milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-07-2015 about Debt collection (Payday loan) with BlueChip Financial (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: On XXXX/XXXX/XX/XX/2015, at XXXX XXXX PST, I received a voice mail from XXXX XXXX with XXXX XXXX at my place of employment. The message stated the the call is regarding " case file, XXXX, concerning a bad payment passed through XXXX XXXX Bank, in an breach of contract, that looked to have been done maliciously ''. 

When I called XXXX back, I was not provided the mini-miranda. He told that the account was pre-legal and that their attorney would be looking to sue me in small claims court in XXXX XXXX because the balance was less than {$5000.00}. When asked, he advised me that they are located in New York. It would appear that there was no real intent to sue at the time I was told this. 

Additionally, the voice mail and collector uses term " case fie '' to describe my account number with them in an attempt to misrepresent the legal status of the account.

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
Consumer complaint received 03/30/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: on XXXX/XXXX/16 I filed a dispute with Equifax about the above case # s. XXXX XXXX and XXXX the results ended in that the accounts balance was verified. I sent Equifax a copy of the receipts that the collection accounts have been paid. This indicates that Equifax did not even verify the document that I sent was correct. Equifax , XXXX and XXXX is reporting incorrect information. XXXX XXXX and XXXX XXXX will not update their records.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (MO).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Third-Party Debt Collector contact and attempted to collect on a credit card debt that is well past the Statute of Limitations RSMo Statute 516.120 for collection of a debt within the State of Missouri.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/27/2016 about Consumer Loan (Installment loan) with PAYPAL HOLDINGS INC. (CT).
Issue: Problems when you are unable to pay

Complaint: Paypal Credit is requesting a high minimum payment well over XXXX, I do not have the exact amount available, however, I know its over XXXX. I understand the account is past due, however, this amount far exceeds my weekly paycheck. Ive attempted to request this amount lowered, however, calls are transfered over to collections and reps will not lower amount. This is highly unfortunate as it is in the best interest to cooperate if they wish to see any kind of payment ( s ) at all. Please advise them I can not pay such a high amount, it will have to be lowered. Contrary to what they claim, attempts were made via phone to lower payment amount, they state they have no record of any such calls. Not every single call is documented, this is no surprise, however, they like to claim otherwise. They are more interested in making payment arrangements than actually lowering amount, arrangements are just to get some payment made but do not offset any charges, fees, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2016 about Credit card () with CITIBANK, N.A. (GA).
Issue: Payoff process

Complaint: My closing agent mailed a check to payoff my CITI credit card on XXXX for {$2600.00} the check was cashed on XXXX by CITI, but as of today CITI still shows that my credit card have not been paid off. They are charging me late fees and reducing my credit line because of this issue.

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 02/21/2017 about Bank account or service (Other bank product/service) with BB&T CORPORATION (MD).
Issue: Account opening, closing, or management

Complaint: We have XXXX Business accounts with BB & T and for the most part all has gone well for about 13 years. Two days ago we were hit with what the Police called XXXX. It was a XXXX. My first call after the police was to BB & T. The fraud people were understanding as I was very shakey and upset. I authorized the closing of XXXX of the XXXX accounts but did NOT authorize the closing of the operating account as I had to get to XXXX ASAP to say good bye to my Father who is in XXXX. I already had planr, car and hotel reservations made and would need the debit card when I arrived in XXXX. The XXXX happened on Saturday night of a 3 day weekend and the banks were closed today being Monday. The fraud people were explained that I would have to go in person to the bank to get a new card and since the local branches did n't open until XXXX and I had to be at the airport by XXXX I was given the address and phone number of the branch closest to the XXXX airport. It was agreed that BB & T would keep the account open until I picked up the rental car in XXXX and gor to the Branch to pick up a temporary card. I thought all was well until this morning when I tried to get gas and discovered the account was locked. I have spent the entire day trying to get BB & T to unlock the account. This morning at XXXX I waas told by customer service that he would have to investigate before opening the account but that he would call me no later than XXXX. When he did n't call I tried to call again to discover that he had left for the day. around XXXX I reached someone named XXXX who said he was a supervisor in customer service and that it was his decision not to release the account and that he had notified the fraud department of his decision. He then disconnected the call. In a XXXX, I called the Fraud people back and explained that after multiple calls, always getting different people, being on hold until the call disconnected I was getting desperate. IN the meantime I found out that my Father was worse. I considered delaying the trip one day but without the card I ca n't change the reservations and now realized that if I did n't get there tomorrow afternoon I might not see him alive. The fraud people said their hands were tied. XXXX stayed over an hour after she was due to go home trying to get someone to release the account without succeeding. 
We are XXXX and this is a Business account. We do n't use credit and have no other cards. We have only the money in our pockets. I have no way to get to the branch in XXXX without a car. It is beyond belief that the bank has no one on call with the authority to handle this kind of emergency. I feel like first I was victimized by the XXXX but even worse now I am being victimized bt the bank I trusted. Whose side are they on?

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 10-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XXXX XXXX, 2016 I checked my credit on XXXX and had a total of XXXX hard inquires removed from my report. I checked my account again on XXXX XXXX, 2016 and all XXXX hard inquires were placed back onto my account without sending me a reinsertion letter as required by FCRA Section 611. I have called Transunion at least once a week since then to try to get this issue resolved and have received no help, no one will transfer me or connect me to an American representative or the fraud department, multiple agents have even been belligerent, some have even told me they know what happened but it 's basically too bad and that I should just file a complaint because they will not fix the issue.

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 08/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: I 've disputed this account before, and still have not seen proof that this account is mine per FCRA section 609. It 's just being verified verbally without supporting evidence that it 's mine. XXXX is the old complaint, I know for a fact that account is not mine, show me my signature that it is. Still waiting for a fair shake from these people. Maybe my next step after this should be the FTC, or the attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Checking or savings account (Other banking product or service) with PNC Bank N.A. (GA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I 'm trying to use this app that allows me to take out money and be deposited in my account. But it takes so long to update my transactions it takes like 2 days in order to receive it and get the money

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Consumer Loan (Vehicle loan) with HYUNDAI CAPITAL AMERICA (AZ).
Issue: Managing the loan or lease

Complaint: I started contacting Hyundai Motor Finance on XXXX XXXX, requesting payments applied to my principal balance. Each time I was informed it would take XXXX days to be processed. I called XXXX times in the past month requesting to have the XXXX payments adjusted as instructed by the HMF representatives. As of today XXXX XXXX, only XXXX payment has been applied to the principal & I keep getting promised that they will be escalated & corrected. I have refinanced my vehicle and have been charged excess interest due to the previous payments not being applied to the principal balance, in combination with HMF not being accessible for close to a week due to incliment weather & having to wait to receive the payoff information. I feel HMF has dragged out the completion of correcting my payments in hopes to continue charging more for interest. I would not refer HMF to anyone looking for good and trust-worthy customer service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-11-2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was trying to buy another house, all of a sudden a bill appears from a Common Wealth Financial Systems for {$75.00} in my credit report. I contacted them and they gave me XXXX different stories of where the bill came from. XXXX was from a physicians office and the other story is that I went in to XXXX hospital in XXXX XXXX. I live in XXXX, I have never been to a XXXX hospital or any medical providers there. I called XXXX of these places and neither of them have proof or record of me being there. Common Wealth Financial Systems told me that they bought this bill from XXXX XXXX XXXX, but that they can not give me XXXX information. I have tried looking for XXXX contact information online, but there are many of those companies, I have also read similar stories to mine and they have all been fraud collections from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Professional Debt Mediation, Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XX/XX/XXXX ( 5 yrs, 3 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes - reinvestigation in progress Consumer disputes this account information Original Creditor Name XXXX XXXX XXXX {$1200.00} I sent this letter to them they have not gotten back to me. XX/XX/XXXX PROFESSIONAL DEBT ME XXXX XXXX XXXX XXXX, FL XXXX Dear PROFESSIONAL DEBT Credit Reporting Personnel : I hereby ask that you substantiate your claims regarding all account data you conveyed to credit reporting agencies for me, XXXX XXXX, as concerns a suspicious account XXXX XXXX XXXX XXXX. Given the possibility that an error may be present within the account record, I must ask that PROFESSIONAL DEBT send all relevant data on your letterhead as soon as possible. I want more than only a simple account statement. Instead I must call for a careful documentation. If these reasonable demands can not be met during this reasonable period, summary data disseminated by PROFESSIONAL DEBT to the credit bureaus should not be deemed factual and may bespeak a nullification of my consumer rights. If this is the circumstance, kindly remove those credit report items immediately. I offer my sincere gratitude for your examining this circumstance. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX Dear XXXX XXXX Credit Reporting Personnel : I hereby ask that you substantiate your claims regarding all account data you conveyed to credit reporting agencies for me, XXXX XXXX, as concerns a suspicious account XXXX XXXX XXXX. Given the possibility that an error may be present within the account record, I must ask that XXXX XXXX send all relevant data on your letterhead as soon as possible. I want more than only a simple account statement. Instead I must call for a careful documentation. If these reasonable demands can not be met during this reasonable period, summary data disseminated by XXXX XXXX to the credit bureaus should not be deemed factual and may bespeak a nullification of my consumer rights. If this is the circumstance, kindly remove those credit report items immediately. I offer my sincere gratitude for your examining this circumstance. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (MN).
Issue: Loan modification,collection,foreclosure

Complaint: Case no. XXXX in the XXXX circuit court of appeals. This is the Tila rescission case XXXX vs XXXX XXXX, which the CFPB filed a previous amicus brief regarding statute of repose, and the three year limitation on filing rescission.As you already know, the scotus ruling on XXXX vs XXXX, did away with the falasy that a person was time barred from having not filed a law suit to enforce rescission within the three years. Attached to the XXXX case, was XXXX vs XXXX. We were reversed and remanded back to the appeals court, which remanded back to the district court, and Judge XXXX XXXX. After both parties moved for summary judgement on the issues, the ruling went like this. Summary judgement was granted to the XXXX party, because the judge believes we could not Rebutt the presumption of delivery of documents. He completely ignored the precedent sent in the eighth circuit in XXXX vs XXXX, and the ruling in XXXX, and XXXX.. He also ignored the plain language of scotus, in that rescission is " effected upon notice '', and allowed the bank the vary the statutory sequence of rescission, by not responding within 20 days. He also ignores the numerical violations in the disclosures themselves, that prove we had rescission. We are appealing his ruling of ignoring the 20 day requirement of the bank not taking action to rescind or seek judicial guidance. Ignoring this rule waves their tenable defenses. Judge XXXX treated us with hostility, at the same time was extremely polite and accommodating to the banks attorney. We feel there is a clear bias displayed here, and would like to get the CFPB 's assistance regarding the clear defiance in the eighth circuit toward Tila Rescission.While this case was playing out, the bank moved for foreclosure in the state court. We rescinded this loan in XX/XX/XXXX, and file suit in XX/XX/XXXX to enforce rescission. We have gone all the way to the Supreme Court to enforce our rights, only to be remanded back to a judge who refuses to accept rescission as a valid consumer defense.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Payday loan () with Experian Information Solutions Inc. (CA).
Issue: Received a loan I didn't apply for

Complaint: Yesterday, I checked my credit score with Experian and noticed a company, XXXX XXXX XXXX, had been added. I confirmed that it had been added to all XXXX reporting agencies. I am assuming this has to do with payday loans I have had in the past. I can confirm that every XXXX of those loans were paid back in full. 
My credit score has taken a tumble because of this and I need this company to remove their inquiry from my report as soon as possible.

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 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
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: In mid XXXX, I pulled my credit report from Equifax in light of all the recent breaches. On there I noticed 2 public records that do not belong to me. I disputed them and they came back to me on XX/XX/XXXX stating that they belong to me and it was verified through a 3rd party XXXX XXXX. I never gave XXXX XXXX authority to have my personal information neither did I give Equifax authority to give my information to someone else. I also researched the information they are reporting and find that the XXXX County Register does not report to the credit bureaus and furthermore does not have the information they are reporting in their records. 

Furthermore, starting XX/XX/XXXX, the three major credit reporting companies Equifax, XXXX and XXXX were impose with stricter rules on the public records they collect, requiring each citation to include the subjects name, address and either their Social Security number or date of birth.  which they do not! 

My name is a common name and with all their neglect and exposure of my credit file I am asking you to help me to get them to remove these two files from my report. 

Case # XXXX XXXX County Register of DeedsXX/XX/XXXX Case # XXXX XXXX County Register of Deeds XX/XX/XXXX These accounts are not listed on no XXXX or XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax has apparently mishandled my information in such a way that I am now listed as a potential victim for future fraud-related activity ( according to Equifax 's own self-help tool : https : //www.equifaxsecurity2017.com/potential-impact ).
Furthermore, I was n't even notified that I may have been affected ; I just happened to stumble across the news on social media and then used Equifax 's tool to verify my information had actually been compromised. Apparently they 've known about the security breach for months, so I find it kind of ridiculous that no effort was made to contact the potential victims - and for the record, that 's over 100 million people.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Debt collection (Payday loan) with Blueshore Recovery (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was told by Blue Shore Recovery that they were going to send my refund check of {$750.00} to me because they sold my account to someone else in the middle of me paying it. So i was told that it was sent on the XXXX XXXX 2016. So sent by mail it would have been here today which is XX/XX/XXXX. I still have n't received it yet. I was also told it was suppose to be expedited and that all of the sudden changed to it was sent regular mail.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Money transfer, virtual currency, or money service (Traveler's check or cashier's check) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Fraud or scam

Complaint: Bank of America is trying to use a 3 day float time on a cashiers check. The entire point of a cashiers or bank check is there is no float time. That is why they cost money as opposed to personal checks. They are doing this as a fraudulent practise to use your funds for money market accounts which they profit off of. They will say it is because it takes time to clear it. However to after it clears it goes into a money market account and not into my bank account. I tried talking to them after waiting on the phone for 40 minutes they tried acting like it is normal..

They also steal a XXXX out of every cash deposit over 200 dollars and occasionally charge you fees you should not get. All making you spend time to get it back. They always give it back when they are caught. But I should not have to catch them and spend hours on the phone trying to get my money back. 
It would be nice if the government actively policed 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 09-05-2016 about Consumer Loan (Vehicle lease) with UBER TECHNOLOGIES INC (MD).
Issue: Shopping for a loan or lease

Complaint: Did you know that Uber offers the option to lease cars to its drivers? Drivers who are often financially desperate and fiscally uninformed individuals and who are often new to this country. And the fees that Uber and its affiliate are charging to lease these vehicles are predatory. I mean the monthly equivalent of {$610.00} to lease a Toyota Corolla ( 156 payments at {$140.00} per week )? Seriously? This is absolutely predatory! And I 'm afraid that people are doing it because they fail to realize that they may qualify for much cheaper leasing options elsewhere and they do n't realize how much they are actually paying.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: bankruptcy still on credit report. Bankruptcy submitted XX/XX/2004

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/26/2016 about Debt collection (I do not know) with Stuart-Lippman and Associates, Inc (CT).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Stuart-Lippan claims I owe the XXXX XXXX company {$12000.00}. I have written and asked for proof that I owe this money. I did not receive and answer. When I asked XXXX XXXX of Stuart-Lippman for prof he told me they will prove it at court.

Company response to consumer: Closed with explanation