milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: We have a loan in which we are current on and making payments on with XXXX XXXX. We did get behind and the car was reposessed, during this it suffered over {$2000.00} worth of damage due to neglegence of the transport company. We got current on our payments, got the car back. Now, we are not only responsible for the {$5800.00} left on the loan, but the car is worth next to nothing due to the damage that XXXX will not take responsibility for, but they also are reporting that this account is charged off. They said that they can not change the report at any of the credit agencies, and we are current now. They marked us that the account is closed and was charged off. We have asked them numerous times to fix our vehichle and change our report and they will do neither. Even if we pay off the car now, it still will show as a charged off, closed account. I reported to the credit agencies and they said to contact your agency now, because they will not remove this information either. I need help, please help. I will email you my current statement if youd like and a photo of my credit report showing the charge off that still exists. I can also show damage that they did to the car.

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 05/28/2015 about Credit card () with U.S. BANCORP (FL).
Issue: Other

Complaint: I opened my Club Carlson ( US Bank CC ) in XXXX '14 since friends gave the service and travel perks such high regards. The most important benefit this CC offered was the " Bonus Award Night '' after paying the annual fee and was of such great value to my family and I that we shifted our hotel stays to align with this company. We used this benefit multiple times with no complaints and felt we always received good customer service at all the locations. When I signed up for this card and paid the annual fee I was certain I would be receiving all of the benefits of the personal card for the entire year. But I recently found out they were doing away with the " Bonus Award Night '' as of XXXX and am strongly reconsidering my hotel loyalty due to the abrupt nature of this change and the radical change within the entire awards system. I had been planning future trips around the hotels within the award system but am not so sure if I want to spend the funds knowing another drastic change may be around the corner.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/28/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I operate several XXXX in Florida and obtained XXXX building mortgages through Bank of America. My issue is that XXXX of the XXXX loans were paid off after about 5 years into the loan. I recently tried to pay off the third mortgage that I had approximately 9 years, but was told that if I paid it off I would be subject to a prepayment fee of almost XXXX! I am shocked and stunned that after 9 years i would be subjected to a prepayment fee. When i spoke to my premier banking advisor he said he was as well surprised but could not help me because it would interfere with his cost benefits. He referenced my loan as a " mako '' loan and has a life prepayment provision. I have been banking with BOA for over 20 years and he said that my prior advisor with BOA mislead me. I am asking for resolution as a loyal BOA client but have no recourse. I feel mislead and deceived by BOA and wish to have your intervention to assist in a favorable resolution.

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 03/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (CO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have always paid my bill online every month with a company using their websaite and they always show that they receive my payment. however, one time this bank sent me notice in 30 days that they never received the payment even when the website said they did. This caused a late pay to show up on my report. Their website clearly stated when i made the payment that it was made on time initially. I have tried to get the negative reporting removed with the company as well as thru the bureaus but have had no success.

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 06/13/2017 about Debt collection (I do not know) with ConServe (NV).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This involves the  XXXX   XXXX   XXXX    XXXX   (   XXXX   ). I enrolled to receive an estimate of the schooling cost and wanted to start college. I was enrolling for financial aid and got approved, but the money NEVER transferred to my account. It seemed no one at the school knew how to resolve my issue so I disenrolled from the school and the classes. Then the school called me and told me I owed money for classes I disenrolled from because the disenrollment date had passed before I dropped them. I refuted them for the charge because I should n't owe money for absolutely nothing. I was told I would get help to resolve the issue but no one ever called with further information.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Debt collection (Medical) with Feldman & Stern, LLC (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: A gentleman from this company called me in an extremely threatening manner saying he was filing a lawsuit on me tonight for a balance from a XXXX for {$190.00}. This debt is 5 years old and they had been sending me notices to an address I have not lived at for 5 years. I explained that I do not have that kind of money at the time, but would be willing to set up a payment plan. He said no, either you 're paying the balance or I 'm filing a judgement and you are paying court costs, too, in a VERY threatening and hateful tone. This man scared me, quite frankly!! I want something done about this, as I am in tears now!

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Contacted Transunion on XX/XX/18 @ XXXX and spoke with supervisor named XXXX and advised him that i have filed a FTC report and i gave him my affidavit report # XXXX and stated that i was a victim and i wanted to know if the inquires on my report would be removed. Also, explained to him that i was apart of the XXXX and Transunion security breach and i just wanted them to help me. Also, there is a 7 year fraud alert on my report for my security. He stated the he could not remove the information because the FTC affidavit does not show any dates, and that Transunion has their on in house policy if they will accept documents. I asked him what the policy was and he stated he could not share that information with me. I am so disappointed and seeking assistance with getting my issues with Transunion resolved. I have certified letters, and fax confirmations that i have sent them on numerous occasions and still no help.

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 11/18/2015 about Debt collection (Payday loan) with CASHCALL, INC. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Yesterday I received 3 calls from a debt collector ( XXXX XXXX XXXX ) stating that they were a law firm attempting to collect a debt. This is after a conversation I had the previous day ( different customer service agent/paralegal ) requesting an email with their original correspondence as I had recently moved. I did not receive this email. 

They called at XXXX XXXX, XXXX XXXX, and XXXX XXXX ( yes I have the EXACT time, and the calls came to my employer ). 
During the first call the man refused to give me his name and literally YELLED at me screaming, " YOU KNOW WHAT YOU NEED TO DO, YOU JUST NEED TO PAY IT. STOP TRYING TO BUY TIME!!!! '' All I asked for was a copy of the original correspondence in regards to the debt that was sent to me. I asked for them to email this letter so that I could review it ( I mean who makes legal decisions without seeing something in writing? ) and he yelled, " SO WHAT ARE YOU GON NA DO?? IF I SEND YOU THIS EMAIL I WILL GIVE YOU 30 MINUTES TO READ IT AND I WILL CALL YOU BACK. STOP TRING TO BUY TIME! YOU '' RE XXXX PAY THIS!!!! " Needless to say, I then hung up the phone. I was at my place of employment getting yelled at by a stranger that refused to provide the correct documentation in regards to the debt, and was yelling commands over the phone. They also threatened legal action and wage garnishment, and would not let me speak AT ALL. 

During the second call he called and said, " SO WHAT IS YOUR EMAIL?!? '' No hello, no can I speak so so-and-so or anything. I gave him the email and he began to yell again. " SO WHAT ARE YOU GON NA DO? YOU NEED TO PAY THIS NOW! YOU HAVE 30 MINS TO READ THE EMAIL AND I AM CALLING YOU BACK TO ASK YOU HOW YOU 'RE GON NA PAY!!! '' I kept saying ( in a very low and calm voice because I am at work ) to " Please stop calling my job. '' He kept speaking over me and would not allow me to ask questions, so yes, I hung up. 

The third call went ignored. Did I mention hat they left a message on my SUPERVISOR 'S voicemail???? This is where it must end. I do n't care if someone owes XXXX or $ XXXX, there is no reason to yell and harass them at their place of employment. This company has crossed the line. I sent a cease and desist letter via email, AND CERTIFIED MAIL and received yet 2 other phone calls this morning. 

So technically there are XXXX issues:1 ) Frequent or repeated calls2 ) Used abusive language3 ) Threatened to take legal action4 ) Called after written case of communication notice.

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 12/14/2017 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 information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Credit card () with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Billing disputes

Complaint: I 've had problems with HSBC MasterCard and after multiple calls to HSBC customer support and Customer Relations office HSBC refunded late feed on the account. HSBC promised to refund all late charges and on XXXX XXXX, 2016 HSBC customer service told me the M/C account balance was {$0.00}. On XXXX XXXX, 2016 HSBC sent me a bill forl {$37.00} in late charges on an outstanding balance of {$0.00}. HSBC failed to do as promised and refund all late charges on this Master Card account.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Debt collection (Medical) with DCS Financial, Inc. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Just received a letter from XXXX Service collecting for a local hospital. Debt is for a person with almost the same mane ( person that owes debt has different middle initial and living at a different address ). Also, some of the hospital visits are for a period when I was out of the country working for a company in XXXX XXXX. Just notified via mail. Individual is XXXX years younger than myself and has had trouble with the law in the past XXXX previous debt/restitution )

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 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: several attempts to have information removed and to no avail

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 11/27/2015 about Mortgage (FHA mortgage) with American Financial Resources, Inc. (MA).
Issue: Application, originator, mortgage broker

Complaint: American Financial Resources ( AFR ) denied my FHA XXXX loan application due to the fact they " suspected '' the property being purchased " might '' be used for commercial purposes. XXXX guidelines clearly allow me to purchase a " mixed use property '' as long as the renovation funds are only used for the residential buildout, which was clearly the case from the XXXX consultant 's report. We have now lost the property due to AFR 's ineptitude.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pressler & Pressler, LLP (NJ).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: XXXX filed a Notice for Wage EXECUTION, by PRESSLER & PRESSLER and I am currently on medical leave for XXXX XXXX. XXXX did wrongfully shared my information first to XXXX XXXX and sold my information to Pressler & Pressler, my employer received a wage exception notice to garnish my wages in the amount of {$210.00} weekly. This garnishment is also filed with the Superior Court of New Jersey and I am disputing this wage exception with XXXX. I would also like to report PRESSLER & PRESSLER for harassment and for filing this claim against me! I would like for this wage garnishment to be removed at once from the Superior Court of NJ, and a notice sent to my Employer!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I recently received a copy of my TransUnion credit report and saw some inquiries I did not authorize. Following advice from TransUnion, I wrote letters to each of the creditors on the account requesting they provide me with verifiable proof the inquiries were mine and are legal. It is my understanding that the Fair Credit Reporting Act, 15 U.S.C. 1681g gives me the right to review all documents in my account at the time of request that is being reported on my credit report. I also understand if they accounts can not be verified, they should be removed immediately from my report as required under Section 611 ( a ) ( 5 ) ( A ) ( i ) of the Fair Credit Reporting Act. Unfortunately, the letters to the creditors are unsuccessful, as have the multiple phone calls I have made to them. None of the creditors replied or provided me with verifiable proof of the inquiries as required by law. I have now asked TransUnion to remove the inquiries, but the TransUnion reps have been very rude to me during my attempts to resolve this matter, including yelling, hanging up, and failing to respond to my questions ( they merely repeat what was previously said ). The failure on their part to protect my credit report has me deeply concerned as to the other information they are not protecting. All I am asking is for them to contact the creditors that initiated the inquiries and have them removed if they can not provide verifiable proof. Since the creditors are not responding to me, I feel TransUnion should do their part in protecting my information and reach out to them. My husband and I are trying to purchase our first home, and the unverified inquiries on my TransUnion reports are affecting my creditworthiness. The following inquiries are unverified and I have provided the dates in question : XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX via XXXXXXXX XXXX XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX/XXXX/XXXX XXXXXXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXXXXXX/XXXXXXXX XXXX XXXX/XXXX/XXXX XXXX XXXX via XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXXXXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX CA XXXX/XXXX/XXXX Please contact TransUnion to get this matter resolved quickly. If you have any questions regarding this claim, please do not hesitate to contact me via email or USPS mail. I look forward to hearing from you with the matter resolved.

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 10/21/2015 about Mortgage (Home equity loan or line of credit) with FIFTH THIRD FINANCIAL CORPORATION (FL).
Issue: Application, originator, mortgage broker

Complaint: we purchased a home XX/XX/XXXX and was told by 5th3rd Bank officer, once we secured our loan, to let our other home go in to short sale. He said this wont hurt your credit because they are offering federal forgiveness, and it will be fine. Being this came from the bank, we felt pretty good about it and did just that. Now, XX/XX/XXXX we are trying to get a equity line from our current home and 5th3rd stated we do n't qualify because of our credit and due to the short sale. After going round and round with them, their final result was, we cant help you out right now, try back in a couple years. This short sale we were told was ok, has put a damper on our credit and score over the past couple years and it was all due to 5th3rd 's employee assuring us it is ok. My wife and I originally were going to lease the house out until we could sale it for cost. 
I would not recommend doing any banking with 5th3rd at all. everything they have told us has done more harm than anything, and we will be paying for it for several more years..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-02-2017 about Checking or savings account (Savings account) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I have a savings account with HSBC. I was credited for onl y 1  transaction for a fraud complaint that had more than one transaction. I stated to  HSBC  VERY CLEARLY that fraud occured on my account and I was transferred to the " ACH '' department because the rep insisted I do so because it was an ACH transaction. First, HSBC tries to tell me I didnt file within the 60 day time frame. FALSE. I filed this fraud complaint within the first week I saw the fraud. Secondly, I spoke to  XXXX   XXXX ,  manager  of the ACH department who tells me I need to goto the fraud department.  <P/> A little background on my conversation with  XXXX . First point of contact on     XXXX   XXXX   XXXX      . She proceeded to tell me that  HSBC  was in the wrong and that I would have my credit adjusted that day and she would call me back. No call back. I call on     XXXX   XXXX   XXXX        ( today )  and  XXXX  gives an excuse why she did n't call me after she told me should would no matter what yesterday. Now she tells me i need fraud department? Really? She stated because I said it was fraud from the get go. Then she tells me no, this is the UNAUTHORIZED department. what? unauthorized department? yes

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (GA).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: I am unable to Withdraw or Purchase bitcoin via my Coinable account, they currently have {$180.00} of my money and have failed to respond to any emails, phone calls or support requests I have sent after over a weeks time and submitted multiple copies of identification.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: They failed to verify the debt and did not provide the information that i requested from them, to verify that i actually owe what they say i owe. 

I clearly requested how the amount was calculated, a contract that i signed, copies of the billing statements from the original creditor, documentation that they own the alleged debt, or verification such as a contract between them and the original creditor that gives them authorization to collect the debt, a copy of there collection license and/or authority to collect in my state. 

All of the letters they sent me do not include any credible information and they are clearly ignoring my verification letters. They are sending me the same letter every time that does not state anything of value and is irrelevant to my letter. 

Copies of all letters sent and received are available upon request.

Company response to consumer: Closed with explanation