10-2017 about Debt collection (Other debt) with Hunter Warfield, Inc. (NH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Creditor Name HUNTER WARFIELD INC Account No. XXXX Original Creditor XXXX XXXX XXXX Responsibility Individual Condition Derogatory Original Balance {$2100.00} Balance {$3100.00} Date Opened XXXX/XXXX/XXXX Date Reported XXXX/XXXX/XXXX Remarks Placed for collection They are trying to collect on a last month of rent for a place that was moved out to due BLACK MOLD, Broken garbage disposal and kept back flowing into the dishwasher/clean dishes so I was force to hand wash all dishes and the outside of my door was graphittied with a XXXX which was not taken care of.

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 06/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: The inquiries on my report were unauthorized.   XXXX   does not want to investigate in to the situation for you.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Dynamic Recovery Solutions, LLC (WA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have fines owed to XXXX county and they were turned over to Dynamic collections and now my wages are being dramatically garnished with no care that I am a single father with XXXX children. I received no notice and only recieved a document of who was garnishing my wages 3-5 days later

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/23/2017 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (MS).
Issue: Deposits and withdrawals

Complaint: I have an checking and savings account with USSA. My brother and I have a joint checking account, but separate car insurance policies. Ussa completed a ACH of {$170.00} from my checking account to pay my brothers car insurance without my permission. I spoke with Ussa customer service on XX/XX/2017 and they would not give me specific information about whom authorized with ACH of {$170.00} from my check account and where this {$170.00} was applied to. I pay my car insurance of {$58.00} each month from my checking account. I was on the phone with Ussa supervisor for more than an hour without getting detailed information about this transaction. I spoke with my brother and he stated that he did not authorize Ussa to completed any ACH transaction from my checking or savings account. Ussa stated that I could not sign a fraud letter due to my brother being on my checking account as the secondary on the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/13/2018 about Debt collection (Credit card debt) with Law Offices of Robert J. Colclough, III (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: Received a letter that a judgment had been entered against me. Threatened further legal action. And threatened to garnish wagers, bank levy and liens.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Bank account or service (Other bank product/service) with PNC Bank N.A. (OH).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, 2016 my wife and I attended a scheduled closing for the sale of our home in XXXX, Ohio to XXXX and XXXX XXXX. The loan was scheduled at noon to allow my wife and I to travel 2.5 hours from our new residence. Within 20 minutes of arriving, all the paperwork on our end ( sellers ) was completed and the buyers had completed theirs prior to our arrival. The title agency employee stated she had to contact PNC Bank to release the funds before the check could be given to us. She came back into the room numerous times, telling us that they were trying to get the funds released. Finally AFTER TWO ( 2 ) HOURS, funds were released and we received the check. She stated that she had another closing recently where the sellers were forced to wait three ( 3 ) hours before the funds were released. 
My complaint is that there is no reason for anyone to wait 2 or 3 hours for funds to be released when the loan is already approved and the bank scheduled the closing. My wife and I had plans with family before we left XXXX to return 2.5 hours to our home. These plans were forced to be cancelled because of the way PNC Bank does business when closing on the sale of a home.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Checking or savings account (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: I sent a rent check to my landlord on  XXXX   XXXX ,  2016  and in  XXXX  the landlord told me they never received the check ( #  XXXX  amount {$1300.00} ) so I immediately went t o HSBC (   XXXX   XXXX ,  XXXX , NY  XXXX  ) and got a copy of the check, the check was fraudulently endorsed and cashed. I then filled out an Affidavit to start the investigation to be reimbursed. I went back to  HSBC after  a couple weeks and was told the check ( #  XXXX   ) h ad been cashed at a   XXXX   XXXX    XXXX  and they were waiting to get the funds from them. I have called and returned to the bank several times and I am still waiting on this investigation. I have not been reimbursed!!

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICA'S CAR-MART, INC. (AR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Auto finance companies use the shot XXXX approach on my credit report Now I have several hard damaging inquires on my report cause me to be denied for anything I apply for

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
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: Filed a dispute with TransUnion about a late a payment on my credit. Se nt a Goodwill letter   the company was willing to remove the late payment of 30days. After th e dispute was complete TransUnion report false information report that I am between  30 and 59 days late which isnt true I have my statement so this dropped my score over   XXXX   points which isn t fair.

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 05-02-2017 about Credit card or prepaid card (General-purpose prepaid card) with U.S. BANCORP (CA).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: My wife received a XXXX debit card w/ {$150.00} as a gift during her XXXX XXXX XX/XX/XXXX. We never got around to using it until i opened the card XX/XX/XXXX. Upon opening the card and setting the card for activation, i learned that in addition to {$6.00} in dormancy fees, another {$130.00} in unauthorized debits were made to the card. I followed the dispute resolution instructions, received a new card, and now i receive no info as to the status of reinstating the embezzled funds. The phone number i am referred to for follow-up inquiries instructs one to leave messages for a call back. 4 times i have done so without response. Moreover, i have once waited 2 hours and 37 minutes for a live operator only for the call to be disconnected.

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 monetary relief
Consumer complaint received 02/24/2017 about Credit card () with U.S. BANCORP (IA).
Issue: Rewards

Complaint: I received a US Bank Business Edge Platinum card for each my wife and I with a {$200.00} US Bank rewards card for spending {$1000.00} during the first 90 days of opening the account. Upon doing so I called in twice and was told both times there was no {$200.00} reward attached to this card. I informed her during the call on XX/XX/XXXX to close the account if this was the case. 

I then filed a complaint with CFPB and was sent a letter stating there apologies for any confusion when I contacted them and that there was indeed a {$200.00} reward attached to each card if {$1000.00} was spent on each card, not a combination between cards. It stated my card was still open and eligible but my wife 's had been closed and because so is not eligible. 

I called in today to ask if it could be reactivated since it has {$760.00} towards the qualifying {$1000.00} already spent on it. I have until XX/XX/XXXX before the 90 days is up. If I was n't misinformed on the phone call on XX/XX/XXXX I never would have closed it. She said I would have to talk to a manager, which after being placed on hold said that none were available but that I would receive a call back from one. As of yet I have not.

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 07-05-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION ().
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: I had a checking account at Bank of America. On XX/XX/XXXX XXXX XXXX the bank issued a check with {$560.00}, that was my balance on my account. When I tried to collect the money, the bank returned the check back on XX/XX/XXXX with the stamp unpaid. The reason : refer to maker. I called check department from Bank of America and they told me that no check on my bank account was issued ever and my account is closed. This means that somebody in the Bank of America has falsified this check!
Please, help me to collect my money from the bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I became XXXX unable to work. After sick and family leave ran out, I still could not return to work and was terminated. I could see that there were going to be problems keeping my mortgage payments up to date, so I called my mortgage to attempt a loan modification at a lower interest rate, which would allow me to continue to afford the payments. A modification was refused by PNC bank. I then made contact with HUD about my problem to find out programs I might be eligible for. HUD made contact with PNC regarding a modification, but PNC refused again. HUD then referred me to a state program called the Florida 's Hardest Hit Fund XXXX FHHF XXXX, a program funded by the mortgage company and bank penalties from the banking crisis. paid to the state of Florida. The program is designed to aid homeowners who have fallen behind in mortgage payments, as a result of a loss of income, in order prevent foreclosure. Additionally, the FHHF would also negotiate with participating mortgage companies for a loan modification. I applied to them and was deemed eligible XX/XX/XXXX. To be eligible for the Florida 's Hardest Hit Program, my bank ( PNC XXXX had to agree to cooperate, receive monies from, and accept the process of the FHHF program. I was told by FHHF that my bank had agreed to participate in this program, as had every major bank in Florida. Although I was deemed eligible for the FHHF and any foreclosure attempts were supposed to be stopped in XX/XX/XXXX, PNC started foreclosure proceedings in XX/XX/XXXX. My advocate at FHHF was surprised by the foreclosure proceedings, but reassured me that there would not be a problem and that PNC knew I was in process with the FHHF program and that there might be a clerical error at PNC. FHHF kept asking me for more paperwork XXXX 's for the same paperwork and documents again and again, which I would provide. I was told by my advocate that that the Florida XXXX was in some way stalling the process. Finally in XX/XX/XXXX, FHHF released funds to PNC of {$18000.00} and since has been paying my monthly mortgage payments. The XXXX has been paying my mortgage since that time, which with the {$18000.00} is a total of {$42000.00}. I have paperwork from FFHF showing that PNC has received these funds, yet does not acknowledge receipt of these monies to me or credit these monies toward the balance owed on my account. Additionally, PNC still is not working with me on a loan modification. I was told that any foreclosure proceedings by PNC should have been stopped once they received money from FHHF. I am getting the run around from PNC. PNC refused to talk with my FHHF advocate or myself saying that the case was in litigation. I have had to hire XXXX attorneys, to fight to save my home from foreclosure. I now have no attorney, but am still being threatened with foreclosure.

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 EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: On XXXX XXXX, 2017 I noticed that my credir report dropped a significant amount. This was due to an error that XXXX XXXX made. They erroneously reported that I was using between 12 and 29 % of my credit for the month of XX/XX/XXXX. On XXXX XXXX, 2017 Supervisor at XXXX XXXX XXXX stated she would message the XXXX reporting agencies, Equifax, XXXX and XXXX of the mistake. The mistake has not been corrected and needs to be corrected immediately as it has an impact on my va loan that is currently being processed. I have attached 2 screen shots of my credit report. The correct one and the one that took a hit uneccessarily. Please fix this error ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2015 about Debt collection (I do not know) with Commonwealth Financial Systems, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I applied for a line of credit with XXXX XXXX, and this company posted an open collection. 

I NEVER received any notice of any debts, ever. At ANY address I 've ever used. 

This was also NOT my debt. 

They claim it to be from XX/XX/XXXX, but I have never incurred any debt, anywhere. So I researched this company with HORRIFYING results. They 've been harassing, falsely opening accounts, and using illegal tactics to get money since well before XX/XX/XXXX. And they 're still somehow allowed to continue operations with their multitude of consumer and legal issues being well known for years now. 

After finding them through XXXX, the real struggle began. Their Cudtomer Service is ALWAYS down and the voicemail for XXXX is ALWAYS full. Leaving no way to contact them. I had called them over and over to no avail. I had to dial in random extensions until a human finally answered. When I FINALLY got a human on the phone, I was told that I had to send ONLY them a written complaint by mail. 

THERE WAS NEVER ANY MENTION OR NOTICE SENT ANYWHERE OF A RIGHT TO DISPUTE, NOT ENOUGH INFORMATION ( EXACT DATE WAS NOT FURNISHED ), AND I 'M POSITIVE THIS IS NOT MY DEBT. 

I am certain that complaint would fall upon deaf ears and blind eyes. I prefer to report them to an agency that will actually investigate them and their decidedly unscrupulous business tactics.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2018 about Debt collection (Mortgage debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: Today XX/XX/XXXX, I received a letter from Bank of America stating that " my loan is in forclosure process ''. They are threatening to forclosure on the property again. 

I sent a letter via certified mail to their Attorney on XX/XX/XXXX and have not received a response yet. 

I have sent another letter to XXXX XXXX handling the case on XX/XX/XXXX and still have not received a response.

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 01-10-2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (CA).
Issue: Unexpected or other fees

Complaint: I traded bitcoin on Coinbase and did several transactions. However, since last month I was suddenly asked to provide SSN when I do any action like sell or withdraw. I do n't have SSN but Coinbase allows me to do trade in the beginning. For now, I still have XXXX $ in my USD account and I can not withdraw my money. I contacted Coinbase since last month but no one reply.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: Caliber Home Loans is attempting to foreclose on my home without following the proper procedure. After the initial complaints to the CFPB I continued to demand a single point of contact ( of which they supposedly said I was enrolled in ) without ever being given any contact information for a single point of contact. Caliber has made it impossible to attempt to talk to anyone about any type of loan mitigation process such as a loan modification. Beyond this we have not received a proper 20 day notice to cure, or a notice to accelerate the loan. We have also not received any proper 21 day notice to foreclose. As such Caliber is now pursuing an illegal and fraudulent wrongful forclosure. 

Additionally I specifically sent them a certified letter explaining not to call any phone number for me on file, as I preferred all correspondence via letter for legal documentation purposes. They received this letter XXXX XXXX, 2015. Not only have they violated the FDCPA by calling multiple times after that date, they have also called at hours that the FTC has barred. For example on XXXX XXXX, 2015 I received a phone call from Caliber at XXXX. The the next day XXXX XXXX, 2015 I received another morning call at XXXX. Both calls were well before the XXXX allowed time for businesses to call consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Bank account or service (Savings account) with BNY MELLON, NATIONAL ASSOCIATION (GA).
Issue: Account opening, closing, or management

Complaint: My company offers an HSA ( health savings account ) health insurance option with the HSA provided by XXXX and BNY Mellon. During the benefits enrollment period in XXXX 2015, my company *strongly* encouraged everyone to sign up for the HSA option over the tradtional PPO plans. I generally like the concept of HSAs and signed up for one, opting to contribute the maximum limit. Now XX/XX/XXXX, BNY Mellon has unilaterally decided to impose a $ XXXX/month fee on all balances below {$5000.00}. This was apparently a right reserved to them per the account terms to which we had to agree in order to opt-in to the HSA plan. As a consumer and employee, I never had the opportunity to fairly negotiate this as part of my benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Mortgage (Conventional home mortgage) with SN SERVICING CORPORATION (NJ).
Issue: Struggling to pay mortgage

Complaint: I HAVE APPLIED FOR A MODIFICATION TO SAVE MY HOME, I SENT IN A MODIFICATION PACKAGE AND WAS INFORMED BY MY ASSIGNED REPRESENTATIVE WHO IS AS  RUDE AS CAN B E  XXXX   XXXX  THAT DUE TO COMPANY GUIDELINES THEY DO NOT NEED TO INITIATE A MODIFICATION REVIEW BECAUSE I HAVE A SALE DATE WITHIN 37 DAYS. I ASKED IF THE FORMS I SENT IN WERE THE CORRECT FORMS AND SHE STATED NO WE HAVE COMPANY FORMS THAT WILL NEED TO BE COMPLETE, SO I ASKED HER IF SHE CAN SEND THEM AND SHE SAID NO I WILL NOT SEND THEM BECAUSE I DONT HAVE TO.     HOW IS THE SERVICER OF MY LOAN REFUSING TO SERVICE MY LOAN? THIS HAS TO BE ILLEGAL ON ALL ACCOUNTS.  XXXX  STATED THAT SINCE SHE HAS BEEN DOING THIS FOR YEARS SHE KNOWS WHAT SHE IS DOING AND DOES N'T HAVE TO SERVICE MY ACCOUNT BECAUSE I HAVE A SALE DATE. I THOUGHT THE SERVICER HAS TO CONTINUE SERVICING THE LOAN UNTIL THE HOUSE IS SOLD?

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 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I Have wrote this company a letter after looking at my credit report with fraud information they have failed to remove these fraud account or even investigate my dispute with proper documentation. I have sent them a notary from the federal trade commission. They failed to even investigate this manner

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 09/22/2016 about Bank account or service (Savings account) with POPULAR BANK (CA).
Issue: Account opening, closing, or management

Complaint: I recently opened an account at populardirect.com, a division of Banco Popular North America. After requesting twice they delete the external account I had linked for transfers and were unsuccessful, I decided to close my account. I 've requested the account be closed and all funds returned to me over a month ago. I 've contacted them approximately 5 times and each time there is some problem why they ca n't close the account. I 've been told conflicting things each time I contact them. For example, I was told they could ACH the funds to another account once the account closure is initiated. Yesterday, on XXXX/XXXX/16, the customer service rep. indicated that they could only release the funds via check after I sign a document which may take XXXX10 days to receive. They are unable to fax/email the document.

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 monetary relief